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

NASDAQ:ONBPP - US68003D2045

25.18 USD
-0.09 (-0.36%)
Last: 8/29/2025, 8:00:02 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ONBPP. ONBPP was compared to 395 industry peers in the Banks industry. ONBPP has a bad profitability rating. Also its financial health evaluation is rather negative. ONBPP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

ONBPP had positive earnings in the past year.
ONBPP had a positive operating cash flow in the past year.
In the past 5 years ONBPP has always been profitable.
Each year in the past 5 years ONBPP had a positive operating cash flow.
ONBPP Yearly Net Income VS EBIT VS OCF VS FCFONBPP 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

ONBPP has a Return On Assets of 0.78%. This is comparable to the rest of the industry: ONBPP outperforms 44.70% of its industry peers.
ONBPP has a Return On Equity of 6.79%. This is in the lower half of the industry: ONBPP underperforms 65.40% of its industry peers.
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
ONBPP Yearly ROA, ROE, ROICONBPP 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

With a decent Profit Margin value of 26.21%, ONBPP is doing good in the industry, outperforming 64.90% of the companies in the same industry.
ONBPP's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for ONBPP so they could not be analyzed.
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
ONBPP Yearly Profit, Operating, Gross MarginsONBPP 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

ONBPP does not have a ROIC to compare to the WACC, probably because it is not profitable.
ONBPP has more shares outstanding than it did 1 year ago.
ONBPP has more shares outstanding than it did 5 years ago.
ONBPP has a better debt/assets ratio than last year.
ONBPP Yearly Shares OutstandingONBPP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
ONBPP Yearly Total Debt VS Total AssetsONBPP 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 ONBPP is 2.95, which is a good value as it means it would take ONBPP, 2.95 years of fcf income to pay off all of its debts.
ONBPP has a Debt to FCF ratio of 2.95. This is in the lower half of the industry: ONBPP underperforms 60.35% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that ONBPP is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.18, ONBPP perfoms like the industry average, outperforming 48.48% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.95
Altman-Z N/A
ROIC/WACCN/A
WACC11.43%
ONBPP Yearly LT Debt VS Equity VS FCFONBPP 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
ONBPP Yearly Current Assets VS Current LiabilitesONBPP 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.
The Earnings Per Share has been growing slightly by 6.00% on average over the past years.
ONBPP 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, ONBPP 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

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.
ONBPP Yearly Revenue VS EstimatesONBPP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
ONBPP Yearly EPS VS EstimatesONBPP 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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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.05, which indicates a correct valuation of ONBPP.
Compared to the rest of the industry, the Price/Earnings ratio of ONBPP is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.08. ONBPP is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.56, which indicates a very decent valuation of ONBPP.
Based on the Price/Forward Earnings ratio, ONBPP is valued a bit cheaper than the industry average as 64.90% of the companies are valued more expensively.
ONBPP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.72, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.05
Fwd PE 9.56
ONBPP Price Earnings VS Forward Price EarningsONBPP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ONBPP indicates a slightly more expensive valuation: ONBPP is more expensive than 67.68% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 19.3
EV/EBITDA N/A
ONBPP Per share dataONBPP 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.
ONBPP'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)2.17
EPS Next 2Y19.01%
EPS Next 3Y17.96%

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5

5. Dividend

5.1 Amount

ONBPP has a Yearly Dividend Yield of 2.46%. Purely for dividend investing, there may be better candidates out there.
ONBPP's Dividend Yield is comparable with the industry average which is at 3.20.
ONBPP's Dividend Yield is comparable with the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 2.46%

5.2 History

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

5.3 Sustainability

37.16% of the earnings are spent on dividend by ONBPP. This is a low number and sustainable payout ratio.
The dividend of ONBPP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP37.16%
EPS Next 2Y19.01%
EPS Next 3Y17.96%
ONBPP Yearly Income VS Free CF VS DividendONBPP 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
ONBPP Dividend Payout.ONBPP Dividend Payout, showing the Payout Ratio.ONBPP Dividend Payout.PayoutRetained Earnings

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OLD NATL BANCORP - ONB 7 PERP

NASDAQ:ONBPP (8/29/2025, 8:00:02 PM)

25.18

-0.09 (-0.36%)

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 Cap9.87B
Analysts78.57
Price Target31.05 (23.31%)
Short Float %0%
Short Ratio1.17
Dividend
Industry RankSector Rank
Dividend Yield 2.46%
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)6.82%
PT rev (3m)2.23%
EPS NQ rev (1m)0.09%
EPS NQ rev (3m)1.1%
EPS NY rev (1m)-0.67%
EPS NY rev (3m)-0.06%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)-1%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.39%
Valuation
Industry RankSector Rank
PE 13.05
Fwd PE 9.56
P/S 4.69
P/FCF 19.3
P/OCF 18.33
P/B 1.21
P/tB 1.9
EV/EBITDA N/A
EPS(TTM)1.93
EY7.66%
EPS(NY)2.63
Fwd EY10.46%
FCF(TTM)1.3
FCFY5.18%
OCF(TTM)1.37
OCFY5.45%
SpS5.37
BVpS20.74
TBVpS13.22
PEG (NY)0.8
PEG (5Y)2.17
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
WACC11.43%
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%