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Old National Bancorp (ONBPP) Financials

Old National Bancorp logo
$25.06 -0.02 (-0.10%)
As of 07/31/2026 04:00 PM Eastern
This is a fair market value price provided by Massive. Learn more.
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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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 128 116 117 140 150 141 121 179 213 230 249
Consolidated Net Income / (Loss)		 132 120 121 144 154 145 125 183 217 234 253
Net Income / (Loss) Continuing Operations		 132 120 121 144 154 145 125 183 217 234 253
Total Pre-Tax Income 		169 153 156 185 186 182 156 233 272 295 324
Total Revenue		 465 434 476 486 490 481 647 705 691 695 733
Net Interest Income / (Expense)		 364 356 388 392 394 388 515 575 581 573 579
Total Interest Income		 590 596 664 680 662 630 825 917 897 877 894
Loans and Leases Interest Income		 481 487 546 561 545 516 659 732 715 696 712
Investment Securities Interest Income		 95 99 107 107 104 106 152 173 170 170 171
Deposits and Money Market Investments Interest Income		 14 9.99 11 12 13 8.82 15 12 12 11 11
Total Interest Expense		 225 240 275 288 268 243 310 343 316 305 315
Deposits Interest Expense		 173 185 216 230 215 190 240 273 250 233 238
Long-Term Debt Interest Expense		 51 52 57 58 52 50 68 67 66 71 77
Federal Funds Purchased and Securities Sold Interest Expense		 0.92 1.88 2.63 0.90 0.61 2.18 1.59 2.55 0.70 0.62 0.95
Total Non-Interest Income		 100 78 87 94 96 94 133 130 110 122 154
Trust Fees by Commissions		 28 28 29 29 30 30 36 40 39 40 42
Service Charges on Deposit Accounts		 19 18 19 20 21 21 24 28 28 27 28
Other Service Charges		 24 25 28 32 34 33 59 43 23 37 63
Net Realized & Unrealized Capital Gains on Investments		 21 -0.02 0.00 -0.08 -0.12 -0.08 -0.04 0.01 0.07 0.08 -0.03
Other Non-Interest Income		 9.19 6.33 10 13 12 9.89 14 20 20 19 21
Provision for Credit Losses		 12 19 36 28 27 31 107 27 33 35 36
Total Non-Interest Expense		 284 262 283 272 277 268 385 446 386 365 372
Salaries and Employee Benefits		 142 150 159 147 147 148 202 211 187 184 185
Net Occupancy & Equipment Expense		 56 56 59 60 60 60 74 83 80 78 74
Marketing Expense		 11 11 11 11 13 12 14 15 14 16 16
Property & Liability Insurance Claims		 28 11 9.68 12 12 9.70 13 14 11 14 14
Other Operating Expenses		 35 27 33 31 33 28 56 89 57 40 52
Amortization Expense		 5.87 5.46 7.43 7.41 7.24 6.83 20 26 26 26 24
Other Special Charges		 7.20 2.75 2.75 3.28 4.56 3.42 5.82 7.06 9.82 7.11 7.81
Income Tax Expense		 36 32 35 41 32 37 30 50 55 62 71
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		 $0.45 $0.40 $0.37 $0.44 $0.48 $0.45 $0.34 $0.46 $0.55 $0.60 $0.65
Weighted Average Basic Shares Outstanding		 290.75M 290.98M 315.59M 315.62M 309.50M 315.93M 360.16M 389.04M 363.51M 385.85M 381.86M
