Old Natl Bancorp Ind Financials
This page shows Old Natl Bancorp Ind (ONB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Old Natl Bancorp Ind's revenue surged 25.7% year-over-year to $3.3B, reflecting rapid business expansion. This strong growth earns a score of 100/100.
Old Natl Bancorp Ind has elevated debt relative to equity (D/E of 7.49), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Old Natl Bancorp Ind converts 19.5% of revenue into free cash flow ($637.4M). This strong cash generation earns a score of 97/100.
Old Natl Bancorp Ind's ROE of 7.9% shows moderate profitability relative to equity, earning a score of 32/100. This is down from 8.5% the prior year.
Old Natl Bancorp Ind passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Old Natl Bancorp Ind generates $1.02 in operating cash flow ($681.5M OCF vs $669.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Old Natl Bancorp Ind generated $3.3B in revenue in fiscal year 2025. This represents an increase of 25.7% from the prior year.
Old Natl Bancorp Ind generated $637.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 7.7% from the prior year.
Old Natl Bancorp Ind reported $669.3M in net income in fiscal year 2025. This represents an increase of 24.1% from the prior year.
Old Natl Bancorp Ind held $1.8B in cash against $0 in long-term debt as of fiscal year 2025.
Old Natl Bancorp Ind paid $0.56 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Old Natl Bancorp Ind had 390M shares outstanding in fiscal year 2025. This represents an increase of 22.2% from the prior year.
Old Natl Bancorp Ind's net profit margin was 20.5% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.3 percentage points from the prior year.
Old Natl Bancorp Ind's ROE was 7.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the prior year.
Old Natl Bancorp Ind spent $71.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 708.2% from the prior year.
Old Natl Bancorp Ind invested $44.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 45.6% from the prior year.
ONB Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q4'23 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $897.3M-2.2% | $917.2M+11.2% | $825.0M+30.9% | $630.4M-4.8% | $662.1M+12.3% | $589.8M+2.3% | $576.5M+5.8% | $544.9M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $316.5M-7.6% | $342.6M+10.4% | $310.2M+27.8% | $242.8M-9.4% | $267.9M+18.9% | $225.3M+11.9% | $201.4M+23.8% | $162.7M |
| Income Tax | $54.9M+9.7% | $50.0M+65.1% | $30.3M-17.9% | $36.9M+14.5% | $32.2M-10.9% | $36.2M-18.3% | $44.3M-6.5% | $47.4M |
| Net Income | $216.6M+18.7% | $182.6M+45.6% | $125.4M-13.3% | $144.7M-6.0% | $153.9M+16.1% | $132.5M-10.4% | $147.9M-4.6% | $155.0M |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
ONB Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q4'23 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $72.2B+1.3% | $71.2B+0.3% | $71.0B+31.7% | $53.9B+0.6% | $53.6B+9.1% | $49.1B+0.1% | $49.1B+1.2% | $48.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $1.8B+8.5% | $1.7B-7.0% | $1.8B+45.9% | $1.2B+1.0% | $1.2B+4.5% | $1.2B-29.4% | $1.7B+38.9% | $1.2B |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $2.4B+0.3% | $2.4B+0.4% | $2.4B+10.8% | $2.2B0.0% | $2.2B+8.8% | $2.0B0.0% | $2.0B0.0% | $2.0B |
| Total Liabilities | $63.7B+1.2% | $62.9B+0.1% | $62.9B+32.8% | $47.3B+0.3% | $47.2B+8.5% | $43.5B-0.7% | $43.8B+1.4% | $43.2B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $8.5B+2.2% | $8.3B+2.3% | $8.1B+24.4% | $6.5B+3.1% | $6.3B+14.0% | $5.6B+6.2% | $5.2B-1.0% | $5.3B |
| Retained Earnings | $2.4B+7.0% | $2.3B+5.8% | $2.1B+3.2% | $2.1B+4.8% | $2.0B+21.5% | $1.6B+5.7% | $1.5B+7.2% | $1.4B |
ONB Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q4'23 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $159.2M-53.3% | $341.2M+368.1% | $72.9M-32.6% | $108.2M-54.1% | $235.8M+223.7% | $72.8M-68.2% | $228.8M+42.1% | $161.0M |
| Capital Expenditures | $21.9M+188.4% | $7.6M-13.8% | $8.8M+51.7% | $5.8M-14.1% | $6.8M-34.4% | $10.3M-3.4% | $10.7M+53.4% | $7.0M |
