22.645 USD
-0.12 (-0.55%)
We assign a fundamental rating of 5 out of 10 to ONB. ONB was compared to 383 industry peers in the Banks industry. ONB may be in some trouble as it scores bad on both profitability and health. ONB is not overvalued while it is showing excellent growth. This is an interesting combination. ONB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ONB had positive earnings in the past year.
In the past year ONB had a positive cash flow from operations.
In the past 5 years ONB has always been profitable.
In the past 5 years ONB always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.83%, ONB is in line with its industry, outperforming 44.65% of the companies in the same industry.
ONB has a worse Return On Equity (7.10%) than 65.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 7.1% | ||
| ROIC | N/A |
ROA(3y)1.01%
ROA(5y)1.03%
ROE(3y)8.83%
ROE(5y)8.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ONB has a Profit Margin of 25.41%. This is comparable to the rest of the industry: ONB outperforms 58.22% of its industry peers.
ONB's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for ONB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.41% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.78%
PM growth 5Y-1.32%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ONB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ONB has been increased compared to 1 year ago.
ONB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for ONB has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of ONB is 1.51, which is an excellent value as it means it would take ONB, only 1.51 years of fcf income to pay off all of its debts.
ONB has a Debt to FCF ratio (1.51) which is in line with its industry peers.
A Debt/Equity ratio of 0.13 indicates that ONB is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.13, ONB is doing good in the industry, outperforming 61.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.51 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ONB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.57%, which is quite good.
ONB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.00% yearly.
The Revenue has grown by 24.93% in the past year. This is a very strong growth!
Measured over the past years, ONB shows a quite strong growth in Revenue. The Revenue has been growing by 18.60% on average per year.
EPS 1Y (TTM)12.57%
EPS 3Y2.44%
EPS 5Y6%
EPS Q2Q%28.26%
Revenue 1Y (TTM)24.93%
Revenue growth 3Y32.51%
Revenue growth 5Y18.6%
Sales Q2Q%45.12%
3.2 Future
ONB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.92% yearly.
The Revenue is expected to grow by 17.11% on average over the next years. This is quite good.
EPS Next Y16.99%
EPS Next 2Y19.13%
EPS Next 3Y15.92%
EPS Next 5YN/A
Revenue Next Year33.66%
Revenue Next 2Y23.73%
Revenue Next 3Y17.11%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.99 indicates a reasonable valuation of ONB.
Compared to the rest of the industry, the Price/Earnings ratio of ONB indicates a somewhat cheap valuation: ONB is cheaper than 67.89% of the companies listed in the same industry.
ONB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.25.
The Price/Forward Earnings ratio is 8.58, which indicates a very decent valuation of ONB.
Based on the Price/Forward Earnings ratio, ONB is valued cheaply inside the industry as 81.20% of the companies are valued more expensively.
ONB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 8.58 |
4.2 Price Multiples
ONB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
ONB's earnings are expected to grow with 15.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.65
PEG (5Y)1.83
EPS Next 2Y19.13%
EPS Next 3Y15.92%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.96%, ONB is a good candidate for dividend investing.
ONB's Dividend Yield is rather good when compared to the industry average which is at 2.90. ONB pays more dividend than 95.04% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, ONB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.96% |
5.2 History
The dividend of ONB has a limited annual growth rate of 3.80%.
ONB has been paying a dividend for at least 10 years, so it has a reliable track record.
ONB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.8%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
ONB pays out 36.45% of its income as dividend. This is a sustainable payout ratio.