Diluted Earnings per Share		 $0.44 $0.40 $0.37 $0.44 $0.47 $0.44 $0.34 $0.46 $0.55 $0.59 $0.65
Weighted Average Diluted Shares Outstanding		 291.86M 292.21M 316.46M 317.33M 311.00M 321.02M 361.44M 390.50M 365.46M 388.05M 383.27M
Weighted Average Basic & Diluted Shares Outstanding		 292.70M 318.97M 318.97M 318.97M 318.98M 319.75M 391.86M 390.77M 389.67M 386.37M 382.57M
Cash Dividends to Common per Share		 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.15 $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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -488 -236 294 -41 36 12 569 -126 144 -72 14
Net Cash From Operating Activities		 73 104 161 121 236 108 73 341 159 206 280
Net Cash From Continuing Operating Activities		 73 104 161 121 236 108 73 341 159 206 280
Net Income / (Loss) Continuing Operations		 132 120 121 144 154 145 125 183 217 234 253
Consolidated Net Income / (Loss)		 132 120 121 144 154 145 125 183 217 234 253
Provision For Loan Losses		 12 19 36 28 27 31 107 27 33 35 36
Depreciation Expense		 10 9.68 9.27 9.50 9.66 9.55 11 12 13 12 12
Amortization Expense		 12 9.34 13 14 15 1.89 -26 -13 -9.68 -11 -10
Non-Cash Adjustments to Reconcile Net Income		 -28 -3.05 -22 -16 16 7.96 -22 -0.68 30 3.21 6.52
Changes in Operating Assets and Liabilities, net		 -65 -51 4.13 -58 14 -87 -122 134 -124 -67 -18
Net Cash From Investing Activities		 -257 -766 -191 -298 -117 -271 -414 -451 -699 -1,083 -1,174
Net Cash From Continuing Investing Activities		 -257 -766 -191 -298 -117 -271 -414 -451 -699 -1,083 -1,174
Purchase of Property, Leasehold Improvements and Equipment		 -10 -8.48 -9.37 -5.67 -6.76 -5.80 -8.80 -7.59 -22 -13 -4.38
Purchase of Investment Securities		 -869 -1,127 -890 -593 -468 -682 -3,157 -886 -1,346 -1,999 -1,878
Sale of Property, Leasehold Improvements and Equipment		 - 0.00 - 1.59 - 1.19 - 1.18 - 0.15 0.19
Sale and/or Maturity of Investments		 622 369 531 299 357 416 2,554 503 669 929 708
Net Cash From Financing Activities		 -304 426 323 135 -82 174 910 -16 683 805 908
Net Cash From Continuing Financing Activities		 -304 426 323 135 -82 174 910 -16 683 805 908
Net Change in Deposits		 -17 464 -261 847 -22 211 442 667 82 584 474
Issuance of Debt		 250 750 950 -300 - 301 1,150 475 800 2,075 1,450
Issuance of Common Equity		 0.28 0.27 0.27 0.25 0.25 0.25 443 0.27 0.32 0.33 0.34
Repayment of Debt		 -491 -786 -483 -252 99 -297 -1,399 -734 -159 -1,791 -895
Repurchase of Common Equity		 -0.04 -7.18 -1.28 -0.29 -0.14 -14 -7.96 -25 -25 -104 -115
Payment of Dividends		 -45 -45 -49 -49 -49 -49 -59 -59 -59 -60 -60
Other Financing Activities, Net		 -0.53 50 166 -111 -111 21 340 -340 43 100 54
Cash Interest Paid		 - 242 271 285 - 258 321 346 - 308 307
Cash Income Taxes Paid		 - 2.43 36 16 - 2.17 42 10 - 11 42

