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OSBC

Old Second BancorpB
Nasdaq / Banks
Last Price
At close
2026-08-01
View Chart
Current thesis
The company-source release confirms strong Q2 NIM, improved efficiency, higher fee income, declining problem assets, and continued capital returns. The operating result supports a modest re-rating if credit losses normalize.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -4.7.
What can break
Analyst coverage remains limited and reviewed post-print sources did not show a clear individual rating or estimate revision.
Momentum
67
Value
58
Sentiment
50
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $25.50 · Bull $27.50 · Bear $21.00
Data freshness
Prices
As of 2026-08-01
Fundamentals
As of 2026-07-31 • Vendor: Data Vendor v1
Scores
As of 2026-08-01 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-08-01
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $27.50
Why
Momentum67 · Δ7d +15.6
Value58 · Δ7d +5.8
Sentiment50 · Δ7d -4.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Sentiment · See AI snapshot
Momentum
67
10% active weight
Current posture
7d trendImproving
Δ7d
+15.6
Δ21d
+16.7
Value
58
40% active weight
Current posture
7d trendImproving
Δ7d
+5.8
Δ21d
+4.6
Sentiment
50
49% active weight
Current posture
7d trendSoftening
Δ7d
-4.7
Δ21d
-
Why this grade

Composite grade B. Momentum 66.6 / Value 58.3 / Sentiment 50.0

Fundamentals (TTM)
As of 2026-07-31
Market Cap
$1.3B
Beta
0.81
Shares Out
51.43M
P/E (TTM)
13.2
P/S (TTM)
3.32
P/FCF (TTM)
12.40
Rev YoY
+32.2%
EPS YoY
+10.7%
Gross Margin
-
Op Margin
+29.6%
Net Debt
$287.26M
Current Ratio
0.04
As of 2026-08-01 • Updated nightlySource: Internal modelMethodology