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Old National Bancorp (ONBPO) Financials

Old National Bancorp logo
$24.96 +0.10 (+0.42%)
As of 11:01 AM Eastern
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Annual Income Statements for Old National Bancorp

Annual Income Statements for Old National Bancorp

This table shows Old National Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders
117 134 96 191 238 226 278 414 566 523 653
Consolidated Net Income / (Loss)
117 134 96 191 238 226 278 428 582 539 669
Net Income / (Loss) Continuing Operations
117 134 96 191 238 226 278 428 582 539 669
Total Pre-Tax Income
163 200 169 209 290 256 339 545 751 680 841
Total Revenue
597 656 621 733 804 835 811 1,728 1,836 1,885 2,524
Net Interest Income / (Expense)
366 403 437 538 604 596 596 1,328 1,503 1,531 2,058
Total Interest Income
399 447 495 632 730 663 639 1,454 2,207 2,602 3,270
Loans and Leases Interest Income
- 349 389 508 570 516 490 1,178 1,815 2,139 2,621
Investment Securities Interest Income
399 98 106 123 159 147 148 274 352 416 601
Deposits and Money Market Investments Interest Income
- 0.13 0.26 0.63 1.67 0.57 0.59 2.81 40 46 48
Total Interest Expense
33 44 58 94 126 67 42 126 704 1,071 1,212
Deposits Interest Expense
14 17 20 41 69 28 11 49 484 846 953
Long-Term Debt Interest Expense
17 25 35 46 49 37 31 71 205 219 252
Federal Funds Purchased and Securities Sold Interest Expense
1.75 2.18 3.24 6.76 8.17 2.15 0.40 5.86 15 6.01 7.02
Total Non-Interest Income
231 253 183 195 199 239 214 400 333 355 467
Trust Fees by Commissions
52 53 58 57 59 58 65 101 108 117 144
Service Charges on Deposit Accounts
- 42 41 44 45 33 32 73 72 78 100
Other Service Charges
140 82 59 62 69 103 81 95 98 119 158
Net Realized & Unrealized Capital Gains on Investments
22 64 9.14 16 1.92 11 4.33 91 15 -0.21 -0.04
Other Non-Interest Income
16 12 15 16 25 35 33 41 40 41 64
Provision for Credit Losses
2.92 0.96 3.05 6.97 4.75 43 -30 145 59 111 198
Total Non-Interest Expense
431 454 449 517 508 537 501 1,038 1,026 1,094 1,485
Salaries and Employee Benefits
244 253 247 281 289 294 284 576 546 603 749
Net Occupancy & Equipment Expense
94 96 92 51 110 113 119 213 219 236 298
Marketing Expense
10 15 13 16 16 11 13 32 40 46 55
Property & Liability Insurance Claims
7.50 8.68 9.48 11 6.03 6.72 6.06 19 57 45 48
Other Operating Expenses
64 69 63 121 68 80 62 161 125 124 230
Amortization Expense
12 13 12 14 17 33 11 26 24 28 79
Other Special Charges
- - 12 23 2.75 - 6.77 11 15 13 26
Income Tax Expense
46 66 73 18 52 29 61 116 169 141 172
Preferred Stock Dividends Declared
- - - - - 0.00 0.00 14 16 16 16
Basic Earnings per Share
$1.01 $1.05 $0.69 $1.23 $1.39 $1.37 $1.68 $1.51 $1.95 $1.69 $1.80
Weighted Average Basic Shares Outstanding
115.73M 127.71M 137.82M 155.68M 171.91M 165.51M 165.18M 275.18M 290.75M 309.50M 363.51M
Diluted Earnings per Share
$1.00 $1.05 $0.69 $1.22 $1.38 $1.36 $1.67 $1.50 $1.94 $1.68 $1.79
Weighted Average Diluted Shares Outstanding
116.26M 128.30M 138.51M 156.54M 172.69M 166.18M 165.93M 276.69M 291.86M 311.00M 365.46M
Weighted Average Basic & Diluted Shares Outstanding
115.60M 127.90M 138.70M 155.10M 169.05M 165.38M 165.85M 292.92M 292.70M 318.98M 389.67M
Cash Dividends to Common per Share
$0.48 $0.52 $0.52 $0.52 $0.52 $0.56 $0.56 $0.56 $0.56 $0.56 $0.56

