What is the current annual net margin of ONB?

As of today, ONB annual net margin is 17.91%

What is 1-year change in ONB annual net margin?

ONB annual net margin is down -1.81% year-over-year

What is 3-year change in ONB annual net margin?

ONB annual net margin is down -26.30% over the past 3 years

How far is ONB annual net margin from its all-time high?

ONB annual net margin is currently -44.93% below its historical high of 32.52% set on December 31, 2021

How does ONB annual net margin rank versus sector peers?

ONB annual net margin is higher than 60.53% of companies in Financial Services sector

When is ONB next annual earnings release?

The next annual earnings release for ONB is on January 20, 2027

What is the current quarterly net margin of ONB?

As of today, ONB quarterly net margin is 24.30%

What is ONB quarterly net margin most recent change?

ONB quarterly net margin was up +0.58% on September 30, 2026

What is 1-year change in ONB quarterly net margin?

ONB quarterly net margin is up +39.41% year-over-year

How far is ONB quarterly net margin from its all-time high?

ONB quarterly net margin is currently -39.52% below its historical high of 40.18% set on March 31, 2021

How does ONB quarterly net margin rank versus sector peers?

ONB quarterly net margin is higher than 75.97% of companies in Financial Services sector

When is ONB next earnings release?

The next earnings release for ONB is on January 20, 2027

ONB Net Margin History & Chart Since 1985

Annual Net Margin

17.91%0.33%-1.81%

December 31, 2025

Summary

Current Value: As of today, ONB annual net margin is 17.91%, down -1.81% on December 31, 2025
Historical Performance: ONB annual net margin is down -26.30% over the past 3 years, down -28.56% over the past 5 years
All-Time High Comparison: ONB annual net margin is currently -44.93% below its historical high of 32.52% set on December 31, 2021
3-Year Low Comparison: ONB annual net margin is at its 3-year low
Sector Comparison: ONB annual net margin is higher than 60.53% of companies in Financial Services sector

Net Margin Chart

beforeafter

Performance

ONB Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Net Margin	Dec 31, 25	17.91%	-1.8%	-26.3%	-28.6%	+120.0%
Quarterly Net Margin	Sep 30, 26	24.30%	+39.4%	+8.0%	-26.6%	+94.4%
Price	Oct 29, 26	$25.23	+24.9%	+85.5%	+47.7%	+116.9%
PE Ratio	Oct 29, 26	10.32	-13.1%	+64.6%	+7.7%	-47.1%
Annual Revenue	Dec 31, 25	$3.74B	+26.4%	+112.0%	+313.9%	+696.0%
Annual Net Income	Dec 31, 25	$669.26M	+24.1%	+56.3%	+195.6%	+1651.3%
Annual Gross Margin	Dec 31, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Operating Margin	Dec 31, 25	22.52%	-3.4%	-12.6%	-31.7%	+97.2%

Net Margin Highs

ONB Annual Net Margin Highs Comparison
Period	High	Date	Current
3Y	24.30%	N/A	-26.3%
5Y	32.52%	Dec 31, 21	-44.9%
All	32.52%	Dec 31, 21	-44.9%

Net Margin Lows

ONB Annual Net Margin Lows Comparison
Period	Low	Date	Current
3Y	17.91%	Dec 31, 25	at low
5Y	17.91%	Dec 31, 25	at low
All	2.60%	Dec 31, 09	+588.9%

Net Margin History

Year	Value	Change
2025	17.91%	-1.8%
2024	18.24%	-20.4%
2023	22.91%	-5.7%
2022	24.30%	-25.3%
2021	32.52%	+29.7%
2020	25.07%	-2.1%
2019	25.60%	+8.9%
2018	23.51%	+66.1%
2017	14.15%	-32.4%
2016	20.92%	+10.0%
2015	19.01%	+6.1%
2014	17.91%	-6.9%
2013	19.23%	+12.2%
2012	17.14%	+20.6%
2011	14.21%	+74.6%
2010	8.14%	+213.1%
2009	2.60%	-76.7%
2008	11.14%	-8.3%
2007	12.15%	-7.7%
2006	13.17%	-4.4%
2005	13.77%	+32.4%

