Old National Bancorp - Deposita (ONBPP) Fair Value 2026

ONBPP · National Commercial Banks ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

4.0 /10

32 fundamental signals · 12 models active

Value Trap Risk

SAFE (18/100)

Quick Summary — As of 2026-07-15, Old National Bancorp - Deposita (ONBPP) trades at $25.11, approximately 15% above CirclFi’s Bayesian DCF fair value of $21.88. QOC: 4.0/10. Value Trap Risk: 18/100 (SAFE). 12/13 models active.

Key Facts

Ticker
ONBPP
Price
$25.11
Quality Score
4.0/10
Value Trap Risk
18/100
Models Active
12/13
Last Updated
Strength: CUCE Ensemble suggests +57.3% upside with 2% confidence
Risk: Below-average Quality Score of 4.0/10 signals weak fundamentals

Is Old National Bancorp - Deposita (ONBPP) Undervalued or Overvalued in 2026?

According to CirclFi’s 12-model valuation engine, Old National Bancorp - Deposita (ONBPP) appears fairly valued as of : the median of 12 independent fair value estimates is $24.84, within 1.1% of the current price of $25.11. Estimates range from $6.48 to $90.39. ONBPP scores 4.0/10 on fundamental quality and 18/100 on value-trap risk.

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Old National Bancorp - Deposita Stock in 2026? →

Valuation Matrix

12 Intrinsic Value Models vs. Current Price ($25.11)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
Medium Conviction
$21.88 -12.9%
Earnings Power Value
High Conviction
$26.34 +4.9%
CUCE Ensemble
Low Conviction
$39.49 +57.3%
First Chicago
Medium Conviction
$27.20 +8.3%

Unlock the Full Matrix

Access 8 additional models including EROIC Spread, Markov DDM, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 12 Models →

Cancel anytime · No contracts · Instant access

What Is Old National Bancorp - Deposita (ONBPP) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Old National Bancorp - Deposita presents a highly debated valuation profile at its current price of $25.11. The composite intrinsic value is estimated at $34.11 (+35.9% average upside), masking a wide model spread between the 4 bullish models and 5 bearish models. Model dispersion is worth noting: Dynamic NAV targets $90.39 (+260.0%), versus Markov DDM at $6.48 (-74.2%). This +334.2% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About ONBPP?

12 of 13 models are currently active for ONBPP. Of these, 6 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates ONBPP's intrinsic value at $21.88, implying -12.9% downside from the current price. See which stocks rank higher →

How Does ONBPP Rank in National Commercial Banks?

Among 88 National Commercial Banks stocks, ONBPP ranks #81 by Quality of Company score. CirclFi's QOC score of 4.0/10 evaluates 32 fundamental signals. A score of 4.0 signals below-average fundamentals.

See all Most Undervalued National Commercial Banks Stocks →

Within the National Commercial Banks space, Old National Bancorp - Deposita competes in an environment where cost-to-income ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is ONBPP a Value Trap?

CirclFi's Value Trap algorithm assigns ONBPP a score of 18/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for Old National Bancorp - Deposita. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Old National Bancorp - Deposita's fundamental quality profile registers 4.0/10. This mixed score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +334.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every ONBPP valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across ONBPP's 12 active models, average confidence is 37%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Old National Bancorp - Deposita Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar National Commercial Banks Stocks Should You Also Analyze?

8 related National Commercial Banks stocks with 13-model coverage

Read investment analysis: CBNA · CARE · SHBI · WABC · FSUN

See all National Commercial Banks stocks ranked →

Frequently Asked Questions About Old National Bancorp - Deposita

What is Old National Bancorp - Deposita's intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Old National Bancorp - Deposita (ONBPP) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $21.88. The Quality of Company score is 4.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is ONBPP overvalued or undervalued right now?

At $25.11, 6 of 12 active models suggest ONBPP may be undervalued, while 6 indicate potential overvaluation. The median of all 12 fair value estimates is $24.84, within 1.1% of the current price of $25.11 — a consensus view that ONBPP is fairly valued. The assessment depends on which methodology best fits Old National Bancorp - Deposita's business model in National Commercial Banks.

What does a Quality of Company score of 4.0 mean for ONBPP?

Old National Bancorp - Deposita's QOC of 4.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores below 5 flag potential fundamental weaknesses requiring careful analysis.

How many valuation models does CirclFi run on ONBPP?

CirclFi analyzes ONBPP with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Is ONBPP a value trap in 2026?

Old National Bancorp - Deposita's Value Trap score is 18/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 12-model valuation engine, Old National Bancorp - Deposita (ONBPP) has a median fair value of $24.84 — within 1.1% of the current price of $25.11 — as of 2026-07-15.” Source: circlfi.com/stock/ONBPP/ · Methodology

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 12 mathematical frameworks give you clarity on ONBPP.

Unlock All 12 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access