Quarterly Income Statements for Old National Bancorp

This table shows Old National Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders
144 128 116 117 140 150 141 121 179 213 230
Consolidated Net Income / (Loss)
148 132 120 121 144 154 145 125 183 217 234
Net Income / (Loss) Continuing Operations
148 132 120 121 144 154 145 125 183 217 234
Total Pre-Tax Income
192 169 153 156 185 186 182 156 233 272 295
Total Revenue
456 465 434 476 486 490 481 647 705 691 695
Net Interest Income / (Expense)
375 364 356 388 392 394 388 515 575 581 573
Total Interest Income
577 590 596 664 680 662 630 825 917 897 877
Loans and Leases Interest Income
474 481 487 546 561 545 516 659 732 715 696
Investment Securities Interest Income
89 95 99 107 107 104 106 152 173 170 170
Deposits and Money Market Investments Interest Income
13 14 9.99 11 12 13 8.82 15 12 12 11
Total Interest Expense
201 225 240 275 288 268 243 310 343 316 305
Deposits Interest Expense
147 173 185 216 230 215 190 240 273 250 233
Long-Term Debt Interest Expense
52 51 52 57 58 52 50 68 67 66 71
Federal Funds Purchased and Securities Sold Interest Expense
1.62 0.92 1.88 2.63 0.90 0.61 2.18 1.59 2.55 0.70 0.62
Total Non-Interest Income
81 100 78 87 94 96 94 133 130 110 122
Trust Fees by Commissions
27 28 28 29 29 30 30 36 40 39 40
Service Charges on Deposit Accounts
19 19 18 19 20 21 21 24 28 28 27
Other Service Charges
26 24 25 28 32 34 33 59 43 23 37
Net Realized & Unrealized Capital Gains on Investments
-0.24 21 -0.02 0.00 -0.08 -0.12 -0.08 -0.04 0.01 0.07 0.08
Other Non-Interest Income
9.63 9.19 6.33 10 13 12 9.89 14 20 20 19
Provision for Credit Losses
19 12 19 36 28 27 31 107 27 33 35
Total Non-Interest Expense
245 284 262 283 272 277 268 385 446 386 365
Salaries and Employee Benefits
132 142 150 159 147 147 148 202 211 187 184
Net Occupancy & Equipment Expense
55 56 56 59 60 60 60 74 83 80 78
Marketing Expense
9.45 11 11 11 11 13 12 14 15 14 16
Property & Liability Insurance Claims
9.00 28 11 9.68 12 12 9.70 13 14 11 14
Other Operating Expenses
31 35 27 33 31 33 28 56 89 57 40
Amortization Expense
6.04 5.87 5.46 7.43 7.41 7.24 6.83 20 26 26 26
Other Special Charges
2.64 7.20 2.75 2.75 3.28 4.56 3.42 5.82 7.06 9.82 7.11
Income Tax Expense
44 36 32 35 41 32 37 30 50 55 62
Preferred Stock Dividends Declared
4.03 4.03 4.03 4.03 4.03 4.03 4.03 4.03 4.03 4.03 4.03
Basic Earnings per Share
$0.49 $0.45 $0.40 $0.37 $0.44 $0.48 $0.45 $0.34 $0.46 $0.55 $0.60
Weighted Average Basic Shares Outstanding
290.65M 290.75M 290.98M 315.59M 315.62M 309.50M 315.93M 360.16M 389.04M 363.51M 385.85M
Diluted Earnings per Share
$0.49 $0.44 $0.40 $0.37 $0.44 $0.47 $0.44 $0.34 $0.46 $0.55 $0.59
Weighted Average Diluted Shares Outstanding
291.72M 291.86M 292.21M 316.46M 317.33M 311.00M 321.02M 361.44M 390.50M 365.46M 388.05M
Weighted Average Basic & Diluted Shares Outstanding
292.62M 292.70M 318.97M 318.97M 318.97M 318.98M 319.75M 391.86M 390.77M 389.67M 386.37M
Cash Dividends to Common per Share
$0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.15

Annual Cash Flow Statements for Old National Bancorp

This table details how cash moves in and out of Old National Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents
-20 36 35 27 -41 313 232 -94 447 53 598
Net Cash From Operating Activities
124 25 250 234 234 220 330 814 516 622 681
Net Cash From Continuing Operating Activities
124 25 250 234 234 220 330 814 516 622 681
Net Income / (Loss) Continuing Operations
117 134 96 191 238 226 278 428 582 539 669
Consolidated Net Income / (Loss)
117 134 96 191 238 226 278 428 582 539 669
Provision For Loan Losses
2.92 0.96 3.05 - 4.75 43 -30 145 59 111 198
Depreciation Expense
14 17 22 24 27 29 27 36 38 38 45
Amortization Expense
30 31 39 52 39 52 34 56 25 7.78 -36
Non-Cash Adjustments to Reconcile Net Income
-27 -186 24 -41 -76 -40 -1.05 -85 -6.87 17 4.37
Changes in Operating Assets and Liabilities, net
-13 28 66 9.17 1.65 -90 22 234 -181 -90 -199
Net Cash From Investing Activities
-501 -641 -536 -271 -525 -2,141 -1,432 -1,686 -1,819 -1,372 -1,835
Net Cash From Continuing Investing Activities
-501 -641 -536 -271 -525 -2,141 -1,432 -1,686 -1,819 -1,372 -1,835
Purchase of Property, Leasehold Improvements and Equipment
-86 -225 -37 -33 -37 -31 -49 -38 -38 -30 -44
Purchase of Investment Securities
-1,585 -2,070 -1,368 -1,000 -2,224 -4,458 -3,127 -4,835 -3,888 -3,078 -6,070
Sale of Property, Leasehold Improvements and Equipment
7.71 6.33 19 7.34 3.77 7.83 29 4.48 3.51 1.59 2.37
Divestitures
- 92 - 61 - 0.00 0.00 1,913 0.00 178 135
Sale and/or Maturity of Investments
1,159 1,545 850 694 1,732 2,339 1,714 1,561 2,104 1,557 4,142
Net Cash From Financing Activities
357 652 321 64 251 2,235 1,334 777 1,749 803 1,752
Net Cash From Continuing Financing Activities
357 652 321 64 251 2,235 1,334 777 1,749 803 1,752
Net Change in Deposits
89 490 85 262 203 2,484 1,532 -436 2,234 1,028 1,402
Issuance of Debt
575 925 1,205 995 575 950 50 2,900 2,700 1,400 2,726
Issuance of Common Equity
0.39 0.39 0.40 0.50 0.57 0.58 0.58 0.81 1.08 1.03 444
Repayment of Debt
-229 -595 -968 -1,003 -382 -675 -112 -1,925 -2,233 -1,427 -2,567
Repurchase of Common Equity
-89 -2.04 -2.76 -1.81 -102 -82 -3.73 -71 -44 -8.88 -72
Payment of Dividends
-56 -68 -73 -82 -89 -93 -93 -178 -180 -191 -225
Other Financing Activities, Net
66 -99 74 -106 46 -349 -40 487 -729 -0.01 43

