NASDAQ$FRME

First Merchants Corporation · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Announced second quarter earnings per share.

First Merchants Corporation reported second quarter net income available to common stockholders of $38.5 million, with diluted earnings per common share totaling $0.63. The results included acquisition costs of $29.3 million, which reduced diluted earnings per common share by $0.38. Total assets reached $17.8 billion, and loans totaled $11.4 billion.

  • Net income available to common stockholders was $38.5 million and diluted earnings per common share totaled $.63.
  • Completed legal closing on the acquisition of Level One Bancorp, Inc. on April 1, 2022.
  • Adjusted net income was $60.0 million and adjusted diluted earnings per share totaled $1.01.
  • Total loans grew $2.0 billion during the second quarter which included $1.6 billion from the acquisition of Level One.

Headline financials

Total Revenue

$157M

Previous: $135M+16.1%
EPS (adj)

$1.01

Previous: $1.03-1.9%
Net Interest Margin

3.3%

Previous: 3.2%+1.9%
Tangible Common Equity Ratio

7.0%

Previous: 9.0%-22.1%
Total Risk-Based Capital Ratio

12.7%

Previous: 14.2%-10.5%
Free Cash Flow

$39M

Previous: $55.6M-29.8%
Net Income

$39M

Previous: $55.6M-29.8%
Operating Income

$102M

Previous: $109M-6.2%
Gross Profit

$140M

Previous: $135M+3.7%
Cash & Equivalents

$349M

Previous: $606M-42.4%
Total Assets

$17.8B

Previous: $14.9B+19.1%
Stock-Based Comp

$1.14M

Previous: $1.21M-5.3%

Revenue & EPS history

First Merchants · Revenue · Quarterly

$157M

Q2 2022+16.1%vs Q2 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

CEO stated that First Merchants is encouraged by second quarter annualized organic loan growth of 20 percent combined with core margin expansion of 22 basis points and that the legal close of Level One was a key accomplishment of the second quarter improving their prospects for future growth.

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 Q2 2022

Historical avgQ2 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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