NASDAQ$FRME

First Merchants Corporation · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Reported earnings per share for the first quarter of 2022.

First Merchants Corporation reported a net income of $48.6 million and diluted earnings per share of $0.91 for the first quarter of 2022. Total assets reached $15.5 billion, and loans totaled $9.4 billion. The corporation completed the legal closing on the acquisition of Level One Bancorp, LLC on April 1, 2022.

  • Net income was $48.6 million and diluted earnings per share totaled $0.91.
  • Total loans, excluding PPP loans, grew $165 million or 7.2% on a linked quarter basis.
  • Total deposits grew $173.4 million or 5.4% on a linked quarter basis.
  • Completed legal closing on the acquisition of Level One Bancorp, LLC on April 1, 2022.

Headline financials

Total Revenue

$128M

Previous: $125M+2.9%
EPS (adj)

$0.88

Previous: $0.91-3.3%
Tangible Common Equity Ratio

8.3%

Previous: 8.8%-5.4%
Total Risk-Based Capital Ratio

13.8%

Previous: 14.3%-3.3%
Free Cash Flow

$48.6M

Previous: $49.5M-1.8%
Net Income

$48.6M

Previous: $49.5M-1.8%
Operating Income

$106M

Previous: $100M+6.3%
Gross Profit

$128M

Previous: $125M+2.9%
Cash & Equivalents

$544M

Previous: $581M-6.4%
Total Assets

$15.5B

Previous: $14.6B+5.7%
Stock-Based Comp

$1.1M

Previous: $1.19M-7.6%

Revenue & EPS history

First Merchants · Revenue · Quarterly

$128M

Q1 2022+2.9%vs Q1 2021
Beat estimate in 7 of 16 quarters(44%)
ActualEstimate

Revenue by segment

First Merchants · $105M total across 1 segment · Q3 2021

  • Net Interest Income
    $105M

Forward guidance

The Bank’s loan, deposit and earnings growth were in line with expectations and colleagues are focused on delivering the aspirational 2022 plan.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2022

Historical avgQ1 2022

+0.1%

Avg return

Earnings day

+0.8%

Avg return

5 days after

+2.3%

Avg return

30 days after

48%

32 / 66 earnings

Positive

+11.2%

Q1 2010

Best reaction

-7.4%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.6%-0.1%-0.6%
Q4 2025-0.1%+4.4%+8.0%
Q3 2025-0.5%-0.1%+0.7%
Q2 2025-1.7%-0.1%+1.2%
Q1 2025-1.1%-2.7%+1.1%
Q4 2024+3.5%+7.5%+6.2%
Q3 2024-4.3%-0.6%+17.9%
Q2 2024+4.4%+2.0%-3.0%
Q1 2024-2.6%-4.7%-4.9%
Q4 2023-3.0%-2.6%-5.1%
Q3 2023+1.7%+3.6%+17.7%
Q2 2023-0.1%-2.3%-8.2%
Q1 2023-7.4%-3.0%-10.6%
Q4 2022+1.4%+6.1%+2.1%
Q3 2022+0.1%+1.3%-0.8%
Q2 2022+3.7%+9.8%+9.3%
Q1 2022-3.6%-6.7%-3.4%
Q4 2021-3.1%-3.5%-1.0%
Q3 2021-5.1%-4.1%-1.5%
Q2 2021+0.2%+1.6%+3.5%
Q1 2021+3.2%+3.4%+2.7%
Q4 2020-0.8%+3.8%+10.8%
Q3 2020-1.1%+0.9%+31.0%
Q2 2020+2.8%-1.4%-0.0%
Q1 2020+1.4%+9.5%-2.3%
Q4 2019+0.5%+3.6%-11.5%
Q3 2019+1.0%+3.5%+4.8%
Q2 2019-1.0%-0.1%-9.3%
Q1 2019-3.9%-4.6%-10.0%
Q4 2018-1.6%+0.9%+10.9%
Q3 2018+2.2%+3.6%+0.1%
Q2 2018+3.4%+0.3%+2.0%
Q1 2018-0.4%-1.4%+4.9%
Q4 2017+0.6%-1.1%-2.6%
Q3 2017+1.2%-0.9%-5.8%
Q2 2017-2.2%+0.4%-1.1%
Q1 2017-1.7%-1.3%-3.2%
Q4 2016+3.3%+2.3%+11.3%
Q3 2016+4.5%+1.1%+24.2%
Q2 2016+3.2%+2.2%+6.3%
Q1 2016+4.2%
Q4 2015+6.4%
Q3 2015+3.8%
Q2 2015-1.8%
Q1 2015-1.9%
Q4 2014-3.9%
Q3 2014+1.1%
Q2 2014-1.6%
Q1 2014+0.1%
Q4 2013+0.7%
Q3 2013+3.3%
Q2 2013-0.2%
Q1 2013+7.3%
Q4 2011+0.3%
Q4 2012-0.3%
Q3 2012+0.8%
Q2 2012-1.3%
Q1 2011+0.8%
Q1 2012-1.5%
Q4 2009+1.3%
Q3 2010-5.6%
Q3 2011-5.6%
Q2 2010-2.5%
Q4 2010-2.5%
Q2 2011-2.5%
Q1 2010+11.2%

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