Quarterly Cash Flow Statements for Old National Bancorp

This table details how cash moves in and out of Old National Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents
466 -488 -236 294 -41 36 12 569 -126 144 -72
Net Cash From Operating Activities
229 73 104 161 121 236 108 73 341 159 206
Net Cash From Continuing Operating Activities
229 73 104 161 121 236 108 73 341 159 206
Net Income / (Loss) Continuing Operations
148 132 120 121 144 154 145 125 183 217 234
Consolidated Net Income / (Loss)
148 132 120 121 144 154 145 125 183 217 234
Provision For Loan Losses
19 12 19 36 28 27 31 107 27 33 35
Depreciation Expense
9.78 10 9.68 9.27 9.50 9.66 9.55 11 12 13 12
Amortization Expense
10 12 9.34 13 14 15 1.89 -26 -13 -9.68 -11
Non-Cash Adjustments to Reconcile Net Income
2.38 -28 -3.05 -22 -16 16 7.96 -22 -0.68 30 3.21
Changes in Operating Assets and Liabilities, net
39 -65 -51 4.13 -58 14 -87 -122 134 -124 -67
Net Cash From Investing Activities
-270 -257 -766 -191 -298 -117 -271 -414 -451 -699 -1,083
Net Cash From Continuing Investing Activities
-270 -257 -766 -191 -298 -117 -271 -414 -451 -699 -1,083
Purchase of Property, Leasehold Improvements and Equipment
-11 -10 -8.48 -9.37 -5.67 -6.76 -5.80 -8.80 -7.59 -22 -13
Purchase of Investment Securities
-1,013 -869 -1,127 -890 -593 -468 -682 -3,157 -886 -1,346 -1,999
Sale of Property, Leasehold Improvements and Equipment
1.14 - 0.00 - 1.59 - 1.19 - 1.18 - 0.15
Sale and/or Maturity of Investments
753 622 369 531 299 357 416 2,554 503 669 929
Net Cash From Financing Activities
507 -304 426 323 135 -82 174 910 -16 683 805
Net Cash From Continuing Financing Activities
507 -304 426 323 135 -82 174 910 -16 683 805
Net Change in Deposits
1,021 -17 464 -261 847 -22 211 442 667 82 584
Issuance of Debt
-150 250 750 950 -300 - 301 1,150 475 800 2,075
Issuance of Common Equity
0.26 0.28 0.27 0.27 0.25 0.25 0.25 443 0.27 0.32 0.33
Repayment of Debt
-305 -491 -786 -483 -252 99 -297 -1,399 -734 -159 -1,791
Repurchase of Common Equity
-0.45 -0.04 -7.18 -1.28 -0.29 -0.14 -14 -7.96 -25 -25 -104
Payment of Dividends
-45 -45 -45 -49 -49 -49 -49 -59 -59 -59 -60
Other Financing Activities, Net
-14 -0.53 50 166 -111 -111 21 340 -340 43 100
Cash Interest Paid
197 - 242 271 285 - 258 321 346 - 308
Cash Income Taxes Paid
71 - 2.43 36 16 - 2.17 42 10 - 11

Annual Balance Sheets for Old National Bancorp

This table presents Old National Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets
11,992 14,860 17,518 19,728 20,412 22,961 24,454 46,763 49,090 53,552 72,152
Cash and Due from Banks
91 209 223 284 235 268 173 453 431 394 592
Interest Bearing Deposits at Other Banks
129 46 68 33 42 322 649 275 744 834 1,235
Trading Account Securities
3,294 3,547 3,886 4,650 5,439 6,036 7,431 9,927 6,825 10,540 14,462
Loans and Leases, Net of Allowance
6,896 8,961 11,068 12,188 -55 13,655 13,495 30,820 32,684 35,893 48,195
Loans and Leases
6,948 9,011 11,118 12,244 - 13,786 13,602 31,124 32,992 36,286 48,764
Allowance for Loan and Lease Losses
52 50 50 55 55 131 107 304 308 393 570
Premises and Equipment, Net
197 430 458 486 491 464 476 557 565 589 691
Goodwill
585 655 828 1,036 1,037 1,037 1,037 1,999 1,999 2,175 2,426
Intangible Assets
35 38 53 77 60 46 35 126 102 121 482
Other Assets
740 858 917 973 13,163 1,132 1,158 2,605 5,739 3,006 4,071
Total Liabilities & Shareholders' Equity
11,992 14,860 17,518 19,728 20,412 22,961 24,454 46,763 49,090 53,552 72,152
Total Liabilities
10,500 13,046 15,364 17,039 17,559 19,988 21,442 41,635 43,527 47,212 63,657
Non-Interest Bearing Deposits
2,489 3,016 3,681 3,965 4,042 5,634 6,303 11,931 9,664 9,399 13,247
Interest Bearing Deposits
5,912 7,727 8,925 10,385 10,511 11,404 12,266 23,070 27,571 31,425 41,841
Federal Funds Purchased and Securities Sold
291 213 335 270 350 1.17 0.28 581 0.39 0.39 100
Short-Term Debt
606 586 634 610 328 431 689 433 1,050 269 261
Long-Term Debt
1,023 1,353 1,610 1,613 2,067 2,244 1,886 4,572 4,281 5,142 7,090
Other Long-Term Liabilities
179 150 180 195 261 274 297 1,048 961 977 1,118
Total Equity & Noncontrolling Interests
1,491 1,814 2,154 2,690 2,852 2,973 3,012 5,129 5,563 6,340 8,495
Total Preferred & Common Equity
1,491 1,814 2,154 2,690 2,852 2,973 3,012 5,129 5,563 6,340 8,495
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00 231 231 231 231
Total Common Equity
1,491 1,814 2,154 2,690 2,852 2,973 3,012 4,898 5,332 6,110 8,264
Common Stock
1,202 1,483 1,792 2,207 2,114 2,041 2,046 4,467 4,453 4,890 6,334
Retained Earnings
324 390 413 528 682 784 968 1,217 1,619 1,966 2,409
Accumulated Other Comprehensive Income / (Loss)
-35 -59 -50 -45 56 148 -2.38 -786 -739 -746 -479