ONB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.45%
EPS Next 2Y19.13%
EPS Next 3Y15.92%
NASDAQ:ONB (1/13/2026, 12:22:09 PM)
22.645
-0.12 (-0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners96.98%
Inst Owner Change0.23%
Ins Owners0.3%
Ins Owner Change0.09%
Market Cap8.85B
Revenue(TTM)2.32B
Net Income(TTM)590.37M
Analysts76.25
Price Target26.52 (17.11%)
Short Float %5.15%
Short Ratio6.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.96% |
Yearly Dividend0.63
Dividend Growth(5Y)3.8%
DP36.45%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.55%
Min EPS beat(2)1.5%
Max EPS beat(2)3.61%
EPS beat(4)4
Avg EPS beat(4)3.69%
Min EPS beat(4)1.5%
Max EPS beat(4)5.32%
EPS beat(8)6
Avg EPS beat(8)1.87%
EPS beat(12)9
Avg EPS beat(12)1.81%
EPS beat(16)13
Avg EPS beat(16)5.42%
Revenue beat(2)2
Avg Revenue beat(2)1.55%
Min Revenue beat(2)0.2%
Max Revenue beat(2)2.9%
Revenue beat(4)2
Avg Revenue beat(4)0.68%
Min Revenue beat(4)-0.29%
Max Revenue beat(4)2.9%
Revenue beat(8)3
Avg Revenue beat(8)0.25%
Revenue beat(12)5
Avg Revenue beat(12)1.06%
Revenue beat(16)8
Avg Revenue beat(16)1.82%
PT rev (1m)0.65%
PT rev (3m)-0.95%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)-1.29%
EPS NY rev (1m)0%
EPS NY rev (3m)0.44%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)-0.46%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 8.58 | ||
| P/S | 3.81 | ||
| P/FCF | 12.14 | ||
| P/OCF | 11.67 | ||
| P/B | 1.06 | ||
| P/tB | 1.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.06
EY9.1%
EPS(NY)2.64
Fwd EY11.66%
FCF(TTM)1.87
FCFY8.24%
OCF(TTM)1.94
OCFY8.57%
SpS5.95
BVpS21.26
TBVpS13.77
PEG (NY)0.65
PEG (5Y)1.83
Graham Number31.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 7.1% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.41% | ||
| GM | N/A | ||
| FCFM | 31.38% |
ROA(3y)1.01%
ROA(5y)1.03%
ROE(3y)8.83%
ROE(5y)8.67%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.78%
PM growth 5Y-1.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.51 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 28.47% | ||
| Cap/Sales | 1.25% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 123.5% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC11.48%
ROIC/WACCN/A
Cap/Depr(3y)56.18%
Cap/Depr(5y)73.31%
Cap/Sales(3y)1.96%
Cap/Sales(5y)3.12%
Profit Quality(3y)128.38%
Profit Quality(5y)114.02%
High Growth Momentum
Growth
EPS 1Y (TTM)12.57%
EPS 3Y2.44%
EPS 5Y6%
EPS Q2Q%28.26%
EPS Next Y16.99%
EPS Next 2Y19.13%
EPS Next 3Y15.92%
EPS Next 5YN/A
Revenue 1Y (TTM)24.93%
Revenue growth 3Y32.51%
Revenue growth 5Y18.6%
Sales Q2Q%45.12%
Revenue Next Year33.66%
Revenue Next 2Y23.73%
Revenue Next 3Y17.11%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y36.69%
FCF growth 3Y28.09%
FCF growth 5Y24.69%
OCF growth 1Y32.84%
OCF growth 3Y23.5%
OCF growth 5Y21.63%
OLD NATIONAL BANCORP / ONB FAQ
What is the fundamental rating for ONB stock?
ChartMill assigns a fundamental rating of 5 / 10 to ONB.
What is the valuation status of OLD NATIONAL BANCORP (ONB) stock?
ChartMill assigns a valuation rating of 6 / 10 to OLD NATIONAL BANCORP (ONB). This can be considered as Fairly Valued.
What is the profitability of ONB stock?
OLD NATIONAL BANCORP (ONB) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for ONB stock?
The Earnings per Share (EPS) of OLD NATIONAL BANCORP (ONB) is expected to grow by 16.99% in the next year.
Can you provide the dividend sustainability for ONB stock?
The dividend rating of OLD NATIONAL BANCORP (ONB) is 9 / 10 and the dividend payout ratio is 36.45%.