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INDB vs ONB
Which Stock Would AI Choose? Independent Bank Corp. (INDB) vs. Old National Bancorp (ONB) Stock Comparison
Key Takeaways
- Both INDB and ONB operate as regional bank holding companies, but ONB boasts a larger market capitalization of approximately $9.17 billion compared to INDB's $3.58 billion.
- INDB shares have risen about 39.6% over the past year, trading around $78, supported by recent margin expansion in Q1 2026 earnings.
- ONB trades near $24, with a recent dividend hike and solid Q4 2025 EPS beat, reflecting steady profitability.
- INDB exhibits a higher P/E ratio (price-to-earnings) of 17.3 versus ONB's lower multiple, indicating differing growth expectations.
- Analyst targets suggest upside for both, with INDB at around $83–$94 and ONB near $24–$27.
- Recent market activity shows INDB with stronger momentum amid regional banking sector recovery.
Introduction
Independent Bank Corp. (INDB) and Old National Bancorp (ONB) represent regional banking peers navigating a dynamic interest rate environment and economic shifts. This stock comparison analyzes their business models, recent performance, and market positioning to aid investors and traders evaluating opportunities in the financial sector. With both stocks sensitive to net interest margins (NIM, the difference between interest income and expense) and loan growth, understanding relative strengths helps in portfolio allocation or swing trading strategies amid broader sector trends.
INDB Overview and Recent Performance
Independent Bank Corp. (INDB), the holding company for Rockland Trust Company, focuses on commercial banking in Massachusetts and surrounding New England states, offering deposits, loans, and wealth management. In recent market activity, INDB shares have traded around $78, reflecting a 39.6% gain over the past year. Q1 2026 results showed EPS (earnings per share) of $1.68, slightly missing estimates, but revenue beat at $252.72 million with notable NIM expansion and controlled loan growth, boosting sentiment. Analyst optimism persists, with targets up to $94, driven by strong momentum and regional deposit stability.
ONB Overview and Recent Performance
Old National Bancorp (ONB), parent of Old National Bank, provides consumer and commercial banking across the Midwest and Southeast, emphasizing diversified lending and fee-based services. Shares have hovered near $24 in recent weeks, within a 52-week range of $18.83–$26.17. Q4 2025 earnings featured adjusted EPS of $0.62, surpassing expectations, alongside a 3.6% dividend increase to $0.145 per share. Steady net interest income growth supports performance, though shares reflect broader sector pressures; targets around $24–$27 indicate moderate upside potential.
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Head-to-Head Comparison
Both INDB and ONB thrive on NIM and loan portfolios but differ in scale and geography: ONB’s larger footprint provides broader diversification, while INDB benefits from concentrated New England deposits. Growth drivers include INDB’s recent revenue acceleration (38.9% YoY) versus ONB’s consistent EPS beats; however, ONB offers a lower P/E, appealing to value seekers. Momentum favors INDB with higher yearly gains, but ONB shows lower volatility. Risks like non-performing loans (NCOs, net charge-offs) and rate sensitivity are shared, with sector sentiment buoyed by stabilizing economics.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward INDB for its superior recent momentum, NIM expansion, and elevated analyst targets relative to pricing, positioning it better for short-term outperformance in regional banking trends. ONB remains viable for dividend stability, but INDB edges ahead on trend consistency and catalysts.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is INDB is a Hold and ONB is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
INDB’s FA Score shows that 1 FA rating(s) are green whileONB’s FA Score has 1 green FA rating(s).
- INDB’s FA Score: 1 green, 4 red.
- ONB’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
INDB’s TA Score shows that 5 TA indicator(s) are bullish while ONB’s TA Score has 4 bullish TA indicator(s).
- INDB’s TA Score: 5 bullish, 5 bearish.
- ONB’s TA Score: 4 bullish, 6 bearish.
Price Growth
INDB (@Regional Banks) experienced а -3.10% price change this week, while ONB (@Regional Banks) price change was -4.64% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.86%. For the same industry, the average monthly price growth was +0.99%, and the average quarterly price growth was +17.06%.
