ONB · Old National Bancorp /In/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | $125.62M | $118.43M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $44.94M | $38.10M | $38.18M | $36.44M | $27.28M | $28.91M |
| Operating Income | $841.39M | $680.44M | $751.30M | $544.73M | $338.86M | $255.56M |
| Interest Expense | - | - | $703.67M | $126.27M | $42.25M | $67.21M |
| Income Tax | $172.14M | $141.25M | $169.31M | $116.45M | $61.32M | $29.15M |
| Net Income | $669.26M | $539.19M | $581.99M | $428.29M | $277.54M | $226.41M |
| EPS - Basic | $1.80 | $1.69 | $1.95 | $1.51 | $1.68 | $1.37 |
| EPS - Diluted | $1.79 | $1.68 | $1.94 | $1.50 | $1.67 | $1.36 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.83B | $1.23B | $1.18B | $728.41M | $822.02M | $589.71M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $72.15B | $53.55B | $49.09B | $46.76B | $24.45B | $22.96B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $63.66B | $47.21B | $43.53B | $41.63B | $21.44B | $19.99B |
| Stockholders' Equity | $8.49B | $6.34B | $5.56B | $5.13B | $3.01B | $2.97B |
| Retained Earnings | $2.41B | $1.97B | $1.62B | $1.22B | $968.01M | $783.89M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $681.47M | $622.28M | $516.34M | $814.42M | $330.38M | $219.82M |
| Investing Cash Flow | ($1.83B) | ($1.37B) | ($1.82B) | ($1.69B) | ($1.43B) | ($2.14B) |
| Financing Cash Flow | $1.75B | $802.59M | $1.75B | $777.48M | $1.33B | $2.24B |
| CapEx | $44.06M | $30.27M | $38.38M | $37.90M | $48.69M | $30.87M |
| Free Cash Flow | $637.41M | $592.01M | $477.97M | $776.52M | $281.69M | $188.95M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | 269.8% | 215.8% |
| EBITDA margin | - | - | - | - | 291.5% | 240.2% |
| Net margin | - | - | - | - | 220.9% | 191.2% |
| Free cash flow margin | - | - | - | - | 224.2% | 159.5% |
| FCF / Net income | 0.95 | 1.10 | 0.82 | 1.81 | 1.01 | 0.83 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.5% | 20.8% | 22.5% | 21.4% | 18.1% | 11.4% |
| Return on assets | 0.9% | 1.0% | 1.2% | 0.9% | 1.1% | 1.0% |
| Return on equity | 7.9% | 8.5% | 10.5% | 8.4% | 9.2% | 7.6% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 1.1x | 4.3x | 8.0x | 3.8x |
| Equity multiplier | 8.49 | 8.45 | 8.82 | 9.12 | 8.12 | 7.72 |
| Liabilities / Assets | 0.88 | 0.88 | 0.89 | 0.89 | 0.88 | 0.87 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | 0.01 | 0.01 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 12.5x | 12.9x | 8.7x | 12.0x | 10.9x | 12.2x |
| P / B | 1.0x | 1.1x | 0.9x | 1.0x | 1.0x | 0.9x |
| P / S | - | - | - | - | 23.9x | 23.2x |
| EV / EBITDA | 7.1x | 7.7x | 4.8x | 7.3x | 6.0x | 7.6x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | 6.1% | -9.5% |
| Revenue CAGR (3y) | - | - | - | - | -2.9% | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 23.7% | -9.4% | 37.9% | 60.8% | 32.6% | -12.0% |
| Net income growth (YoY) | 24.1% | -7.4% | 35.9% | 54.3% | 22.6% | -5.0% |
| EPS growth (YoY) | 6.5% | -13.4% | 29.3% | -10.2% | 22.8% | -1.4% |
| EPS CAGR (3y) | 6.1% | 0.2% | 12.6% | 2.8% | 11.0% | 25.4% |
| EPS CAGR (5y) | 5.6% | 4.0% | 9.7% | 16.8% | 9.7% | 6.3% |
| FCF growth (YoY) | 7.7% | 23.9% | -38.4% | 175.7% | 49.1% | -3.8% |
| FCF CAGR (5y) | 27.5% | 24.7% | - | 25.1% | - | 36.9% |
| Book value growth (YoY) | 34.0% | 14.0% | 8.5% | 70.3% | 1.3% | 4.2% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2021-12-31.
Product / service
$125.62M totalWealth Management Services$40.41M · 32.2%
Deposit Account$34.69M · 27.6%
Investment Advisory Management And Administrative Service$24.64M · 19.6%
Debit Card And ATMFees$20.74M · 16.5%
Merchant Processing Services$3.73M · 3.0%
Safe Deposit Box Services$999.0K · 0.8%
Gain Loss On Other Real Estate Owned$298.0K · 0.2%
Insurance Premiums And Commissions$114.0K · 0.1%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: National Commercial Banks
Comparing OLD NATIONAL BANCORP /IN/ against the 5 most active filers in the same SIC group.
Dividends
$0.43/share trailing 12 months · -24.1% YoY
| Ex-date | Per share |
|---|---|
| Mar 5, 2026 | $0.1450 |
| Dec 5, 2025 | $0.1400 |
| Sep 5, 2025 | $0.1400 |
| Jun 5, 2025 | $0.1400 |
| Mar 5, 2025 | $0.1400 |
| Dec 5, 2024 | $0.1400 |
| Sep 5, 2024 | $0.1400 |
| Jun 5, 2024 | $0.1400 |
| Mar 4, 2024 | $0.1400 |
| Nov 30, 2023 | $0.1400 |
| Aug 31, 2023 | $0.1400 |
| May 31, 2023 | $0.1400 |
| Feb 28, 2023 | $0.1400 |
| Nov 30, 2022 | $0.1400 |
| Aug 31, 2022 | $0.1400 |
| May 31, 2022 | $0.1400 |
| Mar 3, 2022 | $0.1400 |
| Dec 3, 2021 | $0.1400 |
| Aug 31, 2021 | $0.1400 |
| May 28, 2021 | $0.1400 |
| Feb 26, 2021 | $0.1400 |
| Nov 30, 2020 | $0.1400 |
| Aug 31, 2020 | $0.1400 |
| May 29, 2020 | $0.1400 |