Quarterly Balance Sheets for Old National Bancorp

This table presents Old National Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets
46,216 47,843 48,497 49,059 49,535 53,120 53,602 53,878 70,980 71,210 73,003
Cash and Due from Banks
467 387 473 381 351 429 498 486 638 492 537
Interest Bearing Deposits at Other Banks
335 727 725 1,282 589 804 693 754 1,171 1,191 1,217
Trading Account Securities
10,011 6,759 6,572 6,485 6,896 10,244 10,553 10,829 14,130 11,625 14,488
Loans and Leases, Net of Allowance
30,227 31,524 32,132 32,274 33,304 35,784 36,020 36,012 47,338 47,396 49,157
Loans and Leases
30,529 31,822 32,432 32,578 33,623 36,151 36,401 36,414 47,903 47,968 49,732
Allowance for Loan and Lease Losses
302 299 301 304 320 366 381 402 565 572 574
Premises and Equipment, Net
588 567 564 566 564 602 600 585 683 692 690
Goodwill
2,003 1,999 1,999 1,999 1,999 2,171 2,177 2,175 2,410 2,419 2,430
Intangible Assets
133 120 114 108 97 135 128 114 534 508 457
Other Assets
2,432 5,750 5,803 5,843 5,736 2,951 2,933 2,923 4,076 6,888 4,027
Total Liabilities & Shareholders' Equity
46,216 47,843 48,497 49,059 49,535 53,120 53,602 53,878 70,980 71,210 73,003
Total Liabilities
41,272 42,565 43,205 43,820 43,940 47,045 47,235 47,343 62,853 62,901 64,492
Non-Interest Bearing Deposits
12,400 10,995 10,533 10,091 9,258 9,336 9,429 9,186 12,653 12,692 12,927
Interest Bearing Deposits
23,654 23,923 25,698 27,161 28,442 30,663 31,416 31,848 41,705 42,315 42,745
Federal Funds Purchased and Securities Sold
301 619 136 0.92 50 250 135 0.17 340 0.00 201
Short-Term Debt
438 1,140 1,127 1,143 1,088 241 245 290 298 1,103 265
Long-Term Debt
3,526 4,982 4,771 4,413 4,193 5,594 5,069 5,157 6,708 5,663 7,358
Other Long-Term Liabilities
954 907 939 1,011 909 960 940 862 1,150 1,128 996
Total Equity & Noncontrolling Interests
4,943 5,277 5,292 5,240 5,595 6,075 6,367 6,535 8,126 8,309 8,511
Total Preferred & Common Equity
4,943 5,277 5,292 5,240 5,595 6,075 6,367 6,535 8,126 8,309 8,511
Preferred Stock
231 231 231 231 231 231 231 231 231 231 231
Total Common Equity
4,713 5,047 5,062 5,009 5,365 5,845 6,137 6,304 7,896 8,079 8,280
Common Stock
4,459 4,437 4,442 4,447 4,451 4,870 4,880 4,891 6,368 6,352 6,241
Retained Earnings
1,062 1,319 1,429 1,531 1,694 1,766 1,861 2,061 2,127 2,251 2,582
Accumulated Other Comprehensive Income / (Loss)
-808 -708 -809 -969 -780 -791 -604 -649 -600 -524 -543

