COMP <GO>

HBT vs OSBC // RSI-14 & 200D SMA MOMENTUM

HBT Financial Inc. (NASDAQ) VS. Old Second Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: HBT 5 — OSBC 2

▲ RSI-14 & 200D SMA MOMENTUM LEADER: HBT

LAST: $36.80 (+1.10%) • MKT CAP: $1.34B

rsi-technicals

55.1

LAST: $24.63 (+0.90%) • MKT CAP: $1.25B

rsi-technicals

41.5

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HBT VS. OSBC) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	HBT	OSBC	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	12.50%	9.00%	+3.50	HBT	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	6.36%	9.40%	-3.04	OSBC	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	1.99%	0.98%	+1.01	HBT	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	4/9	+1.00	HBT	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum ACTIVE	55.1	41.5	+13.55	HBT	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	16.2x	14.5x	+1.70	OSBC	/forward-pe <GO>
Enterprise Scale & Market Cap	$1.34B	$1.25B	$85.2M	HBT	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	HBT REV	OSBC REV	HBT GROSS %	OSBC GROSS %	HBT FCF	OSBC FCF
FY 2025	$0	$0	—	—	$85.1M	$117.8M
FY 2024	$0	$0	—	—	$89.4M	$120.7M
FY 2023	$0	$0	—	—	$65.8M	$116.4M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

HBT // BETA —

OSBC // BETA —