Year	Value	Change
2004	10.40%	-2.3%
2003	10.64%	-37.8%
2002	17.11%	+36.6%
2001	12.53%	+50.2%
2000	8.34%	-44.1%
1999	14.93%	+2.5%
1998	14.56%	+14.4%
1997	12.73%	-7.1%
1996	13.70%	+4.5%
1995	13.11%	-11.5%
1994	14.82%	-1.0%
1993	14.97%	+9.4%
1992	13.68%	+26.3%
1991	10.83%	+17.7%
1990	9.20%	-12.4%
1989	10.50%	-9.9%
1988	11.65%	-9.2%
1987	12.83%	-6.7%
1986	13.75%	+8.1%
1985	12.72%	-

FAQ

What is the current annual net margin of ONB?: As of today, ONB annual net margin is 17.91%
What is 1-year change in ONB annual net margin?: ONB annual net margin is down -1.81% year-over-year
What is 3-year change in ONB annual net margin?: ONB annual net margin is down -26.30% over the past 3 years
How far is ONB annual net margin from its all-time high?: ONB annual net margin is currently -44.93% below its historical high of 32.52% set on December 31, 2021
How does ONB annual net margin rank versus sector peers?: ONB annual net margin is higher than 60.53% of companies in Financial Services sector
When is ONB next annual earnings release?: The next annual earnings release for ONB is on January 20, 2027

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Quarterly Net Margin

24.30%0.14%+0.58%

September 30, 2026

Summary

Current Value: As of today, ONB quarterly net margin is 24.30%, up +0.58% on September 30, 2026
Historical Performance: ONB quarterly net margin is up +39.41% year-over-year, up +8.00% over the past 3 years
All-Time High Comparison: ONB quarterly net margin is currently -39.52% below its historical high of 40.18% set on March 31, 2021
3-Year Low Comparison: ONB quarterly net margin is +85.50% above its 3-year low of 13.10% reached on June 30, 2025
Sector Comparison: ONB quarterly net margin is higher than 75.97% of companies in Financial Services sector

Performance

ONB Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Net Margin	Sep 30, 26	24.30%	+0.6%	+39.4%	+8.0%	-26.6%
Annual Net Margin	Dec 31, 25	17.91%	–	-1.8%	-26.3%	-28.6%
Price	Oct 29, 26	$25.23	-4.5%	+24.9%	+85.5%	+47.7%
PE Ratio	Oct 29, 26	10.32	-12.2%	-13.1%	+64.6%	+7.7%
Quarterly Revenue	Sep 30, 26	$1.05B	-0.4%	-0.2%	+59.1%	+382.5%
Quarterly Net Income	Sep 30, 26	$253.99M	+0.2%	+39.1%	+71.8%	+254.0%
Quarterly Gross Margin	Sep 30, 26	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Operating Margin	Sep 30, 26	30.97%	-3.4%	+7.5%	+2.5%	-25.0%

Quarterly Net Margin Highs

ONB Quarterly Net Margin Highs Comparison
Period	High	Date	Current
1Y	24.30%	Sep 30, 26	at high
3Y	24.30%	Sep 30, 26	at high
5Y	37.70%	Dec 31, 22	-35.5%
All	40.18%	Mar 31, 21	-39.5%

Quarterly Net Margin Lows

ONB Quarterly Net Margin Lows Comparison
Period	Low	Date	Current
1Y	17.43%	N/A	+39.4%
3Y	13.10%	Jun 30, 25	+85.5%
5Y	-9.18%	Mar 31, 22	+364.7%
All	-10.31%	Dec 31, 17	+335.7%

