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OLD NATL BANCORP - ONB 7 PERP (ONBPO) Stock Fundamental Analysis

NASDAQ:ONBPO - US68003D3035

25.05 USD
-0.01 (-0.04%)
Last: 8/28/2025, 8:00:02 PM
Fundamental Rating

4

Overall ONBPO gets a fundamental rating of 4 out of 10. We evaluated ONBPO against 393 industry peers in the Banks industry. Both the profitability and financial health of ONBPO have multiple concerns. ONBPO is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

ONBPO had positive earnings in the past year.
ONBPO had a positive operating cash flow in the past year.
Each year in the past 5 years ONBPO has been profitable.
ONBPO had a positive operating cash flow in each of the past 5 years.
ONBPO Yearly Net Income VS EBIT VS OCF VS FCFONBPO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

1.2 Ratios

The Return On Assets of ONBPO (0.78%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 6.79%, ONBPO is doing worse than 66.16% of the companies in the same industry.
Industry RankSector Rank
ROA 0.78%
ROE 6.79%
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
ONBPO Yearly ROA, ROE, ROICONBPO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

ONBPO has a better Profit Margin (26.21%) than 66.16% of its industry peers.
In the last couple of years the Profit Margin of ONBPO has remained more or less at the same level.
ONBPO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.21%
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
ONBPO Yearly Profit, Operating, Gross MarginsONBPO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

ONBPO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ONBPO has been increased compared to 1 year ago.
The number of shares outstanding for ONBPO has been increased compared to 5 years ago.
ONBPO has a better debt/assets ratio than last year.
ONBPO Yearly Shares OutstandingONBPO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
ONBPO Yearly Total Debt VS Total AssetsONBPO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

The Debt to FCF ratio of ONBPO is 2.95, which is a good value as it means it would take ONBPO, 2.95 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of ONBPO (2.95) is worse than 60.31% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that ONBPO is not too dependend on debt financing.
ONBPO has a Debt to Equity ratio (0.18) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.95
Altman-Z N/A
ROIC/WACCN/A
WACC11.45%
ONBPO Yearly LT Debt VS Equity VS FCFONBPO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ONBPO Yearly Current Assets VS Current LiabilitesONBPO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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6

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 2.66% over the past year.
ONBPO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.00% yearly.
ONBPO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.99%.
The Revenue has been growing by 18.60% on average over the past years. This is quite good.
EPS 1Y (TTM)2.66%
EPS 3Y2.44%
EPS 5Y6%
EPS Q2Q%15.22%
Revenue 1Y (TTM)14.99%
Revenue growth 3Y32.51%
Revenue growth 5Y18.6%
Sales Q2Q%36.08%

3.2 Future

The Earnings Per Share is expected to grow by 17.96% on average over the next years. This is quite good.
Based on estimates for the next years, ONBPO will show a quite strong growth in Revenue. The Revenue will grow by 17.71% on average per year.
EPS Next Y16.29%
EPS Next 2Y19.01%
EPS Next 3Y17.96%
EPS Next 5YN/A
Revenue Next Year33.09%
Revenue Next 2Y23.88%
Revenue Next 3Y17.71%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
ONBPO Yearly Revenue VS EstimatesONBPO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
ONBPO Yearly EPS VS EstimatesONBPO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.98, the valuation of ONBPO can be described as correct.
ONBPO's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.17, ONBPO is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.51, the valuation of ONBPO can be described as very reasonable.
Based on the Price/Forward Earnings ratio, ONBPO is valued a bit cheaper than 65.65% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ONBPO to the average of the S&P500 Index (22.78), we can say ONBPO is valued rather cheaply.
Industry RankSector Rank
PE 12.98
Fwd PE 9.51
ONBPO Price Earnings VS Forward Price EarningsONBPO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ONBPO is valued a bit more expensive than 67.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.2
EV/EBITDA N/A
ONBPO Per share dataONBPO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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.
ONBPO's earnings are expected to grow with 17.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.8
PEG (5Y)2.16
EPS Next 2Y19.01%
EPS Next 3Y17.96%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.61%, ONBPO has a reasonable but not impressive dividend return.
ONBPO's Dividend Yield is comparable with the industry average which is at 3.30.
ONBPO's Dividend Yield is comparable with the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 2.61%

