23.325 USD
+0.04 (+0.15%)
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 growing strongly while it is still valued neutral. This is a good 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.
- Each year in the past 5 years ONB has been profitable.
- Each year in the past 5 years ONB had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.83%, ONB perfoms like the industry average, outperforming 44.91% of the companies in the same industry.
- ONB has a worse Return On Equity (7.10%) than 65.27% 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's Profit Margin of 25.41% is in line compared to the rest of the industry. ONB outperforms 58.49% of its industry peers.
- In the last couple of years the Profit Margin of ONB has remained more or less at the same level.
- ONB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- Compared to 1 year ago, ONB has more shares outstanding
- The number of shares outstanding for ONB has been increased compared to 5 years ago.
- ONB has a better debt/assets ratio than last year.
2.2 Solvency
- ONB has a debt to FCF ratio of 1.51. This is a very positive value and a sign of high solvency as it would only need 1.51 years to pay back of all of its debts.
- The Debt to FCF ratio of ONB (1.51) is comparable to the rest of the industry.
- ONB has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
- ONB's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. ONB outperforms 61.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.51 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.4%
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.
- Measured over the past 5 years, ONB shows a small growth in Earnings Per Share. The EPS has been growing by 6.00% on average per year.
- ONB shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.93%.
- ONB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.60% yearly.
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
- The Earnings Per Share is expected to grow by 15.92% on average over the next years. This is quite good.
- ONB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.11% yearly.
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
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- 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
- The Price/Earnings ratio is 11.32, which indicates a very decent valuation of ONB.
- Based on the Price/Earnings ratio, ONB is valued a bit cheaper than 68.15% of the companies in the same industry.
- ONB is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 8.84 indicates a reasonable valuation of ONB.
- Based on the Price/Forward Earnings ratio, ONB is valued cheaply inside the industry as 81.98% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. ONB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.32 | ||
| Fwd PE | 8.84 |
4.2 Price Multiples
- ONB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- ONB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as ONB's earnings are expected to grow with 15.92% in the coming years.
PEG (NY)0.67
PEG (5Y)1.89
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 94.52% 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
- 36.45% of the earnings are spent on dividend by ONB. This is a low number and 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 (1/16/2026, 10:56:59 AM)
23.325
+0.04 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)01-21 2026-01-21/bmo
Inst Owners96.98%
Inst Owner Change0.23%
Ins Owners0.3%
Ins Owner Change0.09%
Market Cap9.11B
Revenue(TTM)2.32B
Net Income(TTM)590.37M
Analysts76.25
Price Target26.52 (13.7%)
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 | 11.32 | ||
| Fwd PE | 8.84 | ||
| P/S | 3.92 | ||
| P/FCF | 12.5 | ||
| P/OCF | 12.02 | ||
| P/B | 1.1 | ||
| P/tB | 1.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.06
EY8.83%
EPS(NY)2.64
Fwd EY11.32%
FCF(TTM)1.87
FCFY8%
OCF(TTM)1.94
OCFY8.32%
SpS5.95
BVpS21.26
TBVpS13.77
PEG (NY)0.67
PEG (5Y)1.89
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
WACC11.4%
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%.