Quarterly Net Margin History

Month	Value	Change
Sep 2026	24.30%	+0.6%
Jun 2026	24.16%	+3.2%
Mar 2026	23.41%	+9.0%
Dec 2025	21.47%	+23.2%
Sep 2025	17.43%	+33.1%
Jun 2025	13.10%	-34.5%
Mar 2025	19.99%	-1.5%
Dec 2024	20.29%	+9.2%
Sep 2024	18.58%	+15.2%
Jun 2024	16.13%	-9.8%
Mar 2024	17.89%	-6.7%
Dec 2023	19.18%	-14.8%
Sep 2023	22.50%	-9.2%
Jun 2023	24.77%	-4.3%
Mar 2023	25.88%	-31.4%
Dec 2022	37.70%	+30.9%
Sep 2022	28.79%	+11.0%
Jun 2022	25.94%	+382.6%
Mar 2022	-9.18%	-134.6%
Dec 2021	26.50%	-20.0%
Sep 2021	33.12%	+11.9%
Jun 2021	29.60%	-26.3%
Mar 2021	40.18%	+25.4%
Dec 2020	32.04%	-7.5%
Sep 2020	34.65%	+47.9%
Jun 2020	23.43%	+133.6%
Mar 2020	10.03%	-54.2%
Dec 2019	21.92%	-24.6%
Sep 2019	29.07%	+11.0%
Jun 2019	26.19%	+4.9%
Mar 2019	24.96%	+14.9%
Dec 2018	21.73%	-15.0%
Sep 2018	25.55%	+17.6%
Jun 2018	21.72%	-14.2%
Mar 2018	25.31%	+345.5%
Dec 2017	-10.31%	-144.3%
Sep 2017	23.25%	-0.1%
Jun 2017	23.28%	+4.0%
Mar 2017	22.38%	+14.2%
Dec 2016	19.59%	-6.0%
Sep 2016	20.84%	-14.5%
Jun 2016	24.37%	+30.0%
Mar 2016	18.74%	-8.9%
Dec 2015	20.57%	-17.2%
Sep 2015	24.85%	+46.8%
Jun 2015	16.93%	+24.8%
Mar 2015	13.57%	-30.8%
Dec 2014	19.60%	+9.8%
Sep 2014	17.85%	+28.7%
Jun 2014	13.87%	-31.5%
Mar 2014	20.26%	+8.1%
Dec 2013	18.74%	+3.7%
Sep 2013	18.07%	-16.8%
Jun 2013	21.71%	+17.9%
Mar 2013	18.41%	+14.9%
Dec 2012	16.02%	+1.9%
Sep 2012	15.72%	-22.3%
Jun 2012	20.24%	+24.1%
Mar 2012	16.31%	-0.2%
Dec 2011	16.34%	+30.7%
Sep 2011	12.50%	-11.5%
Jun 2011	14.12%	+2.3%
Mar 2011	13.80%	+173.8%
Dec 2010	5.04%	-51.5%
Sep 2010	10.39%	+19.4%
Jun 2010	8.70%	+4.1%
Mar 2010	8.36%	+216.8%
Dec 2009	-7.16%	-327.3%
Sep 2009	3.15%	-53.3%
Jun 2009	6.75%	-4.8%
Mar 2009	7.09%	+48.6%
Dec 2008	4.77%	-62.2%
Sep 2008	12.63%	-8.4%
Jun 2008	13.79%	+8.8%
Mar 2008	12.68%	-8.2%