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 47,843 48,497 49,059 49,535 53,120 53,602 53,878 70,980 71,210 73,003 74,189
Cash and Due from Banks		 387 473 381 351 429 498 486 638 492 537 589
Interest Bearing Deposits at Other Banks		 727 725 1,282 589 804 693 754 1,171 1,191 1,217 1,180
Trading Account Securities		 6,759 6,572 6,485 6,896 10,244 10,553 10,829 14,130 11,625 14,488 14,602
Loans and Leases, Net of Allowance		 31,524 32,132 32,274 33,304 35,784 36,020 36,012 47,338 47,396 49,157 50,192
Loans and Leases		 31,822 32,432 32,578 33,623 36,151 36,401 36,414 47,903 47,968 49,732 50,773
Allowance for Loan and Lease Losses		 299 301 304 320 366 381 402 565 572 574 581
Premises and Equipment, Net		 567 564 566 564 602 600 585 683 692 690 682
Goodwill		 1,999 1,999 1,999 1,999 2,171 2,177 2,175 2,410 2,419 2,430 2,430
Intangible Assets		 120 114 108 97 135 128 114 534 508 457 433
Other Assets		 5,750 5,803 5,843 5,736 2,951 2,933 2,923 4,076 6,888 4,027 4,083
Total Liabilities & Shareholders' Equity		 47,843 48,497 49,059 49,535 53,120 53,602 53,878 70,980 71,210 73,003 74,189
Total Liabilities		 42,565 43,205 43,820 43,940 47,045 47,235 47,343 62,853 62,901 64,492 65,606
Non-Interest Bearing Deposits		 10,995 10,533 10,091 9,258 9,336 9,429 9,186 12,653 12,692 12,927 12,665
Interest Bearing Deposits		 23,923 25,698 27,161 28,442 30,663 31,416 31,848 41,705 42,315 42,745 43,481
Federal Funds Purchased and Securities Sold		 619 136 0.92 50 250 135 0.17 340 0.00 201 250
Short-Term Debt		 1,140 1,127 1,143 1,088 241 245 290 298 1,103 265 265
Long-Term Debt		 4,982 4,771 4,413 4,193 5,594 5,069 5,157 6,708 5,663 7,358 7,908
Other Long-Term Liabilities		 907 939 1,011 909 960 940 862 1,150 1,128 996 1,035
Total Equity & Noncontrolling Interests		 5,277 5,292 5,240 5,595 6,075 6,367 6,535 8,126 8,309 8,511 8,584
Total Preferred & Common Equity		 5,277 5,292 5,240 5,595 6,075 6,367 6,535 8,126 8,309 8,511 8,584
Preferred Stock		 231 231 231 231 231 231 231 231 231 231 231
Total Common Equity		 5,047 5,062 5,009 5,365 5,845 6,137 6,304 7,896 8,079 8,280 8,353
Common Stock		 4,437 4,442 4,447 4,451 4,870 4,880 4,891 6,368 6,352 6,241 6,136
Retained Earnings		 1,319 1,429 1,531 1,694 1,766 1,861 2,061 2,127 2,251 2,582 2,775
Accumulated Other Comprehensive Income / (Loss)		 -708 -809 -969 -780 -791 -604 -649 -600 -524 -543 -558

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 389,673,000.00 386,373,000.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 389,673,000.00 386,373,000.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.60 0.66
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -16.48% -4.02% 2.56% 6.54% 5.48% 10.94% 36.08% 45.12% - 44.34% 13.17%
EBITDA Growth		 -33.78% -18.08% -20.40% -1.80% 10.65% 18.75% -14.87% 18.57% - 53.86% 115.13%
EBIT Growth		 -35.63% -18.75% -22.70% -3.69% 10.34% 18.85% -0.49% 25.67% - 62.63% 108.20%
NOPAT Growth		 -34.00% -17.95% -21.81% -2.76% 16.15% 20.26% 3.45% 26.96% - 61.53% 102.07%
Net Income Growth		 -34.00% -17.95% -21.81% -2.76% 16.15% 20.26% 3.45% 26.96% - 61.53% 102.07%
EPS Growth		 -43.59% -18.37% -28.85% -10.20% 6.82% 10.00% -8.11% 4.55% - 34.09% 91.18%
Operating Cash Flow Growth		 -42.71% 94.14% -0.03% -46.98% 223.72% 3.82% -54.73% 181.24% - 90.50% 284.50%
Free Cash Flow Firm Growth		 85.55% 138.41% 61.94% 57.31% -12.14% -249.40% -417.11% -332.47% - -307.82% 55.70%
Invested Capital Growth		 7.50% -4.59% 6.44% 8.21% 7.87% 10.16% 27.05% 29.06% - 34.65% 10.74%
Revenue Q/Q Growth		 1.86% -6.57% 9.61% 2.14% 0.84% -1.74% 34.45% 8.92% - 0.63% 5.42%
EBITDA Q/Q Growth		 -10.25% -9.82% 3.78% 16.91% 1.13% -3.22% -31.06% 64.39% - 8.11% 9.86%
EBIT Q/Q Growth		 -12.23% -9.43% 2.43% 18.28% 0.55% -2.44% -14.24% 49.38% - 8.74% 9.79%
NOPAT Q/Q Growth		 -10.41% -9.21% 0.79% 18.62% 7.00% -5.99% -13.31% 45.58% - 7.87% 8.45%
Net Income Q/Q Growth		 -10.41% -9.21% 0.79% 18.62% 7.00% -5.99% -13.31% 45.58% - 7.87% 8.45%
EPS Q/Q Growth		 -10.20% -9.09% -7.50% 18.92% 6.82% -6.38% -22.73% 35.29% - 7.27% 10.17%
Operating Cash Flow Q/Q Growth		 -68.17% 43.12% 54.44% -24.64% 94.33% -54.10% -32.65% 368.14% - 29.50% 35.94%
Free Cash Flow Firm Q/Q Growth		 63.91% 202.44% -193.13% -24.02% 5.21% -36.47% -222.33% -3.72% - -1.04% 64.99%
Invested Capital Q/Q Growth		 0.92% -0.16% 9.51% -1.92% 0.60% 1.96% 26.30% -0.37% - 1.81% 3.87%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.01% 39.58% 37.48% 42.90% 43.02% 42.37% 21.73% 32.79% - 42.73% 44.53%
EBIT Margin		 36.31% 35.20% 32.90% 38.09% 37.98% 37.71% 24.05% 32.99% - 42.49% 44.25%
Profit (Net Income) Margin		 28.52% 27.72% 25.48% 29.60% 31.41% 30.05% 19.37% 25.89% - 33.63% 34.59%
Tax Burden Percent		 78.54% 78.73% 77.47% 77.70% 82.68% 79.67% 80.54% 78.49% - 79.14% 78.17%
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		 21.46% 21.27% 22.53% 22.30% 17.32% 20.33% 19.46% 21.51% - 20.86% 21.83%
Return on Invested Capital (ROIC)		 4.98% 4.53% 4.04% 4.90% 5.23% 5.08% 3.02% 4.50% - 6.55% 6.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.98% 4.53% 4.04% 4.90% 5.23% 5.08% 3.02% 4.50% - 6.55% 6.13%
Return on Net Nonoperating Assets (RNNOA)		 4.82% 4.75% 4.17% 4.59% 4.72% 4.49% 2.73% 3.70% - 5.69% 5.56%
Return on Equity (ROE)		 9.80% 9.27% 8.21% 9.49% 9.95% 9.58% 5.74% 8.20% - 12.24% 11.69%
Cash Return on Invested Capital (CROIC)		 -1.70% 9.68% -1.72% -3.28% -2.81% -4.74% -19.63% -20.84% - -24.14% -4.63%
Operating Return on Assets (OROA)		 1.39% 1.31% 1.18% 1.38% 1.40% 1.41% 0.82% 1.23% - 1.83% 1.72%
Return on Assets (ROA)		 1.09% 1.04% 0.92% 1.07% 1.15% 1.12% 0.66% 0.96% - 1.45% 1.35%
Return on Common Equity (ROCE)		 9.38% 8.88% 7.87% 9.11% 9.56% 9.21% 5.56% 7.94% - 11.86% 11.37%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.93% 8.59% 8.13% 0.00% 8.62% 6.99% 7.30% - 8.91% 10.32%
Net Operating Profit after Tax (NOPAT)		 132 120 121 144 154 145 125 183 - 234 253
NOPAT Margin		 28.52% 27.72% 25.48% 29.60% 31.41% 30.05% 19.37% 25.89% - 33.63% 34.59%
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		 44.83% 49.81% 48.29% 45.05% 44.85% 45.74% 44.85% 43.93% - 40.09% 37.48%
Operating Expenses to Revenue		 61.19% 60.44% 59.49% 56.04% 56.50% 55.76% 59.44% 63.22% - 52.48% 50.80%
Earnings before Interest and Taxes (EBIT)		 169 153 156 185 186 182 156 233 - 295 324
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 191 172 178 208 211 204 141 231 - 297 326
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.90 0.94 0.94 0.89 1.13 1.07 0.86 1.06 - 1.04 1.20
Price to Tangible Book Value (P/TBV)		 1.48 1.55 1.55 1.43 1.82 1.68 1.38 1.67 - 1.60 1.82
Price to Revenue (P/Rev)		 2.61 2.78 3.00 2.94 3.67 3.50 3.24 3.70 - 3.15 3.54
Price to Earnings (P/E)		 8.47 9.36 10.84 10.89 13.24 12.35 12.37 14.57 - 11.60 11.50
Dividend Yield		 3.42% 3.24% 3.26% 3.00% 2.58% 2.64% 2.62% 2.55% - 2.56% 2.20%
Earnings Yield		 11.80% 10.68% 9.22% 9.18% 7.56% 8.10% 8.08% 6.86% - 8.62% 8.70%
Enterprise Value to Invested Capital (EV/IC)		 0.84 0.88 0.87 0.84 0.96 0.93 0.81 0.92 - 0.91 0.99
Enterprise Value to Revenue (EV/Rev)		 5.00 5.29 5.64 5.28 6.01 5.79 5.82 5.99 - 5.37 5.90
Enterprise Value to EBITDA (EV/EBITDA)		 10.98 12.05 13.70 13.10 14.74 13.97 15.77 17.11 - 15.41 14.74
Enterprise Value to EBIT (EV/EBIT)		 12.22 13.44 15.39 14.80 16.66 15.79 17.29 18.41 - 15.40 14.81
Enterprise Value to NOPAT (EV/NOPAT)		 15.77 17.32 19.77 18.95 21.03 19.87 21.58 22.94 - 19.40 18.78
Enterprise Value to Operating Cash Flow (EV/OCF)		 17.78 16.98 18.20 21.37 18.22 17.88 22.76 18.36 - 18.87 16.87
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 8.92 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.96 0.94 0.96 0.83 0.85 0.83 0.86 0.81 - 0.90 0.95
Long-Term Debt to Equity		 0.77 0.75 0.92 0.80 0.70 0.79 0.83 0.68 - 0.86 0.92
Financial Leverage		 0.97 1.05 1.03 0.94 0.90 0.88 0.90 0.82 - 0.87 0.91
Leverage Ratio		 8.97 8.96 8.94 8.84 8.62 8.53 8.74 8.50 - 8.43 8.69
Compound Leverage Factor		 8.97 8.96 8.94 8.84 8.62 8.53 8.74 8.50 - 8.43 8.69
Debt to Total Capital		 48.93% 48.55% 48.99% 45.49% 46.05% 45.46% 46.30% 44.88% - 47.25% 48.78%
Short-Term Debt to Total Capital		 9.64% 10.00% 2.02% 2.09% 8.16% 2.42% 1.97% 7.32% - 1.64% 1.58%
Long-Term Debt to Total Capital		 39.30% 38.55% 46.97% 43.40% 37.89% 43.04% 44.33% 37.57% - 45.61% 47.19%
Preferred Equity to Total Capital		 2.12% 2.12% 1.94% 1.97% 1.96% 1.92% 1.52% 1.53% - 1.43% 1.38%
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		 48.95% 49.33% 49.07% 52.54% 51.99% 52.62% 52.18% 53.59% - 51.32% 49.85%
Debt to EBITDA		 6.37 6.61 7.75 7.09 7.03 6.80 9.02 8.32 - 7.99 7.24
Net Debt to EBITDA		 4.97 5.44 6.11 5.50 5.44 5.25 6.69 6.25 - 6.15 5.67
Long-Term Debt to EBITDA		 5.12 5.25 7.43 6.77 5.79 6.43 8.63 6.96 - 7.71 7.00
Debt to NOPAT		 9.16 9.50 11.18 10.26 10.04 9.67 12.34 11.16 - 10.05 9.22
Net Debt to NOPAT		 7.14 7.81 8.82 7.96 7.76 7.47 9.15 8.38 - 7.74 7.23
Long-Term Debt to NOPAT		 7.36 7.55 10.72 9.79 8.26 9.15 11.82 9.34 - 9.70 8.92
Noncontrolling Interest Sharing Ratio		 4.31% 4.24% 4.06% 3.97% 3.87% 3.80% 3.25% 3.14% - 3.06% 2.76%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -628 643 -599 -743 -704 -961 -3,097 -3,212 - -3,918 -1,372
