MSBI
Price
$23.94
Change
+$0.26 (+1.10%)
Updated
Feb 4, 03:00 PM (EDT)
Capitalization
501.2M
78 days until earnings call
Intraday BUY SELL Signals
OSBC
Price
$20.82
Change
+$0.30 (+1.46%)
Updated
Feb 4, 03:05 PM (EDT)
Capitalization
1.08B
77 days until earnings call
Intraday BUY SELL Signals
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MSBI vs OSBC

Header iconMSBI vs OSBC Comparison
Open Charts MSBI vs OSBCBanner chart's image
Midland States Ban
Price$23.94
Change+$0.26 (+1.10%)
Volume$100
Capitalization501.2M
Old Second Ban
Price$20.82
Change+$0.30 (+1.46%)
Volume$300
Capitalization1.08B
MSBI vs OSBC Comparison Chart in %
MSBI
Daily Signal:
Gain/Loss:
OSBC
Daily Signal:
Gain/Loss:
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MSBI vs. OSBC commentary
Feb 04, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is MSBI is a Hold and OSBC is a Buy.

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COMPARISON
Comparison
Feb 04, 2026
Stock price -- (MSBI: $23.68 vs. OSBC: $20.52)
Brand notoriety: MSBI and OSBC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: MSBI: 115% vs. OSBC: 113%
Market capitalization -- MSBI: $501.2M vs. OSBC: $1.08B
MSBI [@Regional Banks] is valued at $501.2M. OSBC’s [@Regional Banks] market capitalization is $1.08B. The market cap for tickers in the [@Regional Banks] industry ranges from $161.17B to $0. The average market capitalization across the [@Regional Banks] industry is $9.28B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

MSBI’s FA Score shows that 1 FA rating(s) are green whileOSBC’s FA Score has 3 green FA rating(s).

  • MSBI’s FA Score: 1 green, 4 red.
  • OSBC’s FA Score: 3 green, 2 red.
According to our system of comparison, OSBC is a better buy in the long-term than MSBI.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

MSBI’s TA Score shows that 3 TA indicator(s) are bullish while OSBC’s TA Score has 5 bullish TA indicator(s).

  • MSBI’s TA Score: 3 bullish, 5 bearish.
  • OSBC’s TA Score: 5 bullish, 3 bearish.
According to our system of comparison, OSBC is a better buy in the short-term than MSBI.

Price Growth

MSBI (@Regional Banks) experienced а +2.82% price change this week, while OSBC (@Regional Banks) price change was +3.90% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +3.21%. For the same industry, the average monthly price growth was +5.99%, and the average quarterly price growth was +19.36%.

Reported Earning Dates

MSBI is expected to report earnings on Apr 23, 2026.

OSBC is expected to report earnings on Apr 22, 2026.

Industries' Descriptions

@Regional Banks (+3.21% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
OSBC($1.08B) has a higher market cap than MSBI($501M). MSBI (12.91) and OSBC (12.67) have similar P/E ratio . MSBI YTD gains are higher at: 11.856 vs. OSBC (5.601). OSBC has less debt than MSBI: OSBC (265M) vs MSBI (547M). MSBI (321M) and OSBC (311M) have equivalent revenues.
MSBIOSBCMSBI / OSBC
Capitalization501M1.08B46%
EBITDAN/AN/A-
Gain YTD11.8565.601212%
P/E Ratio12.9112.67102%
Revenue321M311M103%
Total CashN/A53.1M-
Total Debt547M265M206%
FUNDAMENTALS RATINGS
MSBI vs OSBC: Fundamental Ratings
MSBI
OSBC
OUTLOOK RATING
1..100
7370
VALUATION
overvalued / fair valued / undervalued
1..100
36
Fair valued
55
Fair valued
PROFIT vs RISK RATING
1..100
5930
SMR RATING
1..100
9024
PRICE GROWTH RATING
1..100
4149
P/E GROWTH RATING
1..100
2924
SEASONALITY SCORE
1..100
5065

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

MSBI's Valuation (36) in the Regional Banks industry is in the same range as OSBC (55). This means that MSBI’s stock grew similarly to OSBC’s over the last 12 months.

OSBC's Profit vs Risk Rating (30) in the Regional Banks industry is in the same range as MSBI (59). This means that OSBC’s stock grew similarly to MSBI’s over the last 12 months.

OSBC's SMR Rating (24) in the Regional Banks industry is significantly better than the same rating for MSBI (90). This means that OSBC’s stock grew significantly faster than MSBI’s over the last 12 months.

MSBI's Price Growth Rating (41) in the Regional Banks industry is in the same range as OSBC (49). This means that MSBI’s stock grew similarly to OSBC’s over the last 12 months.

OSBC's P/E Growth Rating (24) in the Regional Banks industry is in the same range as MSBI (29). This means that OSBC’s stock grew similarly to MSBI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
MSBIOSBC
RSI
ODDS (%)
Bearish Trend 2 days ago
70%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
72%
Bullish Trend 2 days ago
73%
Momentum
ODDS (%)
Bullish Trend 2 days ago
44%
Bullish Trend 2 days ago
71%
MACD
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
62%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
53%
Bullish Trend 2 days ago
64%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
51%
Bullish Trend 2 days ago
59%
Advances
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
65%
Declines
ODDS (%)
Bearish Trend 7 days ago
64%
Bearish Trend 8 days ago
58%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
66%
Aroon
ODDS (%)
Bullish Trend 2 days ago
46%
Bullish Trend 2 days ago
65%
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MSBI
Daily Signal:
Gain/Loss:
OSBC
Daily Signal:
Gain/Loss:
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MSBI and

Correlation & Price change

A.I.dvisor indicates that over the last year, MSBI has been closely correlated with FMBH. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if MSBI jumps, then FMBH could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To MSBI
1D Price
Change %
MSBI100%
+1.85%
FMBH - MSBI
75%
Closely correlated
+0.50%
UVSP - MSBI
73%
Closely correlated
+2.69%
BY - MSBI
72%
Closely correlated
+0.12%
OSBC - MSBI
71%
Closely correlated
+1.38%
PFIS - MSBI
71%
Closely correlated
+2.06%
More

OSBC and

Correlation & Price change

A.I.dvisor indicates that over the last year, OSBC has been closely correlated with BY. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if OSBC jumps, then BY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OSBC
1D Price
Change %
OSBC100%
+1.38%
BY - OSBC
88%
Closely correlated
+0.12%
EFSC - OSBC
88%
Closely correlated
+0.10%
PEBO - OSBC
88%
Closely correlated
+1.44%
FNB - OSBC
87%
Closely correlated
+2.52%
ASB - OSBC
87%
Closely correlated
+1.58%
More