Old National Bancorp (ONB) Earnings
Old National Bancorp is expected to report next earnings on July 22, 2026 (in NaN days), with a consensus EPS estimate of $0.62. ONB has beaten EPS estimates in 9 of its last 12 reported quarters (average surprise +3.9% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 22, 2026 | $0.60 | $0.61 | +1.7% | $703M | -0.5% |
| Jan 21, 2026 | $0.59 | $0.62 | +5.1% | $691M | -2.5% |
| Oct 22, 2025 | $0.56 | $0.59 | +5.0% | $678M | -2.5% |
| Jul 22, 2025 | $0.51 | $0.53 | +3.9% | $647M | -7.0% |
| Jan 21, 2025 | $0.46 | $0.49 | +6.5% | $490M | +2.7% |
| Oct 22, 2024 | $0.46 | $0.46 | +0.0% | $486M | +0.8% |
| Jul 23, 2024 | $0.44 | $0.46 | +4.5% | $476M | +0.4% |
| Jan 23, 2024 | $0.48 | $0.46 | -4.2% | $465M | +3.5% |
| Jul 25, 2023 | $0.50 | $0.54 | +8.0% | $464M | +3.6% |
| Jan 24, 2023 | $0.57 | $0.56 | -1.8% | $556M | +14.1% |
| Jul 26, 2022 | $0.39 | $0.46 | +17.9% | $427M | +9.2% |
| Jan 18, 2022 | $0.28 | $0.37 | +32.1% | $208M | -10.8% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 22, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
Priorities include driving organic growth and returning capital to shareholders. Investing in talent, recently strengthening commercial leadership team. Accelerating efficiency and scalability through technology and AI investments, achieving record adjusted efficiency ratio in top decile of industry. Operating in a higher for longer rate environment, balance sheet neutral to short end of curve, granular low-cost deposit base helps contain funding costs
Guidance
Full year loan growth expected to be 4% to 6%, may trend to higher end. NII guidance unchanged. Fee income expected to trend toward higher end of full-year guide. Expense guidance unchanged despite better-than-expected first quarter outcome
Segment performance
Loan growth: Total loans grew 8% annualized, led by 16.9% annualized growth in CNI. Deposits: Total deposits increased 4.2% annualized. Earnings: GAAP 1Q earnings per share of 59 cents; adjusted earnings per share were 61 cents. Capital: CET 1 over 11%, tangible book value per share grew 6% annualized and 11% year over year
Risks & headwinds
Risks include higher for longer rate outlook and continued industry uncertainty. Impact of sub-debt issuance and seasonal factors on net interest income. Regulatory changes, especially proposed capital rule changes, could impact capital position and operations
Analyst Q&A
Q: Walk through major drivers of NII momentum going forward?
A: More cooperative yield curve, $5.5 billion pipeline up 14% year over year, balanced business mix of TRE vs CNI.
Q: On expenses and hiring, how does it relate to guidance?
A: Expense guidance unchanged due to robust talent pipeline.
Q: On loan growth and capital rules, impact?
A: Loan growth driven by go-to-market strategies, proposed capital rules could provide capital optionality for future growth