OSBC
Price
$18.34
Change
-$0.04 (-0.22%)
Updated
Nov 13, 04:59 PM (EDT)
Capitalization
968.59M
76 days until earnings call
Intraday BUY SELL Signals
THFF
Price
$56.74
Change
-$0.56 (-0.98%)
Updated
Nov 13, 04:59 PM (EDT)
Capitalization
679.63M
89 days until earnings call
Intraday BUY SELL Signals
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OSBC vs THFF

Header iconOSBC vs THFF Comparison
Open Charts OSBC vs THFFBanner chart's image
Old Second Ban
Price$18.34
Change-$0.04 (-0.22%)
Volume$2.53K
Capitalization968.59M
First Financial
Price$56.74
Change-$0.56 (-0.98%)
Volume$300
Capitalization679.63M
OSBC vs THFF Comparison Chart in %
OSBC
Daily Signal:
Gain/Loss:
THFF
Daily Signal:
Gain/Loss:
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OSBC vs. THFF commentary
Nov 14, 2025

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 OSBC is a StrongBuy and THFF is a StrongBuy.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (OSBC: $18.38 vs. THFF: $57.30)
Brand notoriety: OSBC and THFF are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: OSBC: 137% vs. THFF: 83%
Market capitalization -- OSBC: $968.59M vs. THFF: $679.63M
OSBC [@Regional Banks] is valued at $968.59M. THFF’s [@Regional Banks] market capitalization is $679.63M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.52B to $0. The average market capitalization across the [@Regional Banks] industry is $8.16B.

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).

OSBC’s FA Score shows that 3 FA rating(s) are green whileTHFF’s FA Score has 2 green FA rating(s).

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

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.

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

  • OSBC’s TA Score: 5 bullish, 4 bearish.
  • THFF’s TA Score: 5 bullish, 3 bearish.
According to our system of comparison, THFF is a better buy in the short-term than OSBC.

Price Growth

OSBC (@Regional Banks) experienced а -0.05% price change this week, while THFF (@Regional Banks) price change was +3.02% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.97%. For the same industry, the average monthly price growth was +1.50%, and the average quarterly price growth was +11.21%.

Reported Earning Dates

OSBC is expected to report earnings on Jan 28, 2026.

THFF is expected to report earnings on Feb 10, 2026.

Industries' Descriptions

@Regional Banks (+0.97% 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($969M) has a higher market cap than THFF($680M). OSBC has higher P/E ratio than THFF: OSBC (12.43) vs THFF (9.19). THFF YTD gains are higher at: 29.140 vs. OSBC (4.862). OSBC has less debt than THFF: OSBC (85.3M) vs THFF (123M). OSBC has higher revenues than THFF: OSBC (287M) vs THFF (246M).
OSBCTHFFOSBC / THFF
Capitalization969M680M143%
EBITDAN/AN/A-
Gain YTD4.86229.14017%
P/E Ratio12.439.19135%
Revenue287M246M117%
Total Cash63.5MN/A-
Total Debt85.3M123M69%
FUNDAMENTALS RATINGS
OSBC vs THFF: Fundamental Ratings
OSBC
THFF
OUTLOOK RATING
1..100
137
VALUATION
overvalued / fair valued / undervalued
1..100
59
Fair valued
37
Fair valued
PROFIT vs RISK RATING
1..100
2924
SMR RATING
1..100
2328
PRICE GROWTH RATING
1..100
5048
P/E GROWTH RATING
1..100
2282
SEASONALITY SCORE
1..100
n/a50

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.

THFF's Valuation (37) in the Regional Banks industry is in the same range as OSBC (59). This means that THFF’s stock grew similarly to OSBC’s over the last 12 months.

THFF's Profit vs Risk Rating (24) in the Regional Banks industry is in the same range as OSBC (29). This means that THFF’s stock grew similarly to OSBC’s over the last 12 months.

OSBC's SMR Rating (23) in the Regional Banks industry is in the same range as THFF (28). This means that OSBC’s stock grew similarly to THFF’s over the last 12 months.

THFF's Price Growth Rating (48) in the Regional Banks industry is in the same range as OSBC (50). This means that THFF’s stock grew similarly to OSBC’s over the last 12 months.

OSBC's P/E Growth Rating (22) in the Regional Banks industry is somewhat better than the same rating for THFF (82). This means that OSBC’s stock grew somewhat faster than THFF’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
OSBCTHFF
RSI
ODDS (%)
N/A
Bullish Trend 2 days ago
52%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
50%
Momentum
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 2 days ago
52%
MACD
ODDS (%)
Bullish Trend 2 days ago
64%
Bullish Trend 2 days ago
53%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
58%
Bullish Trend 2 days ago
53%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
61%
Bullish Trend 2 days ago
53%
Advances
ODDS (%)
Bullish Trend 3 days ago
66%
Bullish Trend 4 days ago
50%
Declines
ODDS (%)
Bearish Trend 22 days ago
57%
Bearish Trend 28 days ago
51%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
67%
N/A
Aroon
ODDS (%)
Bearish Trend 2 days ago
54%
Bearish Trend 2 days ago
51%
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OSBC
Daily Signal:
Gain/Loss:
THFF
Daily Signal:
Gain/Loss:
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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%
-0.27%
BY - OSBC
88%
Closely correlated
+0.11%
TRMK - OSBC
87%
Closely correlated
-1.30%
HWC - OSBC
87%
Closely correlated
+0.53%
BUSE - OSBC
87%
Closely correlated
+0.52%
THFF - OSBC
87%
Closely correlated
+1.25%
More

THFF and

Correlation & Price change

A.I.dvisor indicates that over the last year, THFF has been closely correlated with NBTB. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if THFF jumps, then NBTB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To THFF
1D Price
Change %
THFF100%
+1.25%
NBTB - THFF
87%
Closely correlated
-0.72%
BUSE - THFF
87%
Closely correlated
+0.52%
FCF - THFF
87%
Closely correlated
-0.69%
SHBI - THFF
86%
Closely correlated
-0.30%
FRME - THFF
86%
Closely correlated
-1.24%
More