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Core Insights - Old National Bancorp (ONB) is well-positioned to continue its earnings-beat streak, having a history of surpassing earnings estimates, particularly in the last two quarters with an average surprise of 4.64% [1] Earnings Performance - For the last reported quarter, Old National Bancorp achieved earnings of $0.59 per share, exceeding the Zacks Consensus Estimate of $0.56 per share, resulting in a surprise of 5.36% [2] - In the previous quarter, the company was expected to report earnings of $0.51 per share but delivered $0.53 per share, yielding a surprise of 3.92% [2] Earnings Estimates and Predictions - There has been a favorable change in earnings estimates for Old National Bancorp, with a positive Earnings ESP (Expected Surprise Prediction) indicating a strong likelihood of an earnings beat, especially given its solid Zacks Rank [5] - Stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have historically produced a positive surprise nearly 70% of the time, suggesting a high probability of beating consensus estimates [6] Current Earnings ESP - Old National Bancorp currently has an Earnings ESP of +2.69%, indicating that analysts have recently become more optimistic about the company's earnings prospects [8] - This positive Earnings ESP, combined with a Zacks Rank of 2 (Buy), suggests that another earnings beat may be forthcoming, with the next earnings report expected on January 21, 2026 [8]

Wall Street analysts expect Old National Bancorp (ONB) to post quarterly earnings of $0.59 per share in its upcoming report, which indicates a year-over-year increase of 20.4%. Revenues are expected to be $706.83 million, up 42.6% from the year-ago quarter.Over the last 30 days, there has been no revision in the consensus EPS estimate for the quarter. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of this timeframe.Prior to a company's earnings re ...

Company Overview - Old National Bancorp is the holding company of Old National Bank, the sixth largest commercial bank headquartered in the Midwest [2] - The company serves clients primarily in the Midwest and Southeast, with approximately $71 billion in assets and $38 billion in assets under management [2] - Old National ranks among the top 25 banking companies in the United States and has a history dating back to 1834 [2] - The company focuses on building long-term partnerships with clients and supporting the communities it serves [2] - In 2025, Old National was recognized as one of "The Civic 50," an honor for the 50 most community-minded companies in the U.S. [2] Earnings Release Information - Old National will release its fourth-quarter and full-year 2025 earnings on January 21, 2026, at approximately 7:00 A.M. ET [1] - A conference call will follow on the same day at 10:00 A.M. ET, with dial-in numbers provided for U.S. and international participants [1] - The webcast will be available on Old National's Investor Relations website, with a replay accessible for one year after the call [1]

Core Points - Old National Bank (ONB) is celebrating its annual Client Appreciation Week from November 17 to 22, 2025, to express gratitude to clients and strengthen community connections [1][2] - The event includes various activities such as a $10,000 prize drawing, free document shredding services, financial education sessions, and community partner events [2][5] - Old National Bancorp, the parent company of ONB, is the sixth largest commercial bank in the Midwest, with approximately $71 billion in assets and $38 billion in assets under management [3] Company Overview - Old National Bancorp focuses on building long-term partnerships with clients while supporting community development [3] - The bank provides a wide range of services, including consumer and commercial banking, wealth management, and capital markets services [3] - In 2025, Old National was recognized as one of "The Civic 50," highlighting its commitment to community engagement [3]

Core Insights - 1834, a division of Old National Bank, has expanded its operations into Naples, Florida, to cater to the financial needs of high and ultra-high net-worth individuals and institutions in the region [1][2] - The Naples team is led by Jeff Robinson, who has over 20 years of experience in wealth management, focusing on delivering integrated wealth management services [2][3] - 1834 offers a boutique-style experience with customized wealth advisory and investment management services, competing with ultra-high-net-worth firms without requiring high entry fees [3][4] Company Overview - 1834 is supported by a team of industry-renowned executives with over 80 years of combined experience, and the firm has more than 100 team members across various locations [4][8] - The service model includes a single point of contact with a wealth advisor, complemented by a team of in-house professionals providing various services such as wealth planning, investment management, and estate planning [5][6] Team Composition - The Naples team includes experienced professionals such as Rick Sterioti, Jolene Wall, and Eric Cosentino, each bringing decades of expertise in wealth management and investment [6][7] - The team focuses on providing holistic advice tailored to the needs of high-net-worth individuals, including specialized services for business succession planning and philanthropy [5][6] Parent Company Information - Old National Bancorp, the parent company of 1834, is the sixth largest commercial bank headquartered in the Midwest, with approximately $71 billion in assets and $38 billion in assets under management [8]

Core Points - Old National Bancorp has been designated as a 2026 Military Friendly Employer, highlighting its commitment to supporting veterans and military employees [1][4] - The evaluation for the Military Friendly Employers designation involved over 1,200 companies and was based on a proprietary survey and public data [2] - Old National's Military Veteran's Impact Network (MVIN) plays a significant role in fostering a supportive culture for military team members [3] Company Overview - Old National Bancorp is the holding company for Old National Bank, the sixth largest commercial bank in the Midwest, with approximately $71 billion in assets and $38 billion in assets under management [6] - The bank focuses on building long-term partnerships with clients and has been recognized as one of "The Civic 50," which honors the 50 most community-minded companies in the U.S. [6]

