Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Old National Bancorp (NAS:ONB) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Old National Bancorp Effective Interest Rate on Debt % Related Terms
Old National Bancorp Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for Old National Bancorp's Effective Interest Rate on Debt % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Old National Bancorp Effective Interest Rate on Debt % Chart
ONB vs SSB, ZION, CFR: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Old National Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Old National Bancorp Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Old National Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Old National Bancorp's Effective Interest Rate on Debt % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 16.88% mean?
Old National Bancorp (ONB) has a Effective Interest Rate on Debt % of 16.88% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Old National Bancorp and its competitors.
Is Old National Bancorp's Effective Interest Rate on Debt % too high?
Old National Bancorp's current Effective Interest Rate on Debt % is 16.88%. Overall, Old National Bancorp has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old National Bancorp's Effective Interest Rate on Debt % compare to SSB and ZION?
Old National Bancorp's Effective Interest Rate on Debt % of 16.88% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Old National Bancorp and its competitors. Old National Bancorp's current Effective Interest Rate on Debt % is 16.88%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Old National Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Old National Bancorp (ONB) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.73, compared to a current price of $26.42 — trading 16.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 16.88%. Old National Bancorp's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Old National Bancorp (ONB), the current Effective Interest Rate on Debt % is 16.88% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Old National Bancorp (ONB) Overvalued in 2026?
Based on GuruFocus' analysis, Old National Bancorp stock appears to be overvalued.
The current stock price of $26.42 is trading 16.2% above its estimated GF Value™ of $22.73.
GuruFocus considers Old National Bancorp to be Modestly Overvalued.
Key valuation signals for ONB:
Effective Interest Rate on Debt %: 16.88%
GF Value™: $22.73 vs. price of $26.42 (16.2% above fair value)
No single metric tells the full story. See the ONB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Old National Bancorp is a provider of lending and deposit services. The bank offers comprehensive wealth management, trust, investment advisory, brokerage, and foreign currency services. For businesses, it provides treasury management, merchant, and capital markets services as well as community development lending and equity investment solutions intended to produce jobs and revitalize its communities. It earns interest income on loans as well as fee income from the origination of loans and from providing other services to its clients.
66GF Score
Get the complete analysis for ONB
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ONB has been successfully added to your 
