What is the current annual operating margin of ONB?

As of today, ONB annual operating margin is 22.52%

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

ONB annual operating margin is down -3.35% year-over-year

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

ONB annual operating margin is down -12.58% over the past 3 years

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

ONB annual operating margin is currently -44.22% below its historical high of 40.37% set on December 31, 2021

How does ONB annual operating margin rank versus sector peers?

ONB annual operating margin is higher than 55.42% 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 operating margin of ONB?

As of today, ONB quarterly operating margin is 30.97%

What is ONB quarterly operating margin most recent change?

ONB quarterly operating margin was down -3.40% on September 30, 2026

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

ONB quarterly operating margin is up +7.50% year-over-year

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

ONB quarterly operating margin is currently -38.20% below its historical high of 50.11% set on March 31, 2021

How does ONB quarterly operating margin rank versus sector peers?

ONB quarterly operating margin is higher than 70.26% of companies in Financial Services sector

When is ONB next earnings release?

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

ONB Operating Margin History & Chart Since 1985

Annual Operating Margin

22.52%0.78%-3.35%

December 31, 2025

Summary

Current Value: As of today, ONB annual operating margin is 22.52%, down -3.35% on December 31, 2025
Historical Performance: ONB annual operating margin is down -12.58% over the past 3 years, down -31.72% over the past 5 years
All-Time High Comparison: ONB annual operating margin is currently -44.22% below its historical high of 40.37% set on December 31, 2021
3-Year Low Comparison: ONB annual operating margin is at its 3-year low
Sector Comparison: ONB annual operating margin is higher than 55.42% of companies in Financial Services sector

Operating Margin Chart

beforeafter

Performance

ONB Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Operating Margin	Dec 31, 25	22.52%	-3.4%	-12.6%	-31.7%	+97.2%
Quarterly Operating Margin	Sep 30, 26	30.97%	+7.5%	+2.5%	-25.0%	+67.6%
Price	Oct 30, 26	$25.09	+24.2%	+84.5%	+46.9%	+115.7%
PE Ratio	Oct 30, 26	10.26	-13.6%	+63.6%	+7.1%	-47.4%
Annual Revenue	Dec 31, 25	$3.74B	+26.4%	+112.0%	+313.9%	+696.0%
Annual Operating Profit	Dec 31, 25	$841.39M	+22.1%	+85.3%	+182.5%	+1468.7%
Annual Gross Margin	Dec 31, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Net Margin	Dec 31, 25	17.91%	-1.8%	-26.3%	-28.6%	+120.0%

Operating Margin Highs

ONB Annual Operating Margin Highs Comparison
Period	High	Date	Current
3Y	30.71%	Dec 31, 23	-26.7%
5Y	40.37%	Dec 31, 21	-44.2%
All	40.37%	Dec 31, 21	-44.2%

Operating Margin Lows

ONB Annual Operating Margin Lows Comparison
Period	Low	Date	Current
3Y	22.52%	Dec 31, 25	at low
5Y	22.52%	Dec 31, 25	at low
All	4.49%	Dec 31, 09	+401.6%

Operating Margin History

Year	Value	Change
2025	22.52%	-3.3%
2024	23.30%	-24.1%
2023	30.71%	+19.2%
2022	25.76%	-36.2%
2021	40.37%	+22.4%
2020	32.98%	+2.2%
2019	32.26%	+29.8%
2018	24.85%	-3.7%
2017	25.81%	+3.6%
2016	24.92%	-5.9%
2015	26.47%	-6.1%
2014	28.20%	+5.2%
2013	26.80%	+9.3%
2012	24.52%	+22.7%
2011	19.99%	+75.0%
2010	11.42%	+154.3%
2009	4.49%	-63.4%
2008	12.26%	-20.4%
2007	15.40%	+0.9%
2006	15.27%	+9.9%
2005	13.89%	+28.3%

Year	Value	Change
2004	10.83%	-19.8%
2003	13.51%	-33.5%
2002	20.32%	+15.7%
2001	17.57%	+14.3%
2000	15.37%	-19.9%
1999	19.20%	-5.3%
1998	20.28%	+13.7%
1997	17.84%	-8.1%
1996	19.41%	+8.0%
1995	17.98%	-6.8%
1994	19.29%	-5.6%
1993	20.44%	+7.0%
1992	19.11%	+32.7%
1991	14.40%	+25.9%
1990	11.44%	-4.6%
1989	11.99%	-6.5%
1988	12.82%	-14.9%
1987	15.07%	-3.5%
1986	15.61%	+12.3%
1985	13.90%	-

