Old National Bancorp Q4 adjusted EPS $0.62, full-year $2.21; record adjusted efficiency ratio 46%

OLD NATIONAL BANCORP /IN/

2025-FY EPS reported $1.79 vs consensus $0.60 ▲ beat (+198.9%)

Q4 net income applicable to common shares $212.6M ($0.55 diluted); adjusted $241.0M ($0.62).
Full-year net income $653.1M ($1.79 diluted); adjusted $808.6M ($2.21), both records.
Net interest margin 3.65% (+1bp QoQ); deposit cost 1.80% (-17bps); loan growth 6.4% annualized.
Adjusted efficiency ratio improved to 46.0% from 48.1% in Q3; disciplined expense management.
Credit quality stable: NCOs 27bps (16bps excl. PCD); nonaccrual 1.07%; capital Tier 1 common 11.08%.

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