Old National Bancorp (ONB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Old National Bancorp (ONB) reported revenue of $698.6 million for Q4 2025, marking a year-over-year increase of 40.9% and an EPS of $0.62 compared to $0.49 a year ago [1] - The revenue fell short of the Zacks Consensus Estimate of $706.83 million by 1.16%, while the EPS exceeded the consensus estimate of $0.59 by 4.38% [1] Financial Performance Metrics - Efficiency Ratio stood at 51.6%, better than the four-analyst average estimate of 53.3% [4] - Net interest margin (FTE) was reported at 3.7%, slightly above the average estimate of 3.6% [4] - Net charge-offs to average loans were at 0.3%, matching the average estimate [4] - Average balance of total earning assets was $64.46 billion, exceeding the estimated $64.03 billion [4] - Total noninterest income was $109.76 million, below the average estimate of $121.5 million [4] - Net Interest Income (FTE) reached $588.85 million, slightly above the estimated $585.32 million [4] - Service charges on deposit accounts were $27.52 million, slightly below the estimated $27.79 million [4] - Wealth and investment services fees totaled $39.01 million, below the average estimate of $40.04 million [4] - Mortgage banking revenue was reported at $11.05 million, exceeding the estimated $9.72 million [4] Stock Performance - Shares of Old National Bancorp have returned -0.6% over the past month, compared to a -0.4% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]