Reported Earning Dates
INDB is expected to report earnings on Jul 16, 2026.
ONB is expected to report earnings on Jul 28, 2026.
Industries' Descriptions
@Regional Banks (-0.86% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| INDB | ONB | INDB / ONB | |
| Capitalization | 3.68B | 9.05B | 41% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 5.168 | 5.671 | 91% |
| P/E Ratio | 15.15 | 12.08 | 125% |
| Revenue | 923M | 2.74B | 34% |
| Total Cash | 203M | 492M | 41% |
| Total Debt | 776M | 7.36B | 11% |
INDB | ONB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 54 | 68 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 94 Overvalued | 46 Fair valued | |
PROFIT vs RISK RATING 1..100 | 87 | 48 | |
SMR RATING 1..100 | 14 | 10 | |
PRICE GROWTH RATING 1..100 | 54 | 50 | |
P/E GROWTH RATING 1..100 | 45 | 59 | |
SEASONALITY SCORE 1..100 | n/a | 26 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ONB's Valuation (46) in the Regional Banks industry is somewhat better than the same rating for INDB (94). This means that ONB’s stock grew somewhat faster than INDB’s over the last 12 months.
ONB's Profit vs Risk Rating (48) in the Regional Banks industry is somewhat better than the same rating for INDB (87). This means that ONB’s stock grew somewhat faster than INDB’s over the last 12 months.
ONB's SMR Rating (10) in the Regional Banks industry is in the same range as INDB (14). This means that ONB’s stock grew similarly to INDB’s over the last 12 months.
ONB's Price Growth Rating (50) in the Regional Banks industry is in the same range as INDB (54). This means that ONB’s stock grew similarly to INDB’s over the last 12 months.
INDB's P/E Growth Rating (45) in the Regional Banks industry is in the same range as ONB (59). This means that INDB’s stock grew similarly to ONB’s over the last 12 months.
| INDB | ONB | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 73% | 1 day ago 67% |
| Stochastic ODDS (%) | 1 day ago 50% | 1 day ago 54% |
| Momentum ODDS (%) | 1 day ago 66% | 1 day ago 62% |
| MACD ODDS (%) | 1 day ago 65% | 1 day ago 61% |
| TrendWeek ODDS (%) | 1 day ago 70% | 1 day ago 60% |
| TrendMonth ODDS (%) | 1 day ago 66% | 1 day ago 56% |
| Advances ODDS (%) | 9 days ago 61% | 9 days ago 57% |
| Declines ODDS (%) | 4 days ago 71% | 1 day ago 60% |
| BollingerBands ODDS (%) | 1 day ago 55% | 1 day ago 58% |
| Aroon ODDS (%) | 1 day ago 55% | 1 day ago 51% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| PIE | 31.69 | 0.55 | +1.77% |
| Invesco DW Emerging Markets Momt ETF | |||
| CTEF | 81.86 | 0.54 | +0.67% |
| Castellan Targeted Equity ETF | |||
| DFIP | 42.17 | N/A | +0.01% |
| Dimensional Inflation-Protected Sec ETF | |||
| ACSV | 45.78 | -0.57 | -1.23% |
| American Century Small Cp Val Insgts ETF | |||
| UCIB | 35.62 | -4.46 | -11.14% |
| UBS ETRACS BgCstMtCdy(CMCI)TtlRetETNSerB | |||
ONB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ONB has been closely correlated with FNB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if ONB jumps, then FNB could also see price increases.
| Ticker / NAME | Correlation To ONB | 1D Price Change % | ||
|---|---|---|---|---|
| ONB | 100% | -2.98% | ||
| FNB - ONB | 90% Closely correlated | -1.88% | ||
| ASB - ONB | 90% Closely correlated | -1.72% | ||
| ZION - ONB | 88% Closely correlated | -1.94% | ||
| FULT - ONB | 88% Closely correlated | -2.18% | ||
| UMBF - ONB | 88% Closely correlated | -2.02% | ||
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