Is OSBC or OZK more undervalued in 2026?

CirclFi compares Old Second Bancorp, Inc. (OSBC) and Bank OZK (OZK) using 13 institutional-grade valuation models. OSBC has a Quality of Company score of 8.8/10 while OZK scores 1.7/10.

Which is a better buy — OSBC or OZK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do OSBC and OZK valuations compare?

OSBC at $21.30 and OZK at $48.38 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OSBC vs OZK Valuation Comparison 2026 — Intrinsic Value Analysis

OSBC

Banks - Regional

Old Second Bancorp, Inc.

Quality

8.8

out of 10

Value Trap

SAFE

Price

$21.30

Last close

Models

12/13

Active

OZK

Banks - Regional

Bank OZK

Quality

1.7

out of 10

Value Trap

—

Price

$48.38

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	OSBC Fair Value	OSBC Upside	OZK Fair Value	OZK Upside
Bayesian DCF	Intrinsic	$8.09	-62.0%	$14.28	-70.5%
Earnings Power Value	Intrinsic	$12.97	-39.1%	$20.65	-56.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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OSBC vs OZK — Which Stock Is More Undervalued?

OSBC scores higher with a 8.8/10 quality rating vs OZK's 1.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Old Second Bancorp, Inc. (OSBC) and Bank OZK (OZK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

OSBC currently trades at $21.30 with a QOC of 8.8/10, while OZK trades at $48.38 with a QOC of 1.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).