10 Year Financial Data of Old National Bancorp (ONB)

13.57 (1y: +17%)

Market Cap	1.34 B	P/E(ttm)	14.30
Enterprise Value	2.5 B	P/B	1.10

ONB- NYSE (USA)
Old National Bancorp

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$13.57

2 Severe Warning Signs 2 Medium Warning Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-3	-5.1	1.4
EBITDA Growth (%)	-8.1	36.3	15.7
Free Cash Flow Growth (%)	-9.1	24.3	25.3
Book Value Growth (%)	2	1.3	6.6

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	6.61	6.18	5.53	5.50	5.70	6.24	5.53	4.47	4.81	5.15	5.08	1.30	1.31	1.20	1.34	1.23
EBITDA per Share	1.53	1.37	1.73	1.63	1.54	1.09	0.11	0.67	1.25	1.52	1.55	0.36	0.45	0.37	0.34	0.39
Free Cashflow per Share	2.91	1.26	1.34	1.82	1.13	0.65	0.37	1.02	1.40	0.99	1.14	0.11	1.16	-0.74	0.46	0.26
Earnings per Share ($)	1.00	0.97	0.93	1.20	1.14	0.95	0.14	0.44	0.76	0.95	0.96	0.23	0.29	0.20	0.23	0.24
Dividends Per Share	0.69	0.72	0.76	0.84	0.88	0.92	0.44	0.28	0.28	0.36	0.37	0.09	0.09	0.09	0.09	0.10
Book Value per Share	10.20	10.04	9.48	9.71	9.94	11.11	11.82	10.11	10.91	12.34	11.81	11.08	11.32	12.35	11.77	11.81
Month End Stock Price	20.86	24.76	21.64	18.92	14.96	18.16	12.43	11.89	11.65	11.87	13.75	13.14	12.01	13.61	11.87	13.75
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	9.80	9.60	9.80	12.40	11.50	8.50	1.60	4.30	7.00	7.70	8.00	8.40	10.00	6.80	7.60	8.00
Return on Assets %	0.80	0.80	0.80	1.00	1.00	0.80	0.20	0.50	0.80	1.00	0.80	1.20	1.20	0.80	0.80	0.80
Return on Capital - Joel Greenblatt %	21.30	21.00	36.50	42.10	21.40	11.60	--	18.10	32.70	30.70	23.60	42.80	60.40	28.80	32.80	23.60
Debt to Equity	2.85	2.36	1.94	1.65	1.98	2.03	1.22	0.82	0.69	0.69	0.98	0.61	0.58	0.62	0.69	0.98

Operating Margin %	17.10	17.20	24.80	26.10	24.60	15.00	-1.90	11.20	21.90	25.60	27.40	24.40	30.60	22.30	25.10	27.40
Net Margin %	15.20	15.60	16.80	21.80	20.00	15.20	3.50	9.80	15.90	18.40	19.10	17.60	21.80	17.20	17.00	19.10

Debt to Revenue	4.39	3.83	3.32	2.92	3.46	3.62	2.61	1.85	1.57	1.66	9.42	5.20	4.98	6.44	6.10	9.42
Interest Exp. to Revenue %	58.60	57.93	57.82	58.50	58.56	59.31	58.60	56.21	59.87	61.93	63.06	60.19	61.02	64.47	62.20	63.06

Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	--	-1,440	-0.50	-0.30	-0.30	-0.30	-0.30	-0.20	-0.30	-0.30	-0.30
Dividend Payout Ratio	0.69	0.75	0.82	0.70	0.77	0.97	2.29	0.64	0.37	0.38	0.42	0.39	0.31	0.44	0.40	0.42
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	272	251	219	213	219	243	231	218	273	309	314	74.27	75.97	74.15	84.36	79.05
Non Interest Income	192	182	160	151	155	167	163	170	183	190	187	49.13	48.54	40.87	51.27	46.32
Revenue	464	433	379	364	374	410	395	389	456	499	501	123	125	115	136	125