Annual Metrics And Ratios for Old National Bancorp

This table displays calculated financial ratios and metrics derived from Old National Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics
- - - - - - - - - - -
Profitability Metrics
- - - - - - - - - - -
Valuation Ratios
- - - - - - - - - - -
Leverage & Solvency
- - - - - - - - - - -
Liquidity Ratios
- - - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - - -
Efficiency Ratios
- - - - - - - - - - -
Capital & Investment Metrics
- - - - - - - - - - -
Earnings Adjustments
- - - - - - - - - - -
Adjusted Basic Earnings per Share
$0.00 $0.00 $0.00 $0.00 $1.39 $1.37 $1.68 $1.51 $0.00 $1.69 $1.80
Adjusted Weighted Average Basic Shares Outstanding
115.73M 127.71M 137.82M 155.68M 171.91M 165.51M 165.18M 275.18M 0.00 309.50M 363.51M
Adjusted Diluted Earnings per Share
$1.00 $1.05 $0.69 $1.22 $1.38 $1.36 $1.67 $1.50 $0.00 $1.68 $1.79
Adjusted Weighted Average Diluted Shares Outstanding
116.26M 128.30M 138.51M 156.54M 172.69M 166.18M 165.93M 276.69M 0.00 311.00M 365.46M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $1.39 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
114.31M 135.20M 152.06M 175.16M 169.05M 165.38M 165.85M 292.92M 0.00 318.98M 389.67M
Debt Service Ratios
- - - - - - - - - - -
Payout Ratios
- - - - - - - - - - -

