You came from your AI assistant. Add Equibles to it and ask about this data directly, free.
Old National Bancorp declared a $0.145 per-share common dividend payable December 15, 2026, plus $17.50 per-share dividends on 7.0% Series A and Series C preferred stock payable February 20, 2027.
Old National reported third quarter 2026 net income of $250.0 million, or $0.66 per diluted common share. Deposits reached $57.6 billion and loans reached $51.1 billion, while noninterest expense decreased $16.8 million from the second quarter of 2026.
Old National reported record third-quarter EPS of 66 cents and maintained 2026 guidance for EPS growth exceeding 15% and loan growth of 6% to 8%, while full-year NII and expenses are expected near the lower ends of their ranges.
Old National Bancorp reported record third quarter 2026 net income applicable to common shares of $250.0 million and diluted EPS of $0.66. Period-end deposits reached $57.6 billion, loans $51.2 billion, and preliminary regulatory Tier 1 common equity to risk-weighted assets was 11.11%.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
TL;DR. Old National delivered record earnings, strong deposit and loan growth, record adjusted efficiency, capital returns, and unchanged full-year guidance for more than 15% EPS growth. Offsetting risks included NIM contraction, lower-end full-year NII expectations, higher deposit costs, softer mortgage fees, higher net charge-offs, AOCI pressure on tangible common equity, and a reduced commercial pipeline.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| 30+ day delinquencies as a percentage of loans | 0.25% | third quarter 2026 | — |
| ACL / EOP loans | 1.2% | Three Months Ended September 30, 2026 | — |
| ACL on loans / EOP loans | 1.13% | Three Months Ended September 30, 2026 | — |
| Adjusted Efficiency Ratio non-GAAP | 45.3% | Nine Months Ended September 30, 2026 | — |
| adjusted noninterest expense non-GAAP | 354.7M | third quarter 2026 | — |
| Adjusted PPNR non-GAAP | 1.08B | Nine Months Ended September 30, 2026 | — |
| allowance for credit losses | 611.5M | third quarter 2026 | — |
| allowance for credit losses as a percentage of total loans | 1.2% | third quarter 2026 | — |
| Average loans | 51.04B | Three Months Ended September 30, 2026 | — |
| average total deposits | 56.9B | third quarter 2026 | — |
| Average total loans | 51.1B | third quarter 2026 | — |
| combined payout ratio | 62% | third quarter 2026 | — |
| commercial and industrial growth | 148M | third quarter 2026 | — |
| commercial real estate growth | 157.3M | third quarter 2026 | — |
| common stock repurchased | 100M | third quarter 2026 | — |
| Cost of total deposits | 1.79% | third quarter 2026 | — |
| cost of total interest-bearing deposits | 2.31% | third quarter 2026 | — |
| Efficiency Ratio non-GAAP | 47.1% | Nine Months Ended September 30, 2026 | — |
|
|
|||
| EOP loans | 51.15B | Three Months Ended September 30, 2026 | — |
| Equity to assets (averages) non-GAAP | 11.52% | September 30, 2026 | — |
| FTE adjustment non-GAAP | $23.03M | Nine Months Ended September 30, 2026 | — |
| loan to deposit ratio | 89% | third quarter 2026 | — |
| Net charge-offs | 34.1M | third quarter 2026 | — |
| net charge-offs to average loans | 27 | third quarter 2026 | — |
|
|
|||
| net charge-offs to average loans excluding PCD loans that had an allowance at acquisition | 24 | third quarter 2026 | — |
| Net interest income - tax equivalent basis non-GAAP | $1.76B | Nine Months Ended September 30, 2026 | — |
|
|
|||
| Net interest margin (FTE) non-GAAP | 3.53% | Nine Months Ended September 30, 2026 | — |
| Net interest rate spread | 2.95% | Nine Months Ended September 30, 2026 | — |
| Nonaccrual loans | 470.2M | Three Months Ended September 30, 2026 | — |
| Nonaccrual loans to EOP loans | 0.92% | Nine Months Ended September 30, 2026 | — |
