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Old National Bancorp (ONB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 28, 2026 · Old National Bancorp (ONB) Q3 2026 earnings results →
Q3 2026 Revenue up 1% year over year to $713M · 36¢ of every $1 of revenue kept as net profit · operating margin 45.4%
Old National Bancorp made $713M in Q3 2026 (+1% Y/Y): Net interest income $584M, Noninterest income $128M. Operating margin 45.4%, net earnings $254M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 28, 2026.
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What changed this quarter
Revenue was $712.7M in Q3 2026, up 1% year over year and down 3% from the previous quarter. Net interest income was the largest line at 82% of revenue. Net interest income added $9.7M year over year (up 2%), 126% of the total change. Noninterest income declined 2%.
Operating profit was $323.8M, a 45.4% margin (up 12.4 points year over year). Of the extra revenue versus a year earlier, 1190% reached operating profit, above the 33% margin then. Total costs fell 18% while revenue rose 1%. The fastest-growing cost line was Other operating costs (+26%). Net earnings were $254.0M, up 39% year over year. The effective tax rate was 21.6%.
Operating cash flow was $379.1M (up 11% year over year), 149% of net earnings. Non-cash charges added back $35.9M of depreciation and amortization and $8.0M of share-based compensation. Working capital and other items added $81.2M. Capital expenditures of $5.8M left free cash flow of $373.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 28, 2026 | $713M | +1% | 45.4% | $254M | $379M |
| Q2 2026 | 10-Q | Jul 29, 2026 | $733M | +13% | 44.3% | $253M | $280M |
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About Old National Bancorp
Old National Bancorp, the financial holding company of Old National Bank, our wholly owned banking subsidiary (“Old National Bank”), is incorporated in the state of Indiana, is the sixth largest Midwestern-headquartered bank by asset size with consolidated assets of $72.2 billion at December 31, 2025, and ranks among the top 25 banking companies headquartered in the United States. The Company’s corporate headquarters and principal executive office are located in Evansville, Indiana with commercial and consumer banking operations headquartered in Chicago, Illinois. Through Old National Bank and our non-bank affiliates, we provide a wide range of services primarily throughout the Midwest and Southeast regions of the United States. In addition to providing extensive services in consumer and commercial banking, Old National offers comprehensive wealth management and capital markets services.
In its own words, from its 10-K, filed Feb 19, 2026.
Old National Bancorp against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +1% against the peers' median +6%. Operating margin: 45.4% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ONB Old National Bancorp | Q3 2026 | $713M | +1% | 45.4% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Old National Bancorp 10-Q on SEC EDGAR · CIK 707179 · National Commercial Banks
Guidance and outlook
13F: who owns ONB and who is buying
More on ONB
History
Every quarter: Q3 2026 results · Q2 2026 results