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Old National Bancorp

NASDAQ•ONB
CEO: Mr. James C. Ryan III
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1984-06-20
Old National Bancorp operates as the bank holding company for Old National Bank that provides various financial services to individual and commercial customers in the United States. It accepts deposit accounts, including noninterest-bearing demand, interest-bearing checking, negotiable order of withdrawal, savings and money market, and time deposits; and offers loans, such as home equity lines of credit, residential real estate loans, consumer loans, commercial loans, commercial real estate loans, agricultural loans, letters of credit, and lease financing. The company also provides debit and automated teller machine cards, telephone access, online banking, and other electronic and mobile banking services; cash management, private banking, brokerage, trust, investment advisory, and other traditional banking services; wealth management, investment, and foreign currency services; and treasury management, merchant, and capital markets services, as well as community development lending and equity investment solutions. The company was founded in 1834 and is headquartered in Evansville, Indiana.
Contact Information
One Main Street, Evansville, IN, 47708, United States
800-731-2265
www.oldnational.com
Market Cap
$9.17B
P/E (TTM)
13.6
14.1
Dividend Yield
2.4%
52W High
$26.17
52W Low
$16.83
52W Range
71%
Rank40Top 42.0%
4.1
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.1 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$1.01B+32.88%
4-Quarter Trend

EPS

$0.55+17.02%
4-Quarter Trend

FCF

$137.31M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Asset Growth Post-Bremer Integration Consolidated assets reached $72.15B, driven by Bremer acquisition; total deposits grew 35% to $55.09B by year-end 2025.
Net Income and Margin Expansion YTD Net income applicable to common shareholders was $653.1M; Q4 NIM improved significantly to 3.65% due to acquired assets.
Improved Efficiency and Credit Quality Efficiency ratio improved to 51.58% in Q4 2025, reflecting disciplined expense management; NPL ratio decreased to 1.07%.
Strong Capital Ratios Maintained CET1 ratio stood at 11.08% at year-end, exceeding regulatory minimums despite integration costs and balance sheet growth.

Risk Factors

Economic Downturn Credit Risk Performance highly dependent on favorable economic conditions; downturns increase loan defaults and require higher loss provisions.
Interest Rate Spread Volatility Earnings sensitive to interest rate spread; sharp fluctuations impact net interest income and increase short-term funding costs.
Cybersecurity and Operational Failures Failure of security systems or external vendors could disrupt business, cause data disclosure, and create significant legal exposure.
Merger Integration Challenges Failure to fully realize expected synergies or manage integration difficulties from recent acquisitions may dilute shareholder value.

Outlook

Focus on TBVPS Growth Priority for 2026 is driving tangible book value per share growth based on disciplined organic loan growth and pipeline strength.
Disciplined Organic Growth Strategy Remain focused on disciplined organic growth, prudent capital deployment, and continued investment in client-facing capabilities for 2026.
Maintain Strong Credit Quality Commitment to maintaining strong credit quality while navigating short-term interest rate shifts and overall economic conditions.

Peer Comparison

Revenue (TTM)

CFG stock ticker logoCFG
$11.15B
-9.7%
WAL stock ticker logoWAL
$5.29B
+5.6%
ZION stock ticker logoZION
$4.94B
-0.8%

Gross Margin (Latest Quarter)

CFG stock ticker logoCFG
100.0%
+40.1pp
CBSH stock ticker logoCBSH
80.4%
+2.5pp
CFR stock ticker logoCFR
76.4%
+0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CFG$25.63B14.17.2%5.0%
FHN$11.52B11.711.1%5.5%
SSB$9.91B12.49.0%2.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
11.6%
Steady Growth
4Q Net Income CAGR
14.4%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 20, 2026
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LTM
No Data