Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Old National Bancorp, Stellar Bancorp or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Old National Bancorp, Stellar Bancorp and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Old National Bancorp, Stellar Bancorp and Inc.

Old National Bancorp operates as the bank holding company for Old National Bank that provides consumer and commercial banking services in the United States. It accepts deposit accounts, such as noninterest-bearing demand, interest-bearing checking and negotiable order of withdrawal, savings and money market, and time deposits. The company also offers loans, including home equity lines of credit, residential real estate loans, and consumer loans, as well as loans to commercial clients comprising commercial loans, commercial real estate loans, agricultural loans, letters of credit, and lease financing. In addition, it offers debit and automated teller machine cards, telephone access and online banking, and other electronic and mobile banking services. Further, the company offers private banking, wealth management, trust, investment advisory, brokerage, and foreign currency services; treasury management, merchant, and capital markets services for businesses; and community development lending and equity investment solutions. Old National Bancorp was founded in 1834 and is headquartered in Evansville, Indiana.

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It offers deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also provides commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services. In addition, it offers safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier’s checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.

Latest Banks and Old National Bancorp, Stellar Bancorp, Inc. Stock News

As of February 27, 2026, Old National Bancorp had a $9.0 billion market capitalization, compared to the Banks median of $537.3 million. Old National Bancorp’s stock is NA in 2026, NA in the previous five trading days and down 1.28% in the past year.

Currently, Old National Bancorp’s price-earnings ratio is 12.9. Old National Bancorp’s trailing 12-month revenue is $2.3 billion with a 29.1% net profit margin. Year-over-year quarterly sales growth most recently was 41.4%. Analysts expect adjusted earnings to reach $2.607 per share for the current fiscal year. Old National Bancorp currently has a 2.4% dividend yield.

Currently, Stellar Bancorp, Inc.’s price-earnings ratio is 19.4. Stellar Bancorp, Inc.’s trailing 12-month revenue is $416.5 million with a 24.9% net profit margin. Year-over-year quarterly sales growth most recently was -7.5%. Analysts expect adjusted earnings to reach $2.177 per share for the current fiscal year. Stellar Bancorp, Inc. currently has a 1.6% dividend yield.

How We Compare Old National Bancorp, Stellar Bancorp and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Old National Bancorp, Stellar Bancorp and Inc.’s stock grades to see how they measure up against one another.

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Old National Bancorp, Stellar Bancorp and Inc. Stock Value Grades

Company	Ticker	Value
Old National Bancorp	ONB	C
Stellar Bancorp, Inc.	STEL	C

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Old National Bancorp has a Value Score of 44, which is Average. Stellar Bancorp, Inc. has a Value Score of 51, which is Average.

The Value Stock Winner: No Clear Winner

Neither Old National Bancorp, Stellar Bancorp or Inc. has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Old National Bancorp, Stellar Bancorp or Inc. is the better investment when it comes to value.

Old National Bancorp, Stellar Bancorp and Inc.’s Momentum Grades

Company	Ticker	Momentum
Old National Bancorp	ONB	C
Stellar Bancorp, Inc.	STEL	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Old National Bancorp has a Momentum Score of 41, which is Average. Stellar Bancorp, Inc. has a Momentum Score of 68, which is Strong.

The Momentum Grade Winner: Stellar Bancorp, Inc.

As you can clearly see from the Momentum Grade breakdown above, Stellar Bancorp, Inc. is considered to have stronger momentum compared to Old National Bancorp. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Stellar Bancorp, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Old National Bancorp, Stellar Bancorp and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Old National Bancorp	ONB	C
Stellar Bancorp, Inc.	STEL	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Old National Bancorp has a Earnings Estimate Score of 59, which is Neutral. Stellar Bancorp, Inc. has a Earnings Estimate Score of 62, which is Positive.

The Earnings Estimate Revisions Grade Winner: Stellar Bancorp, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Stellar Bancorp, Inc. has a better Earnings Estimate Revisions Grade than Old National Bancorp. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Stellar Bancorp, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Old National Bancorp, Stellar Bancorp and Inc. Grades

In addition to Momentum, Value and Estimate Revisions, A+ Investor also provides grades for Growth and Quality.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Old National Bancorp, Stellar Bancorp and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Old National Bancorp, Stellar Bancorp or Inc. Stock?

Overall, Old National Bancorp stock has a Value Score of 44, Momentum Score of 41 and Estimate Revisions Score of 59.

Stellar Bancorp, Inc. stock has a Value Score of 51, Momentum Score of 68 and Estimate Revisions Score of 62.

Comparing Old National Bancorp, Stellar Bancorp and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.