Quarterly Metrics And Ratios for Old National Bancorp

This table displays calculated financial ratios and metrics derived from Old National Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding
- - - - - - - - - - 389,673,000.00
DEI Adjusted Shares Outstanding
- - - - - - - - - - 389,673,000.00
DEI Earnings Per Adjusted Shares Outstanding
- - - - - - - - - - 0.60
Growth Metrics
- - - - - - - - - - -
Revenue Growth
-0.21% -16.48% -4.02% 2.56% 6.54% 5.48% 10.94% 36.08% 45.12% - 44.34%
EBITDA Growth
4.48% -33.78% -18.08% -20.40% -1.80% 10.65% 18.75% -14.87% 18.57% - 53.86%
EBIT Growth
7.34% -35.63% -18.75% -22.70% -3.69% 10.34% 18.85% -0.49% 25.67% - 62.63%
NOPAT Growth
5.51% -34.00% -17.95% -21.81% -2.76% 16.15% 20.26% 3.45% 26.96% - 61.53%
Net Income Growth
5.51% -34.00% -17.95% -21.81% -2.76% 16.15% 20.26% 3.45% 26.96% - 61.53%
EPS Growth
4.26% -43.59% -18.37% -28.85% -10.20% 6.82% 10.00% -8.11% 4.55% - 34.09%
Operating Cash Flow Growth
-7.92% -42.71% 94.14% -0.03% -46.98% 223.72% 3.82% -54.73% 181.24% - 90.50%
Free Cash Flow Firm Growth
45.55% 85.55% 138.41% 61.94% 57.31% -12.14% -249.40% -417.11% -332.47% - -307.82%
Invested Capital Growth
21.19% 7.50% -4.59% 6.44% 8.21% 7.87% 10.16% 27.05% 29.06% - 34.65%
Revenue Q/Q Growth
-1.68% 1.86% -6.57% 9.61% 2.14% 0.84% -1.74% 34.45% 8.92% - 0.63%
EBITDA Q/Q Growth
-5.23% -10.25% -9.82% 3.78% 16.91% 1.13% -3.22% -31.06% 64.39% - 8.11%
EBIT Q/Q Growth
-5.06% -12.23% -9.43% 2.43% 18.28% 0.55% -2.44% -14.24% 49.38% - 8.74%
NOPAT Q/Q Growth
-4.62% -10.41% -9.21% 0.79% 18.62% 7.00% -5.99% -13.31% 45.58% - 7.87%
Net Income Q/Q Growth
-4.62% -10.41% -9.21% 0.79% 18.62% 7.00% -5.99% -13.31% 45.58% - 7.87%
EPS Q/Q Growth
-5.77% -10.20% -9.09% -7.50% 18.92% 6.82% -6.38% -22.73% 35.29% - 7.27%
Operating Cash Flow Q/Q Growth
42.09% -68.17% 43.12% 54.44% -24.64% 94.33% -54.10% -32.65% 368.14% - 29.50%
Free Cash Flow Firm Q/Q Growth
-10.57% 63.91% 202.44% -193.13% -24.02% 5.21% -36.47% -222.33% -3.72% - -1.04%
Invested Capital Q/Q Growth
-3.53% 0.92% -0.16% 9.51% -1.92% 0.60% 1.96% 26.30% -0.37% - 1.81%
Profitability Metrics
- - - - - - - - - - -
EBITDA Margin
46.54% 41.01% 39.58% 37.48% 42.90% 43.02% 42.37% 21.73% 32.79% - 42.73%
EBIT Margin
42.14% 36.31% 35.20% 32.90% 38.09% 37.98% 37.71% 24.05% 32.99% - 42.49%
Profit (Net Income) Margin
32.43% 28.52% 27.72% 25.48% 29.60% 31.41% 30.05% 19.37% 25.89% - 33.63%
Tax Burden Percent
76.95% 78.54% 78.73% 77.47% 77.70% 82.68% 79.67% 80.54% 78.49% - 79.14%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate
23.05% 21.46% 21.27% 22.53% 22.30% 17.32% 20.33% 19.46% 21.51% - 20.86%
Return on Invested Capital (ROIC)
6.35% 4.98% 4.53% 4.04% 4.90% 5.23% 5.08% 3.02% 4.50% - 6.55%
ROIC Less NNEP Spread (ROIC-NNEP)
6.35% 4.98% 4.53% 4.04% 4.90% 5.23% 5.08% 3.02% 4.50% - 6.55%
Return on Net Nonoperating Assets (RNNOA)
5.93% 4.82% 4.75% 4.17% 4.59% 4.72% 4.49% 2.73% 3.70% - 5.69%
Return on Equity (ROE)
12.28% 9.80% 9.27% 8.21% 9.49% 9.95% 9.58% 5.74% 8.20% - 12.24%
Cash Return on Invested Capital (CROIC)
-12.56% -1.70% 9.68% -1.72% -3.28% -2.81% -4.74% -19.63% -20.84% - -24.14%
Operating Return on Assets (OROA)
1.71% 1.39% 1.31% 1.18% 1.38% 1.40% 1.41% 0.82% 1.23% - 1.83%
Return on Assets (ROA)
1.31% 1.09% 1.04% 0.92% 1.07% 1.15% 1.12% 0.66% 0.96% - 1.45%
Return on Common Equity (ROCE)
11.72% 9.38% 8.88% 7.87% 9.11% 9.56% 9.21% 5.56% 7.94% - 11.86%
Return on Equity Simple (ROE_SIMPLE)
12.41% 0.00% 9.93% 8.59% 8.13% 0.00% 8.62% 6.99% 7.30% - 8.91%
Net Operating Profit after Tax (NOPAT)
148 132 120 121 144 154 145 125 183 - 234
NOPAT Margin
32.43% 28.52% 27.72% 25.48% 29.60% 31.41% 30.05% 19.37% 25.89% - 33.63%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
SG&A Expenses to Revenue
42.91% 44.83% 49.81% 48.29% 45.05% 44.85% 45.74% 44.85% 43.93% - 40.09%
Operating Expenses to Revenue
53.68% 61.19% 60.44% 59.49% 56.04% 56.50% 55.76% 59.44% 63.22% - 52.48%
Earnings before Interest and Taxes (EBIT)
192 169 153 156 185 186 182 156 233 - 295
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
212 191 172 178 208 211 204 141 231 - 297
Valuation Ratios
- - - - - - - - - - -
Price to Book Value (P/BV)
0.82 0.90 0.94 0.94 0.89 1.13 1.07 0.86 1.06 - 1.04
Price to Tangible Book Value (P/TBV)
1.42 1.48 1.55 1.55 1.43 1.82 1.68 1.38 1.67 - 1.60
Price to Revenue (P/Rev)
2.13 2.61 2.78 3.00 2.94 3.67 3.50 3.24 3.70 - 3.15
Price to Earnings (P/E)
6.49 8.47 9.36 10.84 10.89 13.24 12.35 12.37 14.57 - 11.60
Dividend Yield
3.98% 3.42% 3.24% 3.26% 3.00% 2.58% 2.64% 2.62% 2.55% - 2.56%
Earnings Yield
15.42% 11.80% 10.68% 9.22% 9.18% 7.56% 8.10% 8.08% 6.86% - 8.62%
Enterprise Value to Invested Capital (EV/IC)
0.76 0.84 0.88 0.87 0.84 0.96 0.93 0.81 0.92 - 0.91
Enterprise Value to Revenue (EV/Rev)
4.27 5.00 5.29 5.64 5.28 6.01 5.79 5.82 5.99 - 5.37
Enterprise Value to EBITDA (EV/EBITDA)
8.82 10.98 12.05 13.70 13.10 14.74 13.97 15.77 17.11 - 15.41
Enterprise Value to EBIT (EV/EBIT)
9.75 12.22 13.44 15.39 14.80 16.66 15.79 17.29 18.41 - 15.40
Enterprise Value to NOPAT (EV/NOPAT)
12.66 15.77 17.32 19.77 18.95 21.03 19.87 21.58 22.94 - 19.40
Enterprise Value to Operating Cash Flow (EV/OCF)
14.43 17.78 16.98 18.20 21.37 18.22 17.88 22.76 18.36 - 18.87
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 8.92 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Leverage & Solvency
- - - - - - - - - - -
Debt to Equity
1.06 0.96 0.94 0.96 0.83 0.85 0.83 0.86 0.81 - 0.90
Long-Term Debt to Equity
0.84 0.77 0.75 0.92 0.80 0.70 0.79 0.83 0.68 - 0.86
Financial Leverage
0.93 0.97 1.05 1.03 0.94 0.90 0.88 0.90 0.82 - 0.87
Leverage Ratio
9.36 8.97 8.96 8.94 8.84 8.62 8.53 8.74 8.50 - 8.43
Compound Leverage Factor
9.36 8.97 8.96 8.94 8.84 8.62 8.53 8.74 8.50 - 8.43
Debt to Total Capital
51.46% 48.93% 48.55% 48.99% 45.49% 46.05% 45.46% 46.30% 44.88% - 47.25%
Short-Term Debt to Total Capital
10.58% 9.64% 10.00% 2.02% 2.09% 8.16% 2.42% 1.97% 7.32% - 1.64%
Long-Term Debt to Total Capital
40.88% 39.30% 38.55% 46.97% 43.40% 37.89% 43.04% 44.33% 37.57% - 45.61%
Preferred Equity to Total Capital
2.14% 2.12% 2.12% 1.94% 1.97% 1.96% 1.92% 1.52% 1.53% - 1.43%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital
46.40% 48.95% 49.33% 49.07% 52.54% 51.99% 52.62% 52.18% 53.59% - 51.32%
Debt to EBITDA
5.95 6.37 6.61 7.75 7.09 7.03 6.80 9.02 8.32 - 7.99
Net Debt to EBITDA
4.17 4.97 5.44 6.11 5.50 5.44 5.25 6.69 6.25 - 6.15
Long-Term Debt to EBITDA
4.73 5.12 5.25 7.43 6.77 5.79 6.43 8.63 6.96 - 7.71
Debt to NOPAT
8.54 9.16 9.50 11.18 10.26 10.04 9.67 12.34 11.16 - 10.05
Net Debt to NOPAT
5.98 7.14 7.81 8.82 7.96 7.76 7.47 9.15 8.38 - 7.74
Long-Term Debt to NOPAT
6.79 7.36 7.55 10.72 9.79 8.26 9.15 11.82 9.34 - 9.70
Noncontrolling Interest Sharing Ratio
4.53% 4.31% 4.24% 4.06% 3.97% 3.87% 3.80% 3.25% 3.14% - 3.06%
Liquidity Ratios
- - - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - - -
Free Cash Flow to Firm (FCFF)
-1,740 -628 643 -599 -743 -704 -961 -3,097 -3,212 - -3,918
Operating Cash Flow to CapEx
2,403.35% 706.99% 1,228.87% 1,718.95% 2,972.70% 3,489.56% 2,346.27% 828.12% 5,324.52% - 1,619.09%
Free Cash Flow to Firm to Interest Expense
-8.64 -2.79 2.68 -2.18 -2.58 -2.63 -3.96 -9.98 -9.38 - -12.85
Operating Cash Flow to Interest Expense
1.14 0.32 0.44 0.58 0.42 0.88 0.45 0.24 1.00 - 0.68
Operating Cash Flow Less CapEx to Interest Expense
1.09 0.28 0.40 0.55 0.41 0.85 0.43 0.21 0.98 - 0.63
Efficiency Ratios
- - - - - - - - - - -
Asset Turnover
0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.04 - 0.04
Fixed Asset Turnover
3.34 3.27 3.22 3.14 3.19 3.27 3.37 3.28 3.60 - 4.29
Capital & Investment Metrics
- - - - - - - - - - -
Invested Capital
10,795 10,894 10,876 11,910 11,681 11,752 11,982 15,132 15,076 - 16,133
Invested Capital Turnover
0.20 0.17 0.16 0.16 0.17 0.17 0.17 0.16 0.17 - 0.19
Increase / (Decrease) in Invested Capital
1,888 760 -523 720 887 858 1,105 3,222 3,395 - 4,152
Enterprise Value (EV)
8,235 9,181 9,623 10,316 9,815 11,337 11,197 12,251 13,915 - 14,711
Market Capitalization
4,113 4,794 5,051 5,483 5,462 6,923 6,759 6,823 8,601 - 8,612
Book Value per Share
$17.12 $18.22 $18.44 $18.32 $20.97 $19.15 $19.76 $24.69 $20.62 - $21.25
Tangible Book Value per Share
$9.92 $11.04 $11.24 $11.09 $13.09 $11.96 $12.59 $15.49 $13.15 - $13.84
Total Capital
10,795 10,894 10,876 11,910 11,681 11,752 11,982 15,132 15,076 - 16,133
Total Debt
5,555 5,331 5,281 5,835 5,314 5,411 5,447 7,006 6,766 - 7,623
Total Long-Term Debt
4,413 4,281 4,193 5,594 5,069 4,453 5,157 6,708 5,663 - 7,358
Net Debt
3,892 4,156 4,341 4,602 4,122 4,183 4,207 5,197 5,084 - 5,868
Capital Expenditures (CapEx)
9.52 10 8.48 9.37 4.08 6.76 4.61 8.80 6.41 - 13
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)
5,555 5,331 5,281 5,835 5,314 5,411 5,447 7,006 6,766 - 7,623
Total Depreciation and Amortization (D&A)
20 22 19 22 23 25 22 -15 -1.40 - 1.68
Earnings Adjustments
- - - - - - - - - - -
Adjusted Basic Earnings per Share
$0.49 $0.45 $0.40 $0.37 $0.44 $0.48 $0.45 $0.34 $0.46 $0.55 $0.60
Adjusted Weighted Average Basic Shares Outstanding
290.65M 290.75M 290.98M 315.59M 315.62M 309.50M 315.93M 360.16M 389.04M 363.51M 385.85M
Adjusted Diluted Earnings per Share
$0.49 $0.44 $0.40 $0.37 $0.44 $0.47 $0.44 $0.34 $0.46 $0.55 $0.59
Adjusted Weighted Average Diluted Shares Outstanding
291.72M 291.86M 292.21M 316.46M 317.33M 311.00M 321.02M 361.44M 390.50M 365.46M 388.05M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
292.62M 292.70M 318.97M 318.97M 318.97M 318.98M 319.75M 391.86M 390.77M 389.67M 386.37M
Normalized Net Operating Profit after Tax (NOPAT)
150 138 122 123 146 158 147 130 188 - 239
Normalized NOPAT Margin
32.87% 29.74% 28.22% 25.93% 30.12% 32.18% 30.61% 20.10% 26.68% - 34.44%
Pre Tax Income Margin
42.14% 36.31% 35.20% 32.90% 38.09% 37.98% 37.71% 24.05% 32.99% - 42.49%
Debt Service Ratios
- - - - - - - - - - -
EBIT to Interest Expense
0.95 0.75 0.64 0.57 0.64 0.69 0.75 0.50 0.68 - 0.97
NOPAT to Interest Expense
0.73 0.59 0.50 0.44 0.50 0.57 0.60 0.40 0.53 - 0.77
EBIT Less CapEx to Interest Expense
0.91 0.70 0.60 0.53 0.63 0.67 0.73 0.47 0.66 - 0.93
NOPAT Less CapEx to Interest Expense
0.69 0.54 0.47 0.41 0.48 0.55 0.58 0.38 0.51 - 0.72
Payout Ratios
- - - - - - - - - - -
Dividend Payout Ratio
27.68% 30.93% 32.39% 35.21% 36.20% 35.45% 34.56% 36.10% 35.48% - 31.19%
Augmented Payout Ratio
34.53% 38.55% 33.79% 36.92% 37.90% 37.10% 37.26% 39.96% 43.20% - 52.60%