| Free Cash Flow | $137.3M-58.8% | $333.6M+420.6% | $64.1M-37.4% | $102.4M-55.3% | $229.0M+266.2% | $62.5M-71.3% | $218.1M+41.6% | $154.1M |
| Investing Cash Flow | -$698.8M-54.9% | -$451.1M-8.9% | -$414.4M-53.2% | -$270.6M-130.6% | -$117.3M+54.4% | -$257.3M+4.9% | -$270.5M+58.5% | -$651.1M |
| Financing Cash Flow | $683.1M+4354.0% | -$16.1M-101.8% | $910.3M+422.7% | $174.2M+312.3% | -$82.0M+73.0% | -$303.9M-159.9% | $507.2M-11.6% | $574.0M |
| Dividends Paid | $58.6M-0.4% | $58.9M0.0% | $58.9M+21.0% | $48.7M0.0% | $48.7M+8.3% | $45.0M0.0% | $45.0M0.0% | $45.0M |
| Share Buybacks | $25.1M-0.4% | $25.2M+216.7% | $8.0M-41.2% | $13.5M+9639.6% | $139K+231.0% | $42K-90.7% | $451K+329.5% | $105K |
ONB Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q4'23 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 24.1%+4.2pp | 19.9%+4.7pp | 15.2%-7.8pp | 22.9%-0.3pp | 23.2%+0.8pp | 22.5%-3.2pp | 25.7%-2.8pp | 28.4% |
| Return on Equity | 2.5%+0.3pp | 2.2%+0.7pp | 1.5%-0.7pp | 2.2%-0.2pp | 2.4%+0.0pp | 2.4%-0.4pp | 2.8%-0.1pp | 2.9% |
| Return on Assets | 0.3%+0.0pp | 0.3%+0.1pp | 0.2%-0.1pp | 0.3%-0.0pp | 0.3%+0.0pp | 0.3%-0.0pp | 0.3%-0.0pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.49-0.1 | 7.57-0.2 | 7.73+0.5 | 7.25-0.2 | 7.45-0.4 | 7.82-0.5 | 8.36+0.2 | 8.16 |
| FCF Margin | 15.3%-21.1pp | 36.4%+28.6pp | 7.8%-8.5pp | 16.2%-18.4pp | 34.6%+24.0pp | 10.6%-27.2pp | 37.8%+9.6pp | 28.3% |
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Frequently Asked Questions
What is Old Natl Bancorp Ind's annual revenue?
Old Natl Bancorp Ind (ONB) reported $3.3B in total revenue for fiscal year 2025. This represents a 25.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Old Natl Bancorp Ind's revenue growing?
Old Natl Bancorp Ind (ONB) revenue grew by 25.7% year-over-year, from $2.6B to $3.3B in fiscal year 2025.
Is Old Natl Bancorp Ind profitable?
Yes, Old Natl Bancorp Ind (ONB) reported a net income of $669.3M in fiscal year 2025, with a net profit margin of 20.5%.
What is Old Natl Bancorp Ind's earnings per share (EPS)?
Old Natl Bancorp Ind (ONB) reported diluted earnings per share of $1.79 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Old Natl Bancorp Ind's net profit margin?
Old Natl Bancorp Ind (ONB) had a net profit margin of 20.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Old Natl Bancorp Ind pay dividends?
Yes, Old Natl Bancorp Ind (ONB) paid $0.56 per share in dividends during fiscal year 2025.
What is Old Natl Bancorp Ind's return on equity (ROE)?
Old Natl Bancorp Ind (ONB) has a return on equity of 7.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Old Natl Bancorp Ind's free cash flow?
Old Natl Bancorp Ind (ONB) generated $637.4M in free cash flow during fiscal year 2025. This represents a 7.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Old Natl Bancorp Ind's operating cash flow?
Old Natl Bancorp Ind (ONB) generated $681.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Old Natl Bancorp Ind's total assets?
Old Natl Bancorp Ind (ONB) had $72.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Old Natl Bancorp Ind's capital expenditures?
Old Natl Bancorp Ind (ONB) invested $44.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Old Natl Bancorp Ind buy back shares?
Yes, Old Natl Bancorp Ind (ONB) spent $71.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Old Natl Bancorp Ind have outstanding?
Old Natl Bancorp Ind (ONB) had 390M shares outstanding as of fiscal year 2025.
What is Old Natl Bancorp Ind's debt-to-equity ratio?
Old Natl Bancorp Ind (ONB) had a debt-to-equity ratio of 7.49 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Old Natl Bancorp Ind's return on assets (ROA)?
Old Natl Bancorp Ind (ONB) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Old Natl Bancorp Ind's Piotroski F-Score?
Old Natl Bancorp Ind (ONB) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Old Natl Bancorp Ind's earnings high quality?
Old Natl Bancorp Ind (ONB) has an earnings quality ratio of 1.02x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Old Natl Bancorp Ind?
Old Natl Bancorp Ind (ONB) scores 57 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.