Old National Bank (ONB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$25.05-3.24%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · ONB
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-05.
The screen ranks ONB against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
"Our disciplined focus on fundamentals continues to drive profitable growth, positive operating leverage, and meaningful value creation for our shareholders.
Stated in 2 of 4 supplied quarters. Management reported: “"Our disciplined focus on fundamentals continues to drive profitable growth, positive operating leverage, and meaningful value creation for our shareholders.” “LOANS Loan growth driven by strong high quality commercial loan production.” Revenue was $916.830 million in 2026-Q3.
“"Our disciplined focus on fundamentals continues to drive profitable growth, positive operating leverage, and meaningful value creation for our shareholders.”
“LOANS Loan growth driven by strong high quality commercial loan production.”
NONINTEREST EXPENSE Disciplined expense management drives record adjusted efficiency ratio.
Stated in 2 of 4 supplied quarters. Management reported: “NONINTEREST EXPENSE Disciplined expense management drives record adjusted efficiency ratio.” “2 NONINTEREST EXPENSE 100% realization of Bremer cost savings along with disciplined expense management drives record adjusted efficiency ratio.”
“NONINTEREST EXPENSE Disciplined expense management drives record adjusted efficiency ratio.”
CAPITAL CET1 held at 11.11% while funding earning asset growth and returning $155 million to shareholders.
Stated in 2 of 4 supplied quarters. Management reported: “CAPITAL CET1 held at 11.11% while funding earning asset growth and returning $155 million to shareholders.” “"We delivered strong loan growth, controlled expenses, and maintained strong credit, capital, and liquidity levels, while also taking decisive action on capital returns.”
“CAPITAL CET1 held at 11.11% while funding earning asset growth and returning $155 million to shareholders.”
As we continue that evolution, we're enhancing our leadership structure through the formation of an Operating Group and the expansion of our Executive Leadership Team.
Stated in 1 of 4 supplied quarters. Management reported: “As we continue that evolution, we're enhancing our leadership structure through the formation of an Operating Group and the expansion of our Executive Leadership Team.”
“As we continue that evolution, we're enhancing our leadership structure through the formation of an Operating Group and the expansion of our Executive Leadership Team.”
Build deposit balances, including through business and commercial relationships, while preserving a granular, low-cost funding base.
Over the trailing year it converted 0.78x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 60% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
22 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.
“2 NONINTEREST EXPENSE 100% realization of Bremer cost savings along with disciplined expense management drives record adjusted efficiency ratio.”
“"We delivered strong loan growth, controlled expenses, and maintained strong credit, capital, and liquidity levels, while also taking decisive action on capital returns.”