Operating Cash Flow to CapEx		 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% 6,696.15%
Free Cash Flow to Firm to Interest Expense		 -2.79 2.68 -2.18 -2.58 -2.63 -3.96 -9.98 -9.38 - -12.85 -4.35
Operating Cash Flow to Interest Expense		 0.32 0.44 0.58 0.42 0.88 0.45 0.24 1.00 - 0.68 0.89
Operating Cash Flow Less CapEx to Interest Expense		 0.28 0.40 0.55 0.41 0.85 0.43 0.21 0.98 - 0.63 0.88
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.04 - 0.04 0.04
Fixed Asset Turnover		 3.27 3.22 3.14 3.19 3.27 3.37 3.28 3.60 - 4.29 4.14
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 10,894 10,876 11,910 11,681 11,752 11,982 15,132 15,076 - 16,133 16,757
Invested Capital Turnover		 0.17 0.16 0.16 0.17 0.17 0.17 0.16 0.17 - 0.19 0.18
Increase / (Decrease) in Invested Capital		 760 -523 720 887 858 1,105 3,222 3,395 - 4,152 1,625
Enterprise Value (EV)		 9,181 9,623 10,316 9,815 11,337 11,197 12,251 13,915 - 14,711 16,643
Market Capitalization		 4,794 5,051 5,483 5,462 6,923 6,759 6,823 8,601 - 8,612 10,007
Book Value per Share		 $18.22 $18.44 $18.32 $20.97 $19.15 $19.76 $24.69 $20.62 - $21.25 $21.62
Tangible Book Value per Share		 $11.04 $11.24 $11.09 $13.09 $11.96 $12.59 $15.49 $13.15 - $13.84 $14.21
Total Capital		 10,894 10,876 11,910 11,681 11,752 11,982 15,132 15,076 - 16,133 16,757
Total Debt		 5,331 5,281 5,835 5,314 5,411 5,447 7,006 6,766 - 7,623 8,174
Total Long-Term Debt		 4,281 4,193 5,594 5,069 4,453 5,157 6,708 5,663 - 7,358 7,908
Net Debt		 4,156 4,341 4,602 4,122 4,183 4,207 5,197 5,084 - 5,868 6,405
Capital Expenditures (CapEx)		 10 8.48 9.37 4.08 6.76 4.61 8.80 6.41 - 13 4.19
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)		 5,331 5,281 5,835 5,314 5,411 5,447 7,006 6,766 - 7,623 8,174
Total Depreciation and Amortization (D&A)		 22 19 22 23 25 22 -15 -1.40 - 1.68 2.03
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.45 $0.40 $0.37 $0.44 $0.48 $0.45 $0.34 $0.46 $0.55 $0.60 $0.65
Adjusted Weighted Average Basic Shares Outstanding		 290.75M 290.98M 315.59M 315.62M 309.50M 315.93M 360.16M 389.04M 363.51M 385.85M 381.86M
Adjusted Diluted Earnings per Share		 $0.44 $0.40 $0.37 $0.44 $0.47 $0.44 $0.34 $0.46 $0.55 $0.59 $0.65
Adjusted Weighted Average Diluted Shares Outstanding		 291.86M 292.21M 316.46M 317.33M 311.00M 321.02M 361.44M 390.50M 365.46M 388.05M 383.27M
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		 292.70M 318.97M 318.97M 318.97M 318.98M 319.75M 391.86M 390.77M 389.67M 386.37M 382.57M
Normalized Net Operating Profit after Tax (NOPAT)		 138 122 123 146 158 147 130 188 - 239 260
Normalized NOPAT Margin		 29.74% 28.22% 25.93% 30.12% 32.18% 30.61% 20.10% 26.68% - 34.44% 35.43%
Pre Tax Income Margin		 36.31% 35.20% 32.90% 38.09% 37.98% 37.71% 24.05% 32.99% - 42.49% 44.25%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.75 0.64 0.57 0.64 0.69 0.75 0.50 0.68 - 0.97 1.03
NOPAT to Interest Expense		 0.59 0.50 0.44 0.50 0.57 0.60 0.40 0.53 - 0.77 0.80
EBIT Less CapEx to Interest Expense		 0.70 0.60 0.53 0.63 0.67 0.73 0.47 0.66 - 0.93 1.01
NOPAT Less CapEx to Interest Expense		 0.54 0.47 0.41 0.48 0.55 0.58 0.38 0.51 - 0.72 0.79
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 30.93% 32.39% 35.21% 36.20% 35.45% 34.56% 36.10% 35.48% - 31.19% 26.77%
Augmented Payout Ratio		 38.55% 33.79% 36.92% 37.90% 37.10% 37.26% 39.96% 43.20% - 52.60% 57.20%

