Old National Bancorp (ONB) — Earnings Call X-Ray
Our AI read all 40 of ONB's earnings calls (2016–2025) and answered the same battery of questions about each one. Every past call is free; the newest quarter unlocks with a free account.
Previous Call Grade
B+
Q1 2025
Calls Analyzed
40
2016–2025
Avg Candor
7.6/9
evasion 1.7/9
Call-by-call analysis
🔒 Q2 2025 earnings call
2025-07-23
NEWEST
Guidance: ■■■■■Demand: ■■■■■■
Margins: ■■■■Backlog: ■■■■
■ analysts, ■■ questionsexpected move ±■■%
Management ■■■■■■ guidance against ■■■■■■■■ demand and ■■■■■■■ margins. The delivery was ■■■■■■■■ and ■■■■ in specifics, with ■■■ questions left hanging.
🔒 The Q2 2025 call grade is ready
The full 37-point AI read of ONB's newest earnings call — grade, expected move, and every question answered — is free with an account.
Sign up free to unlock
B+
Q1 2025 earnings call
2025-04-22
Management held guidance steady against steady demand and expanding margins. The delivery was unusually candid, rich in specifics, relaxed under questioning.
Guidance: maintainedDemand: stableMargins: expandingBacklog: growingPricing: stable 7 analysts · 17 questions
⚑ Critic ammunition✓ Skeptic reassured✓ Guidance underwritable✓ Resolves doubts✓ Volume step-up ahead⚑ Reads rehearsed
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
YES Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
NO Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
YES Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
YES Does the CFO speak more than the CEO?
YES Does the call read rehearsed rather than lived?
From the research question bank
12 more research questions answered NO
A
Q4 2024 earnings call
2025-01-21
Management held guidance steady against steady demand. The delivery was unusually candid, rich in specifics, relaxed under questioning.
Guidance: maintainedDemand: stableMargins: stableBacklog: stablePricing: stable 7 analysts · 19 questions
✓ Clean call✓ Skeptic reassured✓ Guidance underwritable✓ Resolves doubts
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
NO Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
NO Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
YES Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
B+
Q3 2024 earnings call
2024-10-22
Management held guidance steady against steady demand. The delivery was unusually candid, rich in specifics, relaxed under questioning.
Guidance: maintainedDemand: stableMargins: stablePricing: under pressureHeadcount: growing 8 analysts · 18 questions
⚑ Critic ammunition✓ Skeptic reassured✓ Guidance underwritable✓ Resolves doubts
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
NO Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
NO Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
A
Q2 2024 earnings call
2024-07-23
Management held guidance steady against steady demand. The delivery was unusually candid, rich in specifics, relaxed under questioning.
Guidance: maintainedDemand: stableMargins: stablePricing: stableHeadcount: growing 6 analysts · 16 questions
✓ Clean call✓ Skeptic reassured✓ Guidance underwritable✓ Resolves doubts⚑ Reads rehearsed
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
NO Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
NO Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
YES Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
YES Does the call read rehearsed rather than lived?
A
Q1 2024 earnings call
2024-04-23
Management held guidance steady against steady demand and contracting margins. The delivery was unusually candid, rich in specifics, relaxed under questioning.
Guidance: maintainedDemand: stableMargins: contractingPricing: under pressureHeadcount: growing 6 analysts · 17 questions
✓ Clean call✓ Skeptic reassured⚑ Question left hanging✓ Guidance underwritable✓ Resolves doubts
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
NO Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
YES Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
NO Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
YES Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
B
Q4 2023 earnings call
2024-01-23
Management held guidance steady against steady demand and contracting margins. The delivery was unusually candid, rich in specifics.
Guidance: maintainedDemand: stableMargins: contractingPricing: under pressureHeadcount: growing 5 analysts · 11 questions
⚑ Critic ammunition✓ Skeptic reassured✓ Guidance underwritable✓ Resolves doubtsCFO dominates
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
NO Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
YES Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
YES Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
B+
Q3 2023 earnings call
2023-10-24
Management raised guidance against steady demand and contracting margins. The delivery was unusually candid, rich in specifics.
Guidance: raisedDemand: stableMargins: contractingBacklog: shrinkingPricing: raisingHeadcount: growing 5 analysts · 17 questions
⚑ Critic ammunition✓ Skeptic reassured✓ Guidance underwritable✓ Resolves doubts⚑ Reads rehearsedCFO dominates
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
NO Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
NO Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
YES Does the CFO speak more than the CEO?
YES Does the call read rehearsed rather than lived?
