NASDAQ$ONB
Old National Bancorp · Q4 2021 earnings
Q4 2021 earnings · · Investor relations
Briefing
Old National reported record net income driven by commercial loan growth.
Old National Bancorp reported a Q4 2021 net income of $56.2 million, with a diluted EPS of $0.34. The quarter's results were influenced by merger-related charges. Excluding these charges, the adjusted net income stood at $60.9 million, or $0.37 per diluted share. Strong commercial production resulted in 6.9% annualized commercial loan growth.
- Net income was $56.2 million, or $0.34 per diluted share.
- Net interest income on a fully taxable equivalent basis was $150.2 million.
- Total commercial loans increased by $162.5 million, excluding PPP loans.
- Period-end total loans were $13,637.3 million.
Headline financials
Revenue & EPS history
Old National · Revenue · Quarterly
$198M
Revenue by segment
Old National · $30.6M total across 5 segments · Q4 2021
- Wealth mgmt. fees$9.83M+6.2%32.1%
- Mortgage banking$7.34M-54.8%24.0%
- Capital markets$6.39M-2.3%20.9%
- Other income$4.3M+11.3%14.0%
- Life insurance income$2.74M-13.2%8.9%
Forward guidance
This communication includes “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, with respect to Old National’s future plans, objectives, performance, revenues, growth, profits, operating expenses or Old National’s underlying assumptions
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2021
-0.0%
Avg return
Earnings day
+1.0%
Avg return
5 days after
+2.6%
Avg return
30 days after
54%
37 / 69 earnings
Positive
+10.8%
Q2 2020
Best reaction
-8.0%
Q4 2015
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -2.0% | -0.1% | +0.6% | |
| Q4 2025 | +4.9% | +3.4% | +10.0% | |
| Q3 2025 | +0.4% | +0.5% | +2.0% | |
| Q2 2025 | -1.0% | -1.3% | +3.8% | |
| Q1 2025 | +3.8% | +8.5% | +8.1% | |
| Q4 2024 | +2.2% | +0.6% | +4.5% | |
| Q3 2024 | +0.2% | -0.8% | +12.1% | |
| Q2 2024 | +0.5% | +2.3% | -5.5% | |
| Q1 2024 | +0.8% | +0.7% | +1.6% | |
| Q4 2023 | -0.4% | +1.2% | -1.9% | |
| Q3 2023 | -3.8% | -1.9% | +5.6% | |
| Q2 2023 | +9.4% | +7.9% | -2.5% | |
| Q1 2023 | +0.9% | -0.7% | -5.6% | |
| Q4 2022 | -6.4% | -6.0% | -0.9% | |
| Q3 2022 | +4.0% | +5.7% | +2.8% | |
| Q2 2022 | +4.7% | +7.3% | +7.8% | |
| Q1 2022 | -1.0% | -1.6% | +3.0% | |
| Q4 2021 | -3.7% | -6.9% | -12.0% | |
| Q3 2021 | +3.9% | +3.9% | +7.0% | |
| Q2 2021 | +1.1% | -0.4% | +1.2% | |
| Q1 2021 | -3.0% | +0.4% | +0.8% | |
| Q4 2020 | +1.0% | +1.3% | -0.4% | |
| Q3 2020 | +3.5% | +7.0% | +18.7% | |
| Q2 2020 | +10.8% | +7.8% | +8.9% | |
| Q1 2020 | -1.0% | -0.9% | -2.4% | |
| Q4 2019 | -2.5% | -1.7% | -1.5% | |
| Q3 2019 | +4.0% | +5.4% | +5.9% | |
| Q2 2019 | +3.2% | +5.4% | +1.3% | |
| Q1 2019 | +0.6% | +0.9% | -1.4% | |
| Q4 2018 | -3.7% | -0.8% | +6.3% | |
| Q3 2018 | -6.5% | -9.3% | -3.0% | |
| Q2 2018 | +3.9% | +1.5% | +5.2% | |
| Q1 2018 | +7.4% | +4.2% | +7.4% | |
| Q4 2017 | -3.5% | -5.2% | -5.7% | |
| Q3 2017 | +1.1% | +0.8% | -5.1% | |
| Q2 2017 | -2.1% | -3.3% | -2.1% | |
| Q1 2017 | -1.4% | -3.7% | -6.6% | |
| Q4 2016 | +3.2% | +2.3% | +8.0% | |
| Q3 2016 | +0.5% | -0.2% | +18.6% | |
| Q2 2016 | -0.1% | +4.2% | +7.6% | |
| Q1 2016 | -4.6% | — | — | |
| Q4 2015 | -8.0% | — | — | |
| Q3 2015 | -3.2% | — | — | |
| Q2 2015 | +0.7% | — | — | |
| Q1 2015 | -4.7% | — | — | |
| Q4 2014 | +0.4% | — | — | |
| Q3 2014 | +8.2% | — | — | |
| Q2 2014 | -2.1% | — | — | |
| Q1 2014 | +0.1% | — | — | |
| Q4 2013 | -3.9% | — | — | |
| Q3 2013 | -2.6% | — | — | |
| Q2 2013 | -1.2% | — | — | |
| Q1 2013 | -5.1% | — | — | |
| Q4 2012 | +3.7% | — | — | |
| Q3 2012 | -7.2% | — | — | |
| Q2 2012 | +1.0% | — | — | |
| Q1 2012 | +0.5% | — | — | |
| Q4 2011 | -0.5% | — | — | |
| Q3 2011 | -3.1% | — | — | |
| Q4 2009 | -4.7% | — | — | |
| Q2 2011 | -4.7% | — | — | |
| Q4 2010 | -4.7% | — | — | |
| Q1 2010 | -0.8% | — | — | |
| Q1 2011 | +1.8% | — | — | |
| Q4 2008 | +1.0% | — | — | |
| Q3 2009 | +2.0% | — | — | |
| Q3 2010 | +2.0% | — | — | |
| Q2 2010 | +1.3% | — | — | |
| Q2 2009 | +1.3% | — | — |
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