Financials Breakdown Chart

Key Financial Trends

Old National Bancorp (NASDAQ: ONB) has posted a solid improvement in profitability over the last year, but the story is mixed because the bank has also leaned on debt and seen some pressure in funding costs and credit expenses. Revenue has held fairly steady while earnings have moved higher, supported by better net interest income and continued loan growth.

What stands out most: ONB’s quarterly net income rose from $144.7 million in Q1 2025 to $216.6 million in Q4 2025 and $233.7 million in Q1 2026. At the same time, diluted EPS improved from $0.44 in Q1 2025 to $0.59 in Q1 2026, showing that profitability is trending in the right direction.

  • Net interest income improved year over year. Q1 2026 net interest income was $572.6 million, up from $387.6 million in Q1 2025, reflecting stronger earning-asset growth.
  • Loan balances expanded meaningfully. Loans and leases rose to $49.7 billion in Q1 2026 from $36.4 billion in Q1 2025, which is a strong sign of business growth.
  • Quarterly earnings have trended higher. Net income attributable to common shareholders increased to $229.6 million in Q1 2026, versus $140.6 million a year earlier.
  • Operating cash flow remains healthy. Q1 2026 operating cash flow was $206.1 million, which helps support dividends and balance-sheet flexibility.
  • Deposit growth helped fund the balance sheet. Q1 2026 showed a $584.3 million increase in deposits, indicating the bank continues to attract funding.
  • Non-interest income is stable but not a major growth engine. Q1 2026 non-interest income of $122.3 million was only modestly above Q1 2025 levels, so the bank is still mainly relying on spread income.
  • Expenses remain substantial. Q1 2026 non-interest expense of $364.7 million stayed high, though it was better than the prior quarter’s $386.3 million.
  • Credit costs are manageable but not negligible. The Q1 2026 provision for credit losses was $34.9 million, roughly in line with recent quarters, suggesting loan-loss pressure is present but not extreme.
  • Funding costs are still elevated. Deposits interest expense in Q1 2026 was $233.3 million, which continues to pressure margins even as revenue improves.
  • Balance-sheet leverage remains meaningful. Total liabilities were $64.5 billion against $73.0 billion in assets, and long-term debt stood at $7.4 billion, so the bank still carries a significant funding load.

Over a longer lens, ONB has clearly grown its asset base and loan portfolio since early 2024, but it has also taken on more debt and moved through periods of rising expenses and credit provisions. The encouraging part is that earnings have accelerated faster than revenue, which suggests management is getting better leverage from the business.

Bottom line: Old National Bancorp appears to be in a phase of improving profitability and steady core growth, but investors should keep an eye on funding costs, credit quality, and the bank’s debt-heavy balance sheet. If margins hold up and loan growth stays disciplined, the recent earnings trend could continue.

08/03/26 09:17 AM ETAI Generated. May Contain Errors.

Old National Bancorp Financials - Frequently Asked Questions

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

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.

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%.

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.

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.


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Financial statements for NASDAQ:ONBPP last updated on 7/29/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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