Earlier calls
| Call | Date | Grade | Guidance | Demand | Margins | Candor | Evasion |
|---|
| Q2 2023 |
2023-07-30 |
A |
raised | slowing | contracting |
8/9 |
2/9 |
| Q1 2023 |
2023-04-25 |
B+ |
maintained | slowing | contracting |
8/9 |
2/9 |
| Q4 2022 |
2023-01-24 |
B+ |
maintained | stable | expanding |
7/9 |
2/9 |
| Q3 2022 |
2022-10-25 |
B+ |
raised | accelerating | expanding |
7/9 |
2/9 |
| Q2 2022 |
2022-07-26 |
B+ |
maintained | accelerating | expanding |
7/9 |
2/9 |
| Q1 2022 |
2022-04-26 |
B |
maintained | accelerating | expanding |
7/9 |
1/9 |
| Q4 2021 |
2022-01-18 |
B |
maintained | accelerating | contracting |
7/9 |
2/9 |
| Q3 2021 |
2021-10-19 |
B |
maintained | accelerating | stable |
7/9 |
2/9 |
| Q2 2021 |
2021-07-20 |
B+ |
maintained | accelerating | stable |
7/9 |
2/9 |
| Q1 2021 |
2021-04-19 |
B+ |
maintained | accelerating | contracting |
8/9 |
2/9 |
| Q4 2020 |
2021-01-19 |
B+ |
maintained | accelerating | contracting |
8/9 |
2/9 |
| Q3 2020 |
2020-10-19 |
C+ |
maintained | accelerating | contracting |
7/9 |
4/9 |
| Q3 2020 |
2020-10-19 |
B |
maintained | accelerating | contracting |
8/9 |
3/9 |
| Q2 2020 |
2020-07-20 |
B |
maintained | stable | contracting |
7/9 |
2/9 |
| Q1 2020 |
2020-04-20 |
B |
maintained | mixed | contracting |
8/9 |
2/9 |
| Q4 2019 |
2020-01-21 |
B+ |
maintained | stable | stable |
7/9 |
2/9 |
| Q3 2019 |
2019-10-21 |
B |
maintained | mixed | contracting |
7/9 |
2/9 |
| Q2 2019 |
2019-07-22 |
A |
maintained | stable | stable |
8/9 |
2/9 |
| Q1 2019 |
2019-04-22 |
B |
maintained | mixed | stable |
7/9 |
2/9 |
| Q4 2018 |
2019-01-22 |
B |
maintained | stable | expanding |
7/9 |
2/9 |
| Q3 2018 |
2018-10-22 |
B |
maintained | stable | expanding |
8/9 |
2/9 |
| Q2 2018 |
2018-07-23 |
B+ |
maintained | accelerating | expanding |
8/9 |
1/9 |
| Q1 2018 |
2018-04-23 |
A |
maintained | accelerating | expanding |
8/9 |
1/9 |
| Q4 2017 |
2018-01-23 |
A |
maintained | accelerating | expanding |
8/9 |
1/9 |
| Q3 2017 |
2017-10-24 |
B+ |
raised | accelerating | expanding |
8/9 |
2/9 |
| Q2 2017 |
2017-07-25 |
B+ |
maintained | accelerating | stable |
7/9 |
2/9 |
| Q1 2017 |
2017-04-25 |
B+ |
maintained | accelerating | stable |
8/9 |
1/9 |
| Q4 2016 |
2017-01-24 |
B+ |
maintained | accelerating | expanding |
8/9 |
1/9 |
| Q3 2016 |
2016-10-31 |
B+ |
maintained | accelerating | stable |
8/9 |
1/9 |
| Q2 2016 |
2016-08-01 |
B+ |
maintained | accelerating | contracting |
8/9 |
1/9 |
| Q1 2016 |
2016-05-02 |
B+ |
maintained | accelerating | stable |
8/9 |
1/9 |
| Q4 2015 |
2016-02-01 |
A |
maintained | accelerating | contracting |
8/9 |
1/9 |
How to read this page
The grade is a transparent composite of call quality — candor, specificity, low evasion, low stress, whether the call resolves more doubts than it creates, and the guidance action — not a buy or sell signal. The expected move is a volatility estimate from the one signal that survived our out-of-sample tests: how a stock's own reaction and pre-call volatility predict the size (not direction) of its next move. Full detail, including everything that failed: methodology.
Companies with similar call quality
← ON All “O” companies
ONC →
Not investment advice. Artul.ai publishes AI-generated earnings-call quality grades and expected-volatility estimates — never buy or sell recommendations. We tested over 1,600 predictive hypotheses against 165,000 transcripts; the honest result, including what failed, is documented in our
methodology.