5.2 History

The dividend of ONBPO has a limited annual growth rate of 3.80%.
ONBPO has been paying a dividend for over 5 years, so it has already some track record.
ONBPO has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.8%
Div Incr Years0
Div Non Decr Years4
ONBPO Yearly Dividends per shareONBPO Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

ONBPO pays out 37.16% of its income as dividend. This is a sustainable payout ratio.
The dividend of ONBPO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP37.16%
EPS Next 2Y19.01%
EPS Next 3Y17.96%
ONBPO Yearly Income VS Free CF VS DividendONBPO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M
ONBPO Dividend Payout.ONBPO Dividend Payout, showing the Payout Ratio.ONBPO Dividend Payout.PayoutRetained Earnings

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OLD NATL BANCORP - ONB 7 PERP

NASDAQ:ONBPO (8/28/2025, 8:00:02 PM)

25.05

-0.01 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/bmo
Earnings (Next)10-20 2025-10-20/bmo
Inst Owners99.11%
Inst Owner ChangeN/A
Ins Owners0.4%
Ins Owner ChangeN/A
Market Cap9.82B
Analysts78.57
Price Target31.09 (24.11%)
Short Float %0%
Short Ratio1.43
Dividend
Industry RankSector Rank
Dividend Yield 2.61%
Yearly Dividend0.63
Dividend Growth(5Y)3.8%
DP37.16%
Div Incr Years0
Div Non Decr Years4
Ex-Date11-05 2025-11-05 (0.4375)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.92%
Min EPS beat(2)1.5%
Max EPS beat(2)4.34%
EPS beat(4)3
Avg EPS beat(4)2.48%
Min EPS beat(4)-1.26%
Max EPS beat(4)5.32%
EPS beat(8)6
Avg EPS beat(8)1.54%
EPS beat(12)9
Avg EPS beat(12)1.62%
EPS beat(16)13
Avg EPS beat(16)6.22%
Revenue beat(2)1
Avg Revenue beat(2)1.31%
Min Revenue beat(2)-0.29%
Max Revenue beat(2)2.9%
Revenue beat(4)1
Avg Revenue beat(4)0.57%
Min Revenue beat(4)-0.29%
Max Revenue beat(4)2.9%
Revenue beat(8)2
Avg Revenue beat(8)0.2%
Revenue beat(12)5
Avg Revenue beat(12)1.32%
Revenue beat(16)8
Avg Revenue beat(16)1.85%
PT rev (1m)7.18%
PT rev (3m)4.14%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)1.01%
EPS NY rev (1m)-0.67%
EPS NY rev (3m)-0.06%
Revenue NQ rev (1m)-0.4%
Revenue NQ rev (3m)-1.12%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)0.39%
Valuation
Industry RankSector Rank
PE 12.98
Fwd PE 9.51
P/S 4.66
P/FCF 19.2
P/OCF 18.24
P/B 1.21
P/tB 1.89
EV/EBITDA N/A
EPS(TTM)1.93
EY7.7%
EPS(NY)2.63
Fwd EY10.52%
FCF(TTM)1.3
FCFY5.21%
OCF(TTM)1.37
OCFY5.48%
SpS5.37
BVpS20.74
TBVpS13.22
PEG (NY)0.8
PEG (5Y)2.16
Profitability
Industry RankSector Rank
ROA 0.78%
ROE 6.79%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.21%
GM N/A
FCFM 24.29%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.95
Debt/EBITDA N/A
Cap/Depr 33.52%
Cap/Sales 1.28%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 92.66%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC11.45%
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)2.66%
EPS 3Y2.44%
EPS 5Y6%
EPS Q2Q%15.22%
EPS Next Y16.29%
EPS Next 2Y19.01%
EPS Next 3Y17.96%
EPS Next 5YN/A
Revenue 1Y (TTM)14.99%
Revenue growth 3Y32.51%
Revenue growth 5Y18.6%
Sales Q2Q%36.08%
Revenue Next Year33.09%
Revenue Next 2Y23.88%
Revenue Next 3Y17.71%
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 1Y-7.48%
FCF growth 3Y28.09%
FCF growth 5Y24.69%
OCF growth 1Y-8.83%
OCF growth 3Y23.5%
OCF growth 5Y21.63%