NASDAQ$FRME

First Merchants Corporation · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Briefing

Reported an increase in net income and earnings per share compared to the same period in 2020.

First Merchants Corporation reported a net income of $52.8 million for Q3 2021, a 45.7% increase compared to Q3 2020. Earnings per share totaled $0.98, up from $0.67 in the same period last year. The corporation experienced organic loan growth of $503.9 million over the last twelve months, which was offset by the forgiveness of PPP loans.

  • Net income increased by 45.7% compared to Q3 2020.
  • Earnings per share increased to $0.98 compared to $0.67 in Q3 2020.
  • Total assets equaled $15.1 billion as of September 30, 2021.
  • Net interest income for the quarter totaled $104.7 million, an increase of 12.7 percent from Q3 2020.

Headline financials

Total Revenue

$133M

Previous: $119M+11.9%
EPS (adj)

$0.98

Previous: $0.67+46.3%
Net Interest Margin

3.2%

Previous: 3.1%+1.6%
Efficiency Ratio

51.2%

Previous: 51.4%-0.4%
Tangible Common Equity Ratio

8.9%

Previous: 9.6%-6.6%
Total Risk-Based Capital Ratio

14.0%

Previous: 14.4%-2.5%
Free Cash Flow

$52.8M

Previous: $36.2M+45.7%
Net Income

$52.8M

Previous: $36.2M+45.7%
Operating Income

$104M

Previous: $74.3M+40.7%
Gross Profit

$133M

Previous: $107M+25.0%
Cash & Equivalents

$539M

Previous: $439M+22.8%
Total Assets

$15.1B

Previous: $13.7B+9.6%
Stock-Based Comp

$1.22M

Previous: $1.14M+7.2%

Revenue & EPS history

First Merchants · Revenue · Quarterly

$133M

Q3 2021+11.9%vs Q3 2020
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Revenue by segment

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

  • Net Interest Income
    $105M

Forward guidance

The company remains optimistic about the remainder of 2021 and its ability to deliver high levels of performance in 2022.

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 2021

Historical avgQ3 2021

+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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