Selling, General, &Admin. Expense	180	203	156	168	172	209	239	219	240	240	244	57.93	58.77	61.53	62.03	61.62
Credit Losses Provision	85.00	22.40	23.10	7.00	4.12	51.46	63.28	30.78	7.47	5.03	3.82	2.06	0.39	0.40	2.18	0.85
Other Expenses	91.50	112	81.51	80.60	97.03	78.04	84.29	80.35	89.83	106	101	29.04	22.63	17.80	36.77	23.54
Earnings Before DDA	108	95.77	118	108	101	71.90	7.98	58.60	118	147	152	34.38	42.72	35.28	34.65	39.36

Depreciation, Depletion and Amortization	28.10	21.13	24.49	13.04	8.84	10.30	15.36	15.12	18.50	19.25	19.96	4.32	4.62	9.68	0.62	5.03

Operating Income	79.44	74.64	93.84	94.95	92.21	61.60	-7.38	43.48	99.76	128	132	30.06	38.10	25.60	34.03	34.34
Net Income	70.41	67.57	63.76	79.37	74.89	62.48	13.74	38.21	72.46	91.68	93.90	21.72	27.21	19.74	23.01	23.95

Preferred dividends	--	--	--	--	--	0.30	3.89	--	--	--	--	--	--	--	--	--
Earnings per Share ($)	1.00	0.97	0.93	1.20	1.14	0.95	0.14	0.44	0.76	0.95	0.96	0.23	0.29	0.20	0.23	0.24
Total Shares Outstanding	70.17	70.02	68.56	66.14	65.69	65.78	71.37	86.93	94.77	96.83	102	94.83	94.87	96.13	102	102
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	222	205	245	210	255	163	462	107	192	264	154	144	165	180	264	154
Money Market Investments	--	49.54	174	322	41.09	30.12	35.62	144	31.25	--	--	16.86	97.95	37.04	--	--
Net Loan	5,482	4,902	4,859	4,649	4,643	4,710	3,839	3,675	4,714	5,154	5,073	4,611	4,665	5,198	5,154	5,073
Securities & Investments	2,932	2,976	2,500	2,341	2,276	2,225	2,882	2,598	2,559	2,907	3,244	2,728	2,675	2,726	2,907	3,244
Accounts Receivable	55.80	57.09	55.66	53.34	50.28	49.03	49.34	42.97	44.80	46.98	46.58	42.28	44.16	46.43	46.98	46.58
Property, Plant and Equipment	181	213	200	123	48.65	44.63	52.40	48.78	71.87	89.87	89.85	73.09	71.82	83.26	89.87	89.85
Intangible Assets	171	169	136	134	191	187	200	194	287	445	366	285	283	371	445	366
Other Assets	310	328	322	316	341	465	485	453	711	637	701	682	687	740	637	701
Total Assets	9,354	8,898	8,492	8,150	7,846	7,874	8,005	7,264	8,610	9,544	9,674	8,581	8,690	9,383	9,544	9,674

Total Deposits	6,493	6,414	6,466	6,321	5,663	5,422	5,903	5,463	6,612	7,279	7,066	6,668	6,670	7,221	7,279	7,066
Accounts Payable	--	--	--	--	--	236	228	202	249	243	227	221	326	234	243	227
Current Portion of Long-Term Debt	415	347	303	313	638	650	331	298	425	590	644	353	346	452	590	644
Long-Term Debt	1,624	1,313	955	748	657	835	699	422	291	237	537	289	274	289	237	537
Other liabilities	107	121	119	125	235	-0.00	-0.00	0.00	0.00	0.00	-0.00	-0.00	-0.00	0.00	0.00	-0.00
Total Liabilities	8,638	8,195	7,842	7,507	7,193	7,143	7,162	6,385	7,576	8,349	8,474	7,531	7,616	8,196	8,349	8,474