FAQ

What is the current annual operating margin of ONB?: As of today, ONB annual operating margin is 22.52%
What is 1-year change in ONB annual operating margin?: ONB annual operating margin is down -3.35% year-over-year
What is 3-year change in ONB annual operating margin?: ONB annual operating margin is down -12.58% over the past 3 years
How far is ONB annual operating margin from its all-time high?: ONB annual operating margin is currently -44.22% below its historical high of 40.37% set on December 31, 2021
How does ONB annual operating margin rank versus sector peers?: ONB annual operating margin is higher than 55.42% 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

Operating Margin Formula

Operating Profit Margin = Operating Income

Revenue × 100%

Quarterly Operating Margin

30.97%1.09%-3.40%

September 30, 2026

Summary

Current Value: As of today, ONB quarterly operating margin is 30.97%, down -3.40% on September 30, 2026
Historical Performance: ONB quarterly operating margin is up +7.50% year-over-year, up +2.55% over the past 3 years
All-Time High Comparison: ONB quarterly operating margin is currently -38.20% below its historical high of 50.11% set on March 31, 2021
3-Year Low Comparison: ONB quarterly operating margin is +50.63% above its 3-year low of 20.56% reached on June 30, 2025
Sector Comparison: ONB quarterly operating margin is higher than 70.26% of companies in Financial Services sector

Performance

ONB Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Operating Margin	Sep 30, 26	30.97%	-3.4%	+7.5%	+2.5%	-25.0%
Annual Operating Margin	Dec 31, 25	22.52%	–	-3.4%	-12.6%	-31.7%
Price	Oct 30, 26	$25.09	-5.0%	+24.2%	+84.5%	+46.9%
PE Ratio	Oct 30, 26	10.26	-12.8%	-13.6%	+63.6%	+7.1%
Quarterly Revenue	Sep 30, 26	$1.05B	-0.4%	-0.2%	+59.1%	+382.5%
Quarterly Operating Profit	Sep 30, 26	$323.77M	-3.7%	+7.3%	+63.1%	+262.1%
Quarterly Gross Margin	Sep 30, 26	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Net Margin	Sep 30, 26	24.30%	+0.6%	+39.4%	+8.0%	-26.6%

Quarterly Operating Margin Highs

ONB Quarterly Operating Margin Highs Comparison
Period	High	Date	Current
1Y	32.06%	Jun 30, 26	-3.4%
3Y	32.06%	Jun 30, 26	-3.4%
5Y	41.28%	N/A	-25.0%
All	50.11%	Mar 31, 21	-38.2%

Quarterly Operating Margin Lows

ONB Quarterly Operating Margin Lows Comparison
Period	Low	Date	Current
1Y	28.81%	N/A	+7.5%
3Y	20.56%	Jun 30, 25	+50.6%
5Y	-12.09%	Mar 31, 22	+356.2%
All	-12.09%	Mar 31, 22	+356.2%

Quarterly Operating Margin History

Month	Value	Change
Sep 2026	30.97%	-3.4%
Jun 2026	32.06%	+5.8%
Mar 2026	30.31%	+3.2%
Dec 2025	29.36%	+1.9%
Sep 2025	28.81%	+40.1%
Jun 2025	20.56%	-20.5%
Mar 2025	25.85%	+18.5%
Dec 2024	21.82%	-12.0%
Sep 2024	24.80%	+6.0%
Jun 2024	23.40%	+1.1%
Mar 2024	23.15%	-8.2%
Dec 2023	25.22%	-16.5%
Sep 2023	30.20%	-7.7%
Jun 2023	32.73%	-8.5%
Mar 2023	35.77%	+11.1%
Dec 2022	32.19%	-12.5%
Sep 2022	36.78%	+16.5%
Jun 2022	31.58%	+361.2%
Mar 2022	-12.09%	-138.1%
Dec 2021	31.73%	-23.1%
Sep 2021	41.28%	+14.1%
Jun 2021	36.18%	-27.8%
Mar 2021	50.11%	+13.7%
Dec 2020	44.06%	+12.8%
Sep 2020	39.07%	+32.9%
Jun 2020	29.39%	+226.9%
Mar 2020	8.99%	-66.7%
Dec 2019	27.02%	-21.9%
Sep 2019	34.60%	+7.6%
Jun 2019	32.16%	+4.5%
Mar 2019	30.77%	+76.8%
Dec 2018	17.40%	-39.9%
Sep 2018	28.95%	+14.9%
Jun 2018	25.20%	-12.2%
Mar 2018	28.71%	+140.3%
Dec 2017	11.95%	-59.8%
Sep 2017	29.70%	+1.4%
Jun 2017	29.30%	+2.6%
Mar 2017	28.57%	+32.1%
Dec 2016	21.63%	-29.5%
Sep 2016	30.67%	+41.3%
Jun 2016	21.71%	-15.9%
Mar 2016	25.82%	-10.4%
Dec 2015	28.81%	-16.9%
Sep 2015	34.66%	+31.8%
Jun 2015	26.29%	+7.4%
Mar 2015	24.48%	-6.1%
Dec 2014	26.08%	+5.8%
Sep 2014	24.64%	+26.2%
Jun 2014	19.53%	-28.7%
Mar 2014	27.40%	+1.1%
Dec 2013	27.11%	+16.6%
Sep 2013	23.26%	-27.7%
Jun 2013	32.18%	+30.4%
Mar 2013	24.68%	-2.4%
Dec 2012	25.28%	+23.1%
Sep 2012	20.54%	-29.0%

