ONB · Old National Bancorp /In/
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
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| 30+ day delinquencies/EOP loans | 0.29% | As of June 30, 2026 | — |
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| ACL / EOP loans | 1.21% | As of June 30, 2026 | — |
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| ACL on loans / EOP loans | 1.14% | As of June 30, 2026 | — |
| Adjusted Efficiency Ratio non-GAAP | 45.4% | Six Months Ended June 30, 2026 | — |
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| Adjusted EPS, diluted non-GAAP | $1.27 | Six Months Ended June 30, 2026 | — |
| Adjusted noninterest expense non-GAAP | $360.1M | second quarter 2026 | — |
| Adjusted PPNR non-GAAP | $715.51M | Six Months Ended June 30, 2026 | — |
| Allowance for credit losses | $612.04M | As of June 30, 2026 | — |
| Allowance for credit losses (including unfunded commitments) | $612M | second quarter 2026 | — |
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| Average loans | $49.61B | Six Months Ended June 30, 2026 | — |
| Cost of total interest-bearing deposits | 2.23% | second quarter 2026 | — |
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| Effective tax rate (adjusted FTE) non-GAAP | 23% | the quarter | — |
| Efficiency Ratio | 47.6% | Six Months Ended June 30, 2026 | — |
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| Ending allowance for credit losses on loans | $580.51M | As of June 30, 2026 | — |
| EOP loans | $50.77B | As of June 30, 2026 | — |
| Loan to deposit ratio | 91% | second quarter 2026 | — |
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| Net interest income (FTE) non-GAAP | $1.17B | Six Months Ended June 30, 2026 | — |
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| Net interest margin on a fully taxable equivalent basis non-GAAP | 3.54% | second quarter 2026 | — |
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| Nonaccrual loans | $461.7M | As of June 30, 2026 | — |
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| Period-end commercial pipeline | $5.6B | second quarter 2026 | — |
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| Period-end total deposits | $56.1B | second quarter 2026 | — |
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| Period-end total loans | $50.8B | second quarter 2026 | — |
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| PPNR non-GAAP | $705.97M | Six Months Ended June 30, 2026 | — |
| Preliminary regulatory Tier 1 capital | 11.53% | second quarter 2026 | — |
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| Preliminary regulatory Tier 1 common equity to risk-weighted assets | 11.09% | second quarter 2026 | — |
| Preliminary total risk-based capital | 13.65% | second quarter 2026 | — |
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| Return on average tangible common equity non-GAAP | 19.8% | second quarter 2026 | — |
| ROAE, adjusted non-GAAP | 11.8% | Six Months Ended June 30, 2026 | — |
| ROATCE, adjusted non-GAAP | 19.5% | Six Months Ended June 30, 2026 | — |
| Tangible common equity to risk-weighted assets | 9.9% | As of June 30, 2026 | — |
| Tangible common equity to tangible assets | 7.68% | As of June 30, 2026 | — |
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| Total classified and criticized assets | $3.1B | As of June 30, 2026 | — |
| Total commercial loan production | $3.5B | second quarter 2026 | — |
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| Total deposit costs | 1.71% | second quarter 2026 | — |
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| Total underperforming assets | $471.91M | As of June 30, 2026 | — |
| Under-performing assets/EOP assets | 0.64% | As of June 30, 2026 | — |
| Under-performing assets/EOP loans | 0.93% | As of June 30, 2026 | — |
| Net charge-offs as a percentage of average loans | 26 | first quarter 2026 | — |
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| Banking centers | 351 | Q4 2025 | — |
| Full-time equivalent employees | 5,243 | Q4 2025 | — |
| Net charge-offs to average loans excluding PCD | 16 | Q4 2025 | — |
| Nonaccrual loans to total loans | 1.07% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
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ONB
this stock
Old National Bancorp /In/
|
$10.46B | +16.1% | +6.1% | 14.0 | 4.7% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ONB | -4.3% | -1.8% | +5.2% | -2.7% | +16.1% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -3.9% | -4.7% | -6.4% | -5.7% | +3.4% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.