| Period-end commercial pipeline | 4.4B | third quarter 2026 | — |
| Period-end total deposits | 57.6B | third quarter 2026 | — |
| Period-end total deposits growth | 10.6% | third quarter 2026 | — |
| Period-end total loans | 51.2B | third quarter 2026 | — |
| Period-end total loans growth | 2.9% | third quarter 2026 | — |
| PPNR non-GAAP | 1.07B | Nine Months Ended September 30, 2026 | — |
| Preliminary regulatory Tier 1 common equity to risk-weighted assets | 11.11% | third quarter 2026 | — |
|
|
|||
| ROAE non-GAAP | 11.7% | Nine Months Ended September 30, 2026 | — |
|
|
|||
| ROATCE non-GAAP | 19.3% | Nine Months Ended September 30, 2026 | — |
|
|
|||
| ROATCE, adjusted non-GAAP | 19.5% | Nine Months Ended September 30, 2026 | — |
| shares of common stock repurchased | 3.9M | third quarter 2026 | — |
| Tangible book value non-GAAP | $13.77 | Three Months Ended September 30, 2026 | — |
| Tangible common equity to risk-weighted assets3 non-GAAP | 9.25% | As of September 30, 2026 | — |
| Tangible common equity to tangible assets non-GAAP | 7.28% | As of September 30, 2026 | — |
|
|
|||
| Total classified and criticized assets | 2.83B | Three Months Ended September 30, 2026 | — |
| Total underperforming assets | 477.16M | Three Months Ended September 30, 2026 | — |
| Under-performing assets/EOP assets | 0.64% | Three Months Ended September 30, 2026 | — |
| Under-performing assets/EOP loans | 0.93% | Three Months Ended September 30, 2026 | — |
| Allowance for credit losses on loans to ending loans | 1.14% | three months ended June 30, 2026 filing | — |
| Allowance for credit losses to ending loans | 1.21% | three months ended June 30, 2026 filing | — |
| Annualized, net charge-offs to average loans excluding PCD loans | 0.22% | the three months ended June 30, 2026 filing | — |
| Average earning assets | 7.3B | three months ended June 30, 2026 filing | — |
| average interest-bearing deposits | 4.4B | three months ended June 30, 2026 filing | — |
| Average loans, including loans held-for-sale | 6B | three months ended June 30, 2026 filing | — |
| Average noninterest-bearing deposits | 1.3B | three months ended June 30, 2026 filing | — |
| Banking centers | 346 | three months ended June 30, 2026 filing | — |
| BBCC | 486K | Three Months Ended June 30, 2026 filing | — |
| Commercial | 19.64M | Three Months Ended June 30, 2026 filing | — |
| Commercial real estate | 18.16M | Three Months Ended June 30, 2026 filing | — |
| Common dividend payout ratio (2) | 22% | the three months ended June 30, 2026 filing | — |
| cost of interest-bearing liabilities | 25 | three months ended June 30, 2026 filing | — |
| Direct | 1.74M | Three Months Ended June 30, 2026 filing | — |
| Full-time equivalent employees | 4,914 | three months ended June 30, 2026 filing | — |
| Home equity | 57K | Three Months Ended June 30, 2026 filing | — |
| Indirect | 1.4M | Three Months Ended June 30, 2026 filing | — |
| Less: tax effect on net total adjustments non-GAAP | 2.09M | three months ended June 30, 2026 filing | — |
| Leverage ratio (to average assets) | 8.95% | three months ended June 30, 2026 filing | — |
| Merger-related charges non-GAAP | 12.11M | three months ended June 30, 2026 filing | — |
| Merger-related costs associated with the Bremer acquisition | 12M | three months ended June 30, 2026 filing | — |
| merger-related expenses | $12.1M | three months ended June 30, 2026 filing | — |
| Net (charge-offs) recoveries on non-PCD loans | -$26.01M | Three Months EndedJune 30, 2026 filing | — |
| Net (charge-offs) recoveries on PCD loans | -$6.24M | Three Months EndedJune 30, 2026 filing | — |
| Net charge-offs on loans | 32.2M | the three months ended June 30, 2026 filing | — |
| net income applicable to common shares non-GAAP | 250.4M | second quarter of 2026 filing | — |