Common Stock	66.58	69.29	67.65	66.50	66.21	66.32	87.18	87.18	94.65	101	101	94.67	94.69	101	101	101
Preferred Stock	--	--	--	--	--	97.36	--	--	--	--	--	--	--	--	--	--
Retained Earnings	53.11	--	12.07	35.87	34.35	50.82	30.24	44.02	89.87	147	160	103	122	133	147	160
Additional Paid-In Capital	581	630	592	565	564	570	747	749	834	917	917	834	835	918	917	917
Total Equity	715	703	650	642	653	731	844	879	1,034	1,195	1,200	1,050	1,074	1,187	1,195	1,200
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	70.41	67.57	63.76	79.37	74.89	62.48	13.74	38.21	72.46	91.68	93.90	21.72	27.21	19.74	23.01	23.95
Depreciation, Depletion and Amortization	28.10	21.13	24.49	13.04	8.84	10.30	15.36	15.12	18.50	19.25	19.96	4.32	4.62	9.68	0.62	5.03
Cash Flow from Others	105	-0.59	3.45	27.69	-9.55	-18.26	11.20	43.18	52.78	3.37	16.54	-12.50	79.61	-96.41	32.67	0.68
Cash Flow from Operations	204	88.11	91.71	120	74.18	54.52	40.30	96.51	144	114	130	13.54	111	-66.99	56.30	29.65

Investment for Property, Plant & Equipement	--	--	--	--	--	-11.72	-13.94	-7.46	-11.49	-18.71	-18.09	-3.48	-1.59	-4.31	-9.34	-2.85
Cash Flow from Acquisitions	-12.84	--	--	10.51	-60.68	--	390	--	-151	--	--	--	--	--	--	--
Cash Flow from Investing	79.30	416	375	379	608	-113	602	437	1,005	-11.69	-381	-50.86	20.84	158	-139	-420

Net Issuance of Stock	-31.10	-20.31	-59.62	-28.67	-3.87	-0.46	197	-0.51	-1.30	-3.74	-4.22	-0.63	0.06	-0.08	-3.09	-1.11
Net Issuance of Preferred Stock	--	--	--	--	--	99.89	-101	--	--	--	--	--	--	--	--	--
Net Issuance of Debt	-257	-374	-389	-196	167	187	-458	-313	-308	93.93	520	-72.20	-23.73	106	84.14	353
Cash Flow for Dividends	-48.37	-50.28	-51.69	-55.57	-57.78	-60.80	-31.89	-24.36	-26.51	-34.66	-36.27	-8.51	-8.51	-8.53	-9.11	-10.12
Other Financing	53.81	-78.83	220	-123	-1,022	-238	55.77	-441	-842	-117	-235	56.21	2.51	-233	57.73	-62.18
Cash Flow from Financing	-283	-524	-281	-403	-917	-11.89	-338	-779	-1,178	-61.41	244	-25.12	-29.67	-136	130	280

Net Change in Cash	0.66	-19.89	185	95.49	-234	-70.66	304	-246	-28.68	41.19	-6.54	-62.43	103	-45.51	46.53	-110

Free Cash Flow	204	88.11	91.71	120	74.18	42.80	26.35	89.05	132	95.58	112	10.07	110	-71.30	46.96	26.80
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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ONB Quarterly/Annuals Reports

ONB: 10-Q - OLD NATIONAL BANCORP /IN/ (0000707179) (Filer): (10-Q) - 2012-11-02
ONB: 10-Q - OLD NATIONAL BANCORP /IN/ (0000707179) (Filer): (10-Q) - 2012-08-03
ONB: 10-Q - OLD NATIONAL BANCORP /IN/ (0000707179) (Filer): (10-Q) - 2012-05-08
ONB: 10-Q - OLD NATIONAL BANCORP /IN/ (0000707179) (Filer): (10-Q) - 2011-11-08
ONB: 10-Q - OLD NATIONAL BANCORP /IN/ (0000707179) (Filer): (10-Q) - 2011-08-05

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