Month	Value	Change
Dec 2007	13.81%	-6.5%
Sep 2007	14.77%	+18.3%
Jun 2007	12.48%	+73.3%
Mar 2007	7.20%	-37.5%
Dec 2006	11.52%	-17.5%
Sep 2006	13.96%	+4.1%
Jun 2006	13.41%	-1.1%
Mar 2006	13.56%	+24.2%
Dec 2005	10.92%	-30.6%
Sep 2005	15.73%	+6.2%
Jun 2005	14.81%	+31.9%
Mar 2005	11.23%	-12.1%
Dec 2004	12.78%	+0.9%
Sep 2004	12.66%	+75.6%
Jun 2004	7.21%	-43.2%
Mar 2004	12.69%	+264.7%
Dec 2003	3.48%	-52.7%
Sep 2003	7.36%	-49.6%
Jun 2003	14.61%	-7.4%
Mar 2003	15.77%	-22.7%
Dec 2002	20.40%	+3.3%
Sep 2002	19.75%	+18.3%
Jun 2002	16.69%	+2.3%
Mar 2002	16.31%	+17.6%
Dec 2001	13.87%	-2.9%
Sep 2001	14.28%	+35.6%
Jun 2001	10.53%	-9.2%
Mar 2001	11.60%	+44.6%
Dec 2000	8.02%	+16.4%
Sep 2000	6.89%	-47.7%
Jun 2000	13.18%	+152.5%
Mar 2000	5.22%	-62.8%
Dec 1999	14.05%	-7.4%
Sep 1999	15.17%	-1.4%
Jun 1999	15.39%	+1.9%
Mar 1999	15.10%	+4.1%
Dec 1998	14.51%	-4.0%
Sep 1998	15.12%	+6.3%
Jun 1998	14.23%	+6.4%
Mar 1998	13.37%	-25.0%
Dec 1997	17.83%	-31.4%
Sep 1997	25.98%	+5.5%
Jun 1997	24.62%	-0.6%
Mar 1997	24.77%	-1.1%
Dec 1996	25.04%	+6.9%
Sep 1996	23.42%	-5.5%
Jun 1996	24.79%	-0.3%
Mar 1996	24.87%	+10.9%
Dec 1995	22.42%	-12.1%
Sep 1995	25.52%	+7.6%
Jun 1995	23.71%	+3.5%
Mar 1995	22.91%	-5.6%
Dec 1994	24.28%	+0.9%
Sep 1994	24.07%	-1.7%
Jun 1994	24.49%	+4.3%
Mar 1994	23.49%	+1.9%
Dec 1993	23.06%	-5.4%
Sep 1993	24.38%	-2.9%
Jun 1993	25.11%	-1.7%
Mar 1993	25.54%	+13.6%
Dec 1992	22.48%	-9.0%
Sep 1992	24.71%	+0.3%
Jun 1992	24.64%	+0.6%
Mar 1992	24.49%	+16.4%
Dec 1991	21.04%	-13.8%
Sep 1991	24.42%	+4.9%
Jun 1991	23.29%	+4.8%
Mar 1991	22.22%	+13.3%
Dec 1990	19.61%	-18.8%
Sep 1990	24.15%	+8.2%
Jun 1990	22.32%	-0.4%
Mar 1990	22.42%	-9.9%
Dec 1989	24.89%	-5.3%
Sep 1989	26.29%	+4.2%
Jun 1989	25.23%	-

FAQ

What is the current quarterly net margin of ONB?: As of today, ONB quarterly net margin is 24.30%
What is ONB quarterly net margin most recent change?: ONB quarterly net margin was up +0.58% on September 30, 2026
What is 1-year change in ONB quarterly net margin?: ONB quarterly net margin is up +39.41% year-over-year
How far is ONB quarterly net margin from its all-time high?: ONB quarterly net margin is currently -39.52% below its historical high of 40.18% set on March 31, 2021
How does ONB quarterly net margin rank versus sector peers?: ONB quarterly net margin is higher than 75.97% of companies in Financial Services sector
When is ONB next earnings release?: The next earnings release for ONB is on January 20, 2027

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Data Sources & References

ONB Official Website www.oldnational.com
Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/707179/000162828026002789/0001628280-26-002789-index.htm
ONB Profile on Yahoo Finance finance.yahoo.com/quote/ONB
ONB Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/onb