Month	Value	Change
Jun 2012	28.93%	+27.7%
Mar 2012	22.65%	-5.9%
Dec 2011	24.06%	+30.2%
Sep 2011	18.48%	-3.8%
Jun 2011	19.20%	+7.6%
Mar 2011	17.85%	+60.4%
Dec 2010	11.13%	-6.9%
Sep 2010	11.96%	-3.6%
Jun 2010	12.41%	+21.5%
Mar 2010	10.21%	+281.7%
Dec 2009	-5.62%	-265.8%
Sep 2009	3.39%	-36.9%
Jun 2009	5.37%	-24.8%
Mar 2009	7.14%	+2.9%
Dec 2008	6.94%	-51.2%
Sep 2008	14.21%	+54.5%
Mar 2008	9.20%	-58.5%
Dec 2007	22.16%	+27.3%
Sep 2007	17.41%	+10.7%
Jun 2007	15.73%	+74.2%
Mar 2007	9.03%	-30.4%
Dec 2006	12.97%	-33.2%
Jun 2006	19.42%	+17.4%
Mar 2006	16.54%	+3.0%
Dec 2005	16.06%	-18.3%
Sep 2005	19.66%	+9.5%
Jun 2005	17.95%	+7.2%
Mar 2005	16.74%	+13.3%
Dec 2004	14.78%	+4.5%
Sep 2004	14.14%	+120.2%
Jun 2004	6.42%	-56.7%
Mar 2004	14.82%	+493.1%
Dec 2003	-3.77%	-150.1%
Sep 2003	7.52%	-63.9%
Jun 2003	20.85%	+3.4%
Mar 2003	20.16%	-21.4%
Dec 2002	25.64%	+33.5%
Sep 2002	19.21%	-9.9%
Jun 2002	21.33%	+0.7%
Mar 2002	21.19%	-49.3%
Dec 2001	41.76%	+120.3%
Sep 2001	18.96%	+4.1%
Jun 2001	18.21%	+38.1%
Mar 2001	13.19%	+41.7%
Dec 2000	9.31%	-47.5%
Sep 2000	17.73%	-3.0%
Jun 2000	18.27%	+10.4%
Mar 2000	16.55%	+14.1%
Dec 1999	14.50%	-29.6%
Sep 1999	20.59%	-1.6%
Jun 1999	20.93%	+0.1%
Mar 1999	20.90%	+5.7%
Dec 1998	19.77%	-3.1%
Sep 1998	20.40%	+0.1%
Jun 1998	20.38%	+7.1%
Mar 1998	19.03%	-

FAQ

What is the current quarterly operating margin of ONB?: As of today, ONB quarterly operating margin is 30.97%
What is ONB quarterly operating margin most recent change?: ONB quarterly operating margin was down -3.40% on September 30, 2026
What is 1-year change in ONB quarterly operating margin?: ONB quarterly operating margin is up +7.50% year-over-year
How far is ONB quarterly operating margin from its all-time high?: ONB quarterly operating margin is currently -38.20% below its historical high of 50.11% set on March 31, 2021
How does ONB quarterly operating margin rank versus sector peers?: ONB quarterly operating margin is higher than 70.26% of companies in Financial Services sector
When is ONB next earnings release?: The next earnings release for ONB is on January 20, 2027

Operating Margin Formula

Operating Profit Margin = Operating 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