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Old National Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$373M in Q3 2026 · $980M over twelve months

Operating cash flow$379M
Capital spending−$5.8M
Free cash flow+$373M
Cash / net income1.5×

Analysis

In Q3 2026, Old National Bancorp generated $379M of operating cash flow and spent $5.8M on capital projects, leaving free cash flow of $373M. That is $39.6M more than in Q3 2025 ($334M).

Over the twelve months to Sep 30, 2026, operating cash flow was $1.0B; the largest uses were other investing ($3.4B), buybacks ($345M), dividends ($238M); besides operations, cash came from other financing ($2.5B), net borrowing (+) / repaid (−) ($582M); the cash balance fell by $3.6M.

Operating cash flow was $379M against net income of $254M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$177M, prepaid and other assets −$103M, depreciation & amortization +$35.9M.

Free cash flow

Old National Bancorp: free cash flow by quarterOld National Bancorp: free cash flow by quarter$229MQ4 2024$102MQ1 2025$64.1MQ2 2025$334MQ3 2025$137MQ4 2025$193MQ1 2026$276MQ2 2026$373MQ3 2026
Operating cash flow less capital spending.
Old National Bancorp: operating cash flow against capital spendingOld National Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$236M$6.8MQ4 2024$108M$5.8MQ1 2025$72.9M$8.8MQ2 2025$341M$7.6MQ3 2025$159M$21.9MQ4 2025$206M$12.9MQ1 2026$280M$4.4MQ2 2026$379M$5.8MQ3 2026
Latest (Q3 2026): Operating cash flow $379M, Capital spending $5.8M.

Capital allocation, year by year

Old National Bancorp: where the cash came from (up) and went (down), by fiscal yearOld National Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $330MFY2021: Net borrowing $34.1MFY2021: Shares issued $583KFY2021: Asset sales $29.2MFY2021: Capital spending −$48.7MFY2021: Buybacks −$3.7MFY2021: Dividends −$92.8M$394MFY2021FY2022: Operating cash flow $814MFY2022: Net borrowing $175MFY2022: Shares issued $809KFY2022: Asset sales $4.5MFY2022: Capital spending −$37.9MFY2022: Buybacks −$71.2MFY2022: Dividends −$178M$994MFY2022FY2023: Operating cash flow $516MFY2023: Net borrowing $14.4MFY2023: Shares issued $1.1MFY2023: Asset sales $3.5MFY2023: Capital spending −$38.4MFY2023: Buybacks −$44.3MFY2023: Dividends −$180M$535MFY2023FY2024: Operating cash flow $622MFY2024: Net borrowing −$116MFY2024: Shares issued $1.0MFY2024: Asset sales $1.6MFY2024: Capital spending −$30.3MFY2024: Buybacks −$8.9MFY2024: Dividends −$191M$625MFY2024FY2025: Operating cash flow $681MFY2025: Net borrowing −$56.1MFY2025: Asset sales $2.4MFY2025: Capital spending −$44.1MFY2025: Buybacks −$71.8MFY2025: Dividends −$225M$684MFY2025
Over these 5 years operating cash flow totalled $3.0B; the largest uses were dividends ($867M) and buybacks ($200M). Cash-flow statements as filed.

Where the cash came from and went

Old National Bancorp: sources (+) and uses (−) of cash, Q3 2026Old National Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$517MOperating cash flow$379MOther financing$195MBuybacks−$100MCash drawn (+) / kept (−)$89.2MDividends−$59.5MNet borrowing (+) / repaid (−)$19.5MCapital spending−$5.8M
Old National Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Old National Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$3.4BOther financing$2.5BOperating cash flow$1.0BNet borrowing (+) / repaid (−)$582MBuybacks−$345MDividends−$238MCapital spending−$45.0MCash drawn (+) / kept (−)$3.6MAsset & business sales$347K

From profit to cash

Old National Bancorp: net income to operating cash flow, Q3 2026Old National Bancorp: net income to operating cash flow, Q3 2026Net income$254MDepreciation & amortization$35.9MStock-based pay$8.0MPrepaid and other assets−$103MOther liabilities$177MOperating cash flow$379M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$379M−$5.8M−$100M−$59.5M$19.5M—$89.2M$373M
Q2 2026$280M−$4.4M−$115M−$59.6M$55.8M—−$14.0M$276M
Q1 2026$206M−$12.9M−$104M−$60.1M$483M—$72.0M$193M
Q4 2025$159M−$21.9M−$25.1M−$58.6M$23.3M—−$144M$137M
Q3 2025$341M−$7.6M−$25.2M−$58.9M−$66.2M—$126M$334M
Q2 2025$72.9M−$8.8M−$8.0M−$58.9M$35.8M—−$569M$64.1M
Q1 2025$108M−$5.8M−$13.5M−$48.7M−$49.1M$250K−$11.8M$102M
Q4 2024$236M−$6.8M−$139K−$48.7M$97.4M$250K−$36.4M$229M

Old National Bancorp: income statement and cash flow

Old National Bancorp, Q3 2026: revenue $713M (+1% year over year), operating margin 45.4%. The chart follows the revenue to costs, profit and cash.

Old National Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.