NASDAQ$FRME

First Merchants Corporation · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Reported earnings per share for the third quarter of 2023.

First Merchants Corporation reported a net income available to common stockholders of $55.9 million and diluted earnings per common share of $0.94 for the third quarter of 2023. Total assets equaled $18.0 billion and loans totaled $12.3 billion.

  • Net income available to common stockholders was $55.9 million and diluted earnings per common share totaled $0.94.
  • Strong capital position with Common Equity Tier 1 Capital Ratio of 11.26 percent.
  • Total loans grew $4.9 million, or 0.2 percent annualized on a linked quarter basis.
  • Total deposits increased $65.4 million, or 1.8 percent annualized on a linked quarter basis.

Headline financials

Total Revenue

$161M

Previous: $170M-5.1%
EPS (adj)

$0.94

Previous: $1.12-16.1%
Net Interest Margin

3.3%

Previous: 3.5%-7.3%
Efficiency Ratio

53.9%

Previous: 53.3%+1.1%
Tangible Common Equity Ratio

7.7%

Previous: 6.7%+15.5%
Free Cash Flow

$56.4M

Previous: $63.8M-11.6%
Net Income

$56.4M

Previous: $63.8M-11.6%
Operating Income

$44.5M

Previous: $122M-63.4%
Gross Profit

$159M

Previous: $170M-6.3%
Cash & Equivalents

$474M

Previous: $299M+58.4%
Total Assets

$18B

Previous: $17.7B+1.6%
Stock-Based Comp

$1.36M

Previous: $1.19M+14.7%

Revenue & EPS history

First Merchants · Revenue · Quarterly

$161M

Q3 2023-5.1%vs Q3 2022
Beat estimate in 4 of 14 quarters(29%)
ActualEstimate

Revenue by segment

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

  • Net Interest Income
    $105M

Forward guidance

First Merchants continued to deliver top quartile operating returns while tactically managing the inflationary, interest rate environment and are focused on meeting the demands of their customer base while planning for continued 2024 growth and performance.

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 2023

Historical avgQ3 2023

+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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