| Net income applicable to common shares, adjusted non-GAAP | 250.38M | three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income applicable to common shares 249.38M
+12.11M Merger-related charges
-13.24M Pension plan (gain) loss
+34K Debt securities (gains) losses
+0K Distribution of excess pension assets expense
+0K FDIC special assessment
+0K CECL Day 1 non-PCD provision expense
+2.09M Less: tax effect on net total adjustments
= Net income applicable to common shares, adjusted 250.38M
|
|||
| Net interest margin (3) | 3.54% | the three months ended June 30, 2026 filing | — |
| Non-performing loans to ending loans | 0.91% | three months ended June 30, 2026 filing | — |
| noninterest expense non-GAAP | 360.1M | second quarter of 2026 filing | — |
| Noninterest expense excluding intangible amortization expense non-GAAP | 348.17M | three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Noninterest expense 372.16M
-23.99M Deduct: Intangible amortization expense
= Noninterest expense excluding intangible amortization expense 348.17M
|
|||
| payment defaults | 12.1M | three months ended June 30, 2026 filing | — |
| Pension plan (gain) loss non-GAAP | -13.24M | three months ended June 30, 2026 filing | — |
| Residential real estate | 74K | Three Months Ended June 30, 2026 filing | — |
| Return on average assets | 1.38% | the three months ended June 30, 2026 filing | — |
| Tangible assets non-GAAP | 71.33B | three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Assets 74.19B
-2.86B Deduct: Goodwill and intangible assets
= Tangible assets 71.33B
|
|||
| Tangible common book value non-GAAP | $14.32 | three months ended June 30, 2026 filing | — |
| Tangible net income non-GAAP | 267.38M | three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income applicable to common shares 249.38M
+17.99M Add: Intangible amortization (net of tax)
= Tangible net income 267.38M
|
|||
| Tangible shareholders’ common equity non-GAAP | 5.48B | three months ended June 30, 2026 filing | — |
| Tier 1 | 11.53% | three months ended June 30, 2026 filing | — |
| Total | 13.65% | three months ended June 30, 2026 filing | — |
| Total equity to assets (averages) | 11.61% | three months ended June 30, 2026 filing | — |
| Total gross charge-offs | 41.54M | Three Months Ended June 30, 2026 filing | — |
| Total net (charge-offs) recoveries on loans | -$32.25M | Three Months EndedJune 30, 2026 filing | — |
| Total revenue excluding debt securities gains (losses) non-GAAP | 740.1M | three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net interest income - taxable equivalent basis 586.5M
+153.56M Add: Noninterest income
+34K Deduct: Debt securities gains (losses), net
= Total revenue excluding debt securities gains (losses) 740.1M
|
|||
| weighted average yields on investment securities, on a taxable equivalent basis | 4.11% | three months ended June 30, 2026 filing | — |
| yield on interest earning assets | 20 | three months ended June 30, 2026 filing | — |
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
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ONB
this stock
Old National Bancorp
|
$9.48B | +12.3% | +6.1% | 10.2 | 5.8% |
|
HDB
Hdfc Bank Ltd
|
$132.87B | -29.3% | -3.2% | — | 0.8% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +41.3% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$123.94B | +15.8% | — | — | 0.5% |
|
USB
US Bancorp \De\
|
$95.04B | +14.3% | +4.4% | 11.9 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
Old National Bancorp declared a $0.145 per-share common dividend payable December 15, 2026, plus $17.50 per-share dividends on 7.0% Series A and Series C preferred stock payable February 20, 2027.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ONB | +0.5% | +0.2% | +3.3% | -0.2% | +12.3% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | -2.1% | +1.3% | +2.8% | +0.0% | +1.7% |
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.
