📊 ONBPP Key Takeaways
Is Old National Bancorp /In/ (ONBPP) a Good Investment?
Old National Bancorp demonstrates strong fundamental growth with 58.9% revenue expansion and robust 20.5% net margins, supported by solid free cash flow generation of $637.4M. However, ROE of 7.9% significantly lags industry standards (typically 10-15%), suggesting acquisition-related integration headwinds and below-average capital efficiency that warrant cautious monitoring despite overall financial health.
Why Buy Old National Bancorp /In/ Stock? ONBPP Key Strengths
- Exceptional revenue growth of 58.9% YoY with consistent profitability at 25.7% operating margin
- Strong free cash flow of $637.4M (19.5% FCF margin) indicating quality earnings and cash generation capability
- Conservative balance sheet with low leverage (0.20x Debt/Equity) and manageable debt obligations
- Positive net income and EPS growth (+2.5% and +6.5% respectively) despite integration costs
ONBPP Stock Risks: Old National Bancorp /In/ Investment Risks
- ROE of 7.9% substantially below banking sector norms, indicating suboptimal capital deployment and returns
- Significant disconnect between revenue growth (58.9%) and net income growth (2.5%) signals acquisition-related margin compression or integration challenges
- Interest coverage of 3.5x provides limited buffer against interest rate declines, creating vulnerability to monetary policy shifts
- ROA of 0.9% is below average for commercial banks, suggesting lower asset productivity requiring operational improvement
Key Metrics to Watch
- Return on Equity (ROE) trajectory - critical to verify if returns normalize post-integration
- Net interest margin and deposit dynamics - essential drivers of bank profitability
- Integration progress metrics and expense synergies realization from acquisition activity
- Credit quality indicators and loan loss provisions - assess asset quality sustainability
Old National Bancorp /In/ (ONBPP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
ONBPP Profit Margin, ROE & Profitability Analysis
ONBPP vs Finance Sector: How Old National Bancorp /In/ Compares
How Old National Bancorp /In/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Old National Bancorp /In/ Stock Overvalued? ONBPP Valuation Analysis 2026
Based on fundamental analysis, Old National Bancorp /In/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Old National Bancorp /In/ Balance Sheet: ONBPP Debt, Cash & Liquidity
ONBPP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Old National Bancorp /In/'s revenue has remained relatively flat over the 5-year period, with a 5% decline. The most recent EPS of $1.94 reflects profitable operations.
ONBPP Revenue Growth, EPS Growth & YoY Performance
ONBPP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2021 | $30.0M | $22.6M | $0.43 |
| Q2 2021 | $27.8M | $22.6M | $0.32 |
| Q1 2021 | $30.2M | $22.6M | $0.13 |
| Q3 2020 | $30.0M | $22.6M | $0.41 |
| Q2 2020 | $27.8M | $22.6M | $0.32 |
| Q1 2020 | $31.0M | $22.6M | $0.13 |
| Q3 2019 | $31.2M | $38.1M | $0.34 |
| Q2 2019 | $32.3M | $38.8M | $0.29 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Old National Bancorp /In/ Dividends, Buybacks & Capital Allocation
ONBPP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Old National Bancorp /In/ (CIK: 0000707179)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ONBPP
What is the AI rating for ONBPP?
Old National Bancorp /In/ (ONBPP) has an AI rating of BUY with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are ONBPP's key strengths?
Claude: Exceptional revenue growth of 58.9% YoY with consistent profitability at 25.7% operating margin. Strong free cash flow of $637.4M (19.5% FCF margin) indicating quality earnings and cash generation capability.
What are the risks of investing in ONBPP?
Claude: ROE of 7.9% substantially below banking sector norms, indicating suboptimal capital deployment and returns. Significant disconnect between revenue growth (58.9%) and net income growth (2.5%) signals acquisition-related margin compression or integration challenges.
What is ONBPP's revenue and growth?
Old National Bancorp /In/ reported revenue of $3.3B.
Does ONBPP pay dividends?
Old National Bancorp /In/ pays dividends, with $225.1M distributed to shareholders in the trailing twelve months.
Where can I find ONBPP SEC filings?
Official SEC filings for Old National Bancorp /In/ (CIK: 0000707179) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ONBPP's EPS?
Old National Bancorp /In/ has a diluted EPS of $1.79.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is ONBPP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Old National Bancorp /In/ has a BUY rating with 68% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is ONBPP stock overvalued or undervalued?
Valuation metrics for ONBPP: ROE of 7.9% (sector avg: 12%), net margin of 20.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy ONBPP stock in 2026?
Our dual AI analysis gives Old National Bancorp /In/ a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is ONBPP's free cash flow?
Old National Bancorp /In/'s operating cash flow is $681.5M, with capital expenditures of $44.1M. FCF margin is 19.5%.
How does ONBPP compare to other Finance stocks?
Vs Finance sector averages: Net margin 20.5% (avg: 25%), ROE 7.9% (avg: 12%), current ratio N/A (avg: 1.2).