Old National Bancorp — Earnings Quality Grade F
ONB · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue grew 33.9% but CFFO only 9.5%
Expense Quality
No material inventory
CapEx growth 45.6% vs revenue 33.9%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.02. Profits backed by cash
FCF $0.6B, FCF/NI = 0.95
Accruals ratio = -0.0%. Low accruals
Cash $1.8B covers only 26% of debt $7.1B
Balance Sheet Health
Goodwill+Intangibles $2.9B = 34% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 27% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor ONB continuously
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Altman Z-Score — Not Applicable
Old National Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25