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
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
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)
$11.15B
$5.29B
$4.94B
Gross Margin (Latest Quarter)
100.0%
80.4%
76.4%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| CFG | $25.63B | 14.1 | 7.2% | 5.0% |
| FHN | $11.52B | 11.7 | 11.1% | 5.5% |
| SSB | $9.91B | 12.4 | 9.0% | 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
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data