COMP <GO>

MCB vs OSBC // FREE CASH FLOW YIELD

Metropolitan Bank Holding Corp. (NYSE) VS. Old Second Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: MCB 3 — OSBC 4

▲ FREE CASH FLOW YIELD LEADER: OSBC

LAST: $96.43 (-0.20%) • MKT CAP: $1.20B

fcf-yield

7.42%

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

fcf-yield

9.40%

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

INSTITUTIONAL METRIC	MCB	OSBC	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	9.60%	9.00%	+0.60	MCB	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield ACTIVE	7.42%	9.40%	-1.98	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	0.26%	0.98%	-0.72	OSBC	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	4/9	+1.00	MCB	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	64.8	41.5	+23.34	MCB	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	15.6x	14.5x	+1.10	OSBC	/forward-pe <GO>
Enterprise Scale & Market Cap	$1.20B	$1.25B	-$57.6M	OSBC	/market-cap <GO>

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

FISCAL YEAR	MCB REV	OSBC REV	MCB GROSS %	OSBC GROSS %	MCB FCF	OSBC FCF
FY 2025	$0	$0	—	—	$88.7M	$117.8M
FY 2024	$0	$0	—	—	$148.5M	$120.7M
FY 2023	$0	$0	—	—	$42.4M	$116.4M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

MCB // BETA —

OSBC // BETA —