Financial Performance - Net interest income for Q3 2025 was $574,609,000, an increase of 11.6% compared to $514,790,000 in Q2 2025[188] - Net income available to common shareholders rose to $178,533,000 in Q3 2025, up 47% from $121,375,000 in Q2 2025[188] - Noninterest income increased by 38% to $356,772 compared to $258,931 in 2024[190] - Net income available to common shareholders reached $440,533, reflecting a 18% increase from $373,214 in 2024[190] - Net interest income rose by $59.8 million to $574.6 million compared to the second quarter of 2025, driven by the full quarter impact of Bremer and higher asset yields[206] - Noninterest income for the third quarter of 2025 was $130.5 million, reflecting an increase of 38.6% compared to $94.1 million in the same quarter of 2024[213] - Net interest income increased to $184.7 million for the three months ended September 30, 2025, up by $60.5 million year-over-year, and $342.1 million for the nine months, an increase of $126.9 million[226] Loan and Deposit Growth - Total loans increased to $47,967,915,000 in Q3 2025, compared to $47,902,819,000 in Q2 2025, reflecting growth in lending activities[188] - Total loans grew to $47,967,915, a significant increase of 32% from $36,400,643 in 2024[190] - Total deposits reached $55,006,184,000 in Q3 2025, up from $54,357,683,000 in Q2 2025, showing strong customer retention and acquisition[188] - Total deposits rose to $55,006,184, marking a 35% increase from $40,845,746 in 2024[190] - Total deposits increased by $648.5 million, or 5% annualized, to $55.0 billion at September 30, 2025 compared to June 30, 2025[205] - Total deposits reached $55.0 billion, an increase of $14.2 billion or 34.7% from December 31, 2024, attributed to Bremer deposits and organic growth[265] Credit Quality and Loss Provisions - Provision for credit losses decreased to $26,738,000 in Q3 2025 from $106,835,000 in Q2 2025, indicating improved credit quality[188] - Provision for credit losses rose to $164,976, up 97% from $83,602 in the previous year[190] - Provision for credit losses was $26.7 million in the third quarter of 2025, with a significant increase in the year-to-date provision to $165.0 million compared to $83.6 million in 2024[213] - The allowance for credit losses on loans was $566,102 thousand as of September 30, 2025, up from $366,667 thousand in the previous year[220] - The allowance for credit losses on loans was $572.2 million at September 30, 2025, up from $392.5 million at December 31, 2024, reflecting $103.5 million of allowance for credit losses on acquired PCD loans[283] Efficiency and Operational Metrics - Return on average assets improved to 1.03% in Q3 2025, compared to 0.77% in Q2 2025, indicating enhanced operational efficiency[188] - The efficiency ratio for Q3 2025 was 58.84%, a slight increase from 55.80% in Q2 2025, suggesting a need for cost management[188] - The efficiency ratio was reported at 56.43%, slightly up from 56.37% in the previous year[190] - Noninterest expense for the three months ended September 30, 2025, was $445.7 million, a 63.7% increase from $272.3 million in the same period of 2024[240] - Total noninterest expense for the nine months ended September 30, 2025, reached $1.1 billion, up 34.4% from $817.6 million in 2024[241] Capital and Equity - The Tier 1 common equity ratio was 11.02% in Q3 2025, up from 10.74% in Q2 2025, reflecting a stronger capital position[188] - Shareholders' equity increased to $8,168,575 thousand in September 2025, compared to $6,190,071 thousand in September 2024, indicating a growth of 32%[220] - Shareholders' equity increased to $8.3 billion at September 30, 2025, up from $6.3 billion at December 31, 2024, due to the issuance of 50.2 million shares related to the Bremer acquisition[267] Acquisition Impact - The acquisition of Bremer Financial Corporation was completed on May 1, 2025, with a total consideration of $1.3 billion, including 50.2 million shares of Old National common stock and $314.6 million in cash[212] - Average loans increased by $11.9 billion for the three months and $7.7 billion for the nine months ended September 30, 2025, primarily due to the acquisition of Bremer loans totaling $11.2 billion[232] - Other income increased by $6.1 million for the three months and $38.1 million for the nine months ended September 30, 2025, driven by the acquisition of Bremer and a $21.0 million gain from the Bremer pension plan[239] Risk Management and Liquidity - The company performs stress testing periodically to ensure sufficient capital to continue operations during economic stress, evaluating decisions related to pricing, loan concentrations, and mergers[271] - The company has adopted a Risk Appetite Statement to assess and mitigate various risks, including credit, market, and liquidity risks[272] - Liquidity management strategies include maintaining strategic and contingency liquidity plans to ensure sufficient funding for balance sheet growth[296] - The company maintains significant liquidity, with access to $4,555,409,000 from the Federal Reserve discount window and $8,120,873,000 from the Federal Home Loan Bank[301] Projections and Future Outlook - Projected net interest income for September 30, 2025, is $4,716,381,000, reflecting a change of 0.20% from the base scenario[291] - Total interest income is expected to reach $9,079,196,000 by September 30, 2025, with a year-over-year increase driven by loan growth and asset repricing[293] - Projected interest expense for September 30, 2025, is $4,362,815,000, indicating a significant increase from previous periods[291]

Core Insights - Old National Bancorp (ONB) is a significant player in the Midwest financial services sector, offering a wide range of banking services and demonstrating consistent financial performance [1] Financial Performance - For the third quarter of 2025, ONB reported earnings of $0.59 per share, exceeding the Zacks Consensus Estimate of $0.56, resulting in a +5.36% earnings surprise [3] - The company's revenue for the quarter ending September 2025 was $713 million, which is 2.35% above the Zacks Consensus Estimate and a substantial increase from $492 million reported a year ago [4] - ONB's net income applicable to common shares for the third quarter was $178.5 million, with a diluted EPS of $0.46; on an adjusted basis, net income was $231.3 million, translating to a diluted EPS of $0.59 [5] Market Position - Cowen & Co. maintained a "Hold" rating for ONB, with the stock price at $21.05, and raised the price target from $25 to $26, indicating confidence in the company's financial trajectory [2] - The current stock price of ONB is $20.96, reflecting a slight decrease of 0.43%, with a market capitalization of approximately $8.21 billion [6]

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