Credit and interest ratesmixed · 4 filings
“Subordinated and junior subordinated debt interest expense were essentially flat over each of the periods presented.”10-Q · May 7, 2026 ↗
Old Second Bancorp, Inc.
OSBC
Market read
Old Second Bancorp, Inc.'s current read is isolated; its market group is not confirming.
No new filing conclusion is available. 0 of 22 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
Company+1.0% todayVolume comparison unavailable
Market group0 of 22 activeRegional Banks · unavailable
Disclosed network0 of 1 confirmingNo filing-linked name is confirming now
What would change this read
Watch this read- OSBC's market-adjusted activity becomes unusual and at least one connected name confirms.
Invalidation: The isolated read changes if OSBC's group or a disclosed connection begins moving with it.
Research brief
The story so far
No new filing conclusion is available. 0 of 22 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
Evidence that supports
No thresholded supportive filing evidence is available yet.
Evidence that challenges
No thresholded adverse filing evidence is available yet.
What would clarify the read
- OSBC's market-adjusted activity becomes unusual and at least one connected name confirms.
Company research
Understand the business, not just the ticker
Business model and earnings drivers
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
Key research questions
- Which operating variable is changing?
- Is that change durable, cyclical or one-off?
- What evidence would disprove the current interpretation?
Annual periods0
Price observations319
Usable filing statements176
Verified relationships1
Evidence supporting the case
No qualifying supportive evidence was identified.
Evidence challenging the case
- Credit and interest rates has repeated adverse evidence across 4 filings.
Questions before a position
No credible peer-relative valuation comparison is available yet.
Longer-term price context
Price as of Sep 10, 2026
25.536m+30.1%12m+37.5%24m—
What management says matters
Persistent and emerging business drivers
Industry cycle and competitionnegative · 2 filings
“The increase in the current period, compared to the prior year like period, is primarily due to lower interest expense related to the lower average balances and interest on other short-term borrowings and increased yields on loans and securities.”10-Q · Nov 6, 2025 ↗
Restructuring and cost reductionspositive · 2 filings
“The increase was primarily due to: ● A $26.6 million, or 27.2%, increase in salaries and employee benefits primarily due to $8.4 million of change in control, retention, and severance payouts as a result of the acquisition of Bancorp Financial.”10-K · Feb 26, 2026 ↗
Supply chain and availabilitynegative · 1 filings
“Also contributing to the reduction in noninterest income during the quarter were decreases in residential mortgage banking revenue on faster prepayment speeds, and the cash surrender value of BOLI as a result of a decrease in the market value of our Company O…”10-Q · Aug 7, 2025 ↗
Valuation discipline
Descriptive valuation snapshot
Price/sales — · EV/sales —. Comparisons use only industry-matched filing peers.
Scenario scaffold
Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.
Price action
How the market is pricing the story
25.53+1.0% today
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 10 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
No sourced recent-development timeline yet
Jodie has not returned a relevant primary source or news item for OSBC. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Reported financial figures are not available yet
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Filing analysis
No comparable filing assessment is available yet
Jodie has not yet found a suitable current-versus-prior filing comparison for OSBC. This does not mean the latest filing was neutral or immaterial.
Business ecosystem
The relationships behind OSBC
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Depends on
NBHCNational Bank Holdings CorporationcustomerMay 7, 2026 ▾
“Immediately following the merger, Evergreen Bank Group (“Evergreen”), an Illinois-chartered banking corporation and wholly-owned subsidiary of Bancorp Financial, merged with and into Old Second National Bank, with the Bank continuing as the surviving bank.”
Filing peers
Companies whose filings use similar operating language.
Open the three relationships above to see Jodie’s filing proof. Pro unlocks 5 more links, every receipt, and alerts when connected names begin moving. Unlock the full network →
What is moving around it
Live connections
OSBC is currently a Early Follower in the organic co-movement group Regional Banks. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 1 filing-linked name are in the relationship map; none is currently confirmed as moving with the group.
This group is retained as the last observed read for OSBC; it is not active in the latest market snapshot.
Context history
Theme membership history
No durable theme membership has been observed for this name yet.