Financials Breakdown Chart

Key Financial Trends

Old National Bancorp (ONB) delivered a constructive set of trends through 2025 Q4, with stronger net interest income and improving profitability alongside a sizable balance sheet expansion. The quarterly data show NII climbing in 2025, accretive earnings, and a robust equity base, but also highlight asset growth and some credit-guarded risks to monitor.

  • Net interest income (NII) rose through 2025, from about $514.8 million in Q2 to $580.8 million in Q4, signaling better core lending margins and funding efficiency.
  • Net income attributable to common shareholders climbed in Q3–Q4 2025 (about $178.5 million in Q3 and $212.6 million in Q4), reflecting growing profitability alongside rising NII.
  • Loans and leases net of allowance grew to roughly $47.3 billion by Q3 2025, indicating solid loan growth within the balance sheet.
  • Total assets expanded into the ~$71 billion range by Q3 2025, showing meaningful balance sheet growth year over year.
  • The company maintains a strong equity base, with total common equity around $8.0–8.1 billion in 2025, supporting capital adequacy and payout capacity.
  • Diluted earnings per share improved in late 2025, with ~0.55 in Q4 2025 (vs. mid-0.40s in earlier 2025 quarters), reflecting stronger profitability per share.
  • Cash dividends to common per share remained at $0.14 across 2025 quarters, signaling a stable payout policy for shareholders.
  • Operating cash flow remained positive in recent quarters, with net cash from continuing operating activities around $159.2 million in Q4 2025 and higher in Q3 2025, indicating ongoing cash generation from core earnings.
  • Total non-interest income remained reasonably consistent around the low-to-mid $100 millions in several 2025 quarters, helping diversify revenue alongside NII.
  • Revenue mix remains favorable, with continued contribution from net interest income as the primary earnings driver and a diversified set of non-interest sources.
  • Provision for credit losses spiked in Q2 2025 (about $106.8 million) before moderating in later quarters, highlighting a temporary uptick in reserves that investors may want monitored for signs of credit quality shifts.
  • Net realized and unrealized capital gains on investments fluctuated across quarters, introducing some volatility in the non-interest income line, though overall impact appears modest in 2025.
  • Accumulated other comprehensive income (AOCI) remained negative in several quarters (reflecting market-driven valuation changes), which can pressure reported equity during periods of interest-rate moves.
  • Significant year-to-date asset growth and a large funding base expansion raise sensitivity to credit quality and interest-rate shifts, potentially impacting margin sustainability if loan mix or rates worsen.
  • Quarterly non-interest expense showed variability (e.g., notable swings in 2025), which could dampen earnings if expense control tightens or if revenue growth slows.
  • A notable spike in loan loss provisions in certain mid-year periods suggests some asset-quality tension, which warrants ongoing watching in future quarters.
  • Sharp changes in balance-sheet composition (e.g., rapid asset growth to ~$71B) may imply higher working-capital and liquidity management considerations as the bank scales.

Bottom line for investors: ONB’s 2025 trajectory points to stronger core profitability driven by rising net interest income and improving quarterly earnings, supported by a solid equity base and dividend policy. However, the mid-year increase in loan loss provisions and ongoing asset growth indicate areas to watch as the bank navigates rate changes and credit conditions. For ongoing updates, MarketBeat will track quarterly NII, credit quality indicators, and capital ratios as ONB progresses through 2026.

05/06/26 11:10 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Old National Bancorp's Financials

When does Old National Bancorp's financial year end?

According to the most recent income statement we have on file, Old National Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

How has Old National Bancorp's net income changed over the last 10 years?

Old National Bancorp's net income appears to be on an upward trend, with a most recent value of $669.26 million in 2025, rising from $116.72 million in 2015. The previous period was $539.19 million in 2024.

How has Old National Bancorp's revenue changed over the last 10 years?

Over the last 10 years, Old National Bancorp's total revenue changed from $596.75 million in 2015 to $2.52 billion in 2025, a change of 323.0%.

How much debt does Old National Bancorp have?

Old National Bancorp's total liabilities were at $63.66 billion at the end of 2025, a 34.8% increase from 2024, and a 506.2% increase since 2015.

How much cash does Old National Bancorp have?

In the past 10 years, Old National Bancorp's cash and equivalents has ranged from $91.31 million in 2015 to $591.65 million in 2025, and is currently $591.65 million as of their latest financial filing in 2025.



Financial statements for NASDAQ:ONBPO last updated on 5/3/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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