Stock Ratings / Financials / OSBC / options

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Old Second Bancorp Inc. (OSBC) Options Positioning, Max Pain & Unusual Sweeps

$24.63 +0.90% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Old Second Bancorp Inc. (OSBC) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $1.25B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OSBC)Realized 20D OHLCV Swing Band: ±4.6%

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.6%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (OSBC)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for OSBC.

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Whale Flow & Momentum Playbook: Evaluating OSBC & AI Leaders Without Chasing Tops

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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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OSBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.51%▼ DESCENDING CHANNEL

2026-10-30O $24.59H $24.84L $24.19C $24.63VOL 522.0K

RES: $25.38SUP: $23.55SMA50: $24.97SMA200: $22.50

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OSBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OSBC Butterfly Map → + Track OSBC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on OSBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OSBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for OSBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OSBC)

Financials Rank #250 of 1096 ⚔️ CTBI vs OSBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (OSBC vs. CTBI, MCB, HBT, AMTB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Old Second Bancorp Inc. (OSBC) ranks #250 by composite RQD confidence (67/100, grade C+) and #517 by equity capitalization ($1.25B). Within this direct 5-issuer industry benchmark cohort, CTBI leads on earnings valuation at 13.0x trailing P/E, while HBT leads on capital efficiency and profitability with 12.5% ROIC and — gross margin. CTBI currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with OSBC at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
OSBC ACTIVE Old Second Bancorp Inc.	C+	67/100	15.6x	—	9.0%	+0.90%	$1.25B	Benchmark Subject
CTBI Community Trust Bancorp Inc.	B-	70/100	13.0x	—	11.5%	+0.97%	$1.27B	/ctbi-vs-osbc →
MCB Metropolitan Bank Holding Corp.	C+	66/100	16.8x	—	9.6%	-0.20%	$1.20B	/mcb-vs-osbc →
HBT HBT Financial Inc.	B-	70/100	17.4x	—	12.5%	+1.10%	$1.34B	/hbt-vs-osbc →
AMTB Amerant Bancorp Inc. (Class A)	D+	58/100	22.4x	—	5.6%	+0.84%	$1.17B	/amtb-vs-osbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000357173

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Old Second Bancorp Inc. (OSBC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $80.3M, operating cash flow of $122.3M, and free cash flow of $117.8M (-2.5% YoY). On the balance sheet, OSBC closed FY2025 with $6.90B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$80.3M	$122.3M	$117.8M	$6.90B	—
FY2024 (FY)	2024-12-31	$0	$85.3M	$131.5M	$120.7M	$5.65B	—
FY2023 (FY)	2023-12-31	$0	$91.7M	$116.4M	$116.4M	—	—

3. OSBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OSBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Old Second Bancorp Inc. (NASDAQ: OSBC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $24.63 (+0.90% 1D, market cap $1.25B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, OSBC ranks #250 in composite RQD confidence.

How does OSBC compare to CTBI and MCB in the Financials sector?

Within the Financials sector (Major Banks), OSBC carries a Roarable C+ (67/100 RQD), trailing P/E of 15.6x, gross margin of —, and ROIC of 9.0%. By comparison, CTBI (Community Trust Bancorp Inc.) holds a B- grade (70/100 RQD, P/E 13.0x, ROIC 11.5%, cap $1.27B) and MCB (Metropolitan Bank Holding Corp.) posts a C+ grade (66/100 RQD, P/E 16.8x, ROIC 9.6%, cap $1.20B). Among the 5-stock peer group, CTBI leads on earnings multiple (13.0x) while HBT leads on capital efficiency (12.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OSBC?

Per OSBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000357173), Old Second Bancorp Inc. generated $0 in revenue, $80.3M in net income, and $117.8M in free cash flow against $6.90B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OSBC trading relative to its 50-day, 200-day, and 52-week technical levels?

OSBC last traded at $24.63 (+0.90% on volume of 502,379 shares), positioning the stock -1.36% below its 50-day simple moving average ($24.97) and +9.47% above its 200-day simple moving average ($22.50). Across its 52-week range of $17.61 to $26.06, OSBC sits at the 83.1% percentile with a 14-day RSI of 41.5 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($23.50 to $25.76).

OSBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is OSBC's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for OSBC.

Direct Sub-Reports: OSBC RQD Cockpit OSBC 12M Forecast OSBC Earnings & Move OSBC Dividends & DRIP OSBC Insiders & 13F OSBC Whale Options OSBC Profit Sankey OSBC News & Why