NASDAQ$FRME

First Merchants Corporation · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

Reported a net income of $36.2 million and EPS of $0.67.

First Merchants Corporation reported third quarter net income of $36.2 million, a slight decrease compared to $36.8 million in the same period of 2019. Earnings per share totaled $0.67, down from $0.71 in Q3 2019. Total assets reached $13.7 billion, and loans totaled $9.2 billion. The loan portfolio increased by $940 million, driven by Payroll Protection Program (PPP) loans. Net-interest income increased to $92.9 million, and non-interest income rose to $26.2 million.

  • Net income for the third quarter 2020 was $36.2 million, compared to $36.8 million in the third quarter 2019.
  • Earnings per share totaled $0.67, compared to $0.71 in the third quarter of 2019.
  • Total assets equaled $13.7 billion, and loans totaled $9.2 billion as of September 30, 2020.
  • Net-interest income for the quarter totaled $92.9 million, up nearly $4 million from the third quarter of 2019.

Headline financials

Total Revenue

$119M

Previous: $111M+7.2%
EPS (adj)

$0.67

Previous: $0.88-23.9%
Net Interest Margin

3.1%

No prior period
Efficiency Ratio

51.4%

No prior period
Tangible Common Equity Ratio

9.6%

No prior period
Total Risk-Based Capital Ratio

14.4%

No prior period
Free Cash Flow

$36.2M

Previous: $36.8M-1.5%
Net Income

$36.2M

Previous: $36.8M-1.5%
Operating Income

$74.3M

Previous: $57.3M+29.7%
Gross Profit

$107M

Previous: $110M-3.5%
Cash & Equivalents

$439M

Previous: $202M+116.7%
Total Assets

$13.7B

Previous: $12.3B+11.5%
Stock-Based Comp

$1.14M

Previous: $1.06M+6.9%

Revenue & EPS history

First Merchants · Revenue · Quarterly

$119M

Q3 2020+7.2%vs Q3 2019
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Revenue by segment

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

  • Net Interest Income
    $105M

Forward guidance

First Merchants is confident about its future and ability to serve communities, shareholders, and teammates.

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 Q3 2020

Historical avgQ3 2020

+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%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro