NASDAQ$FRME

First Merchants Corporation · Q4 2022 earnings

Q4 2022 earnings · · Investor relations

Briefing

Announced record fourth quarter and full year 2022 results.

First Merchants Corporation reported a strong fourth quarter, with net income available to common stockholders reaching $70.3 million and diluted earnings per common share totaling $1.19. Total loans grew by $344.1 million, and net interest income increased to $149.0 million. The company also successfully integrated Level One Bancorp Inc.

  • Net income available to common stockholders was $70.3 million, with diluted earnings per common share at $1.19.
  • Adjusted net income available to common stockholders for the fourth quarter was $70.5 million, and adjusted diluted earnings per common share totaled $1.19.
  • Total loans grew by $344.1 million, or 11.8% annualized, excluding PPP loan forgiveness.
  • Net interest income totaled $149.0 million, an increase of $8.7 million, or 6.2% on a linked quarter basis.

Headline financials

Total Revenue

$173M

Previous: $127M+36.2%
EPS (adj)

$1.19

Previous: $0.89+33.7%
Net Interest Margin

3.7%

Previous: 3.0%+22.4%
Efficiency Ratio

48.6%

Previous: 53.5%-9.1%
Tangible Common Equity Ratio

7.3%

Previous: 9.0%-18.5%
Total Risk-Based Capital Ratio

13.1%

Previous: 13.9%-6.0%
Net Income

$70.8M

Previous: $47.7M+48.2%
Operating Income

$83.4M

Previous: $54.7M+52.5%
Cash & Equivalents

$123M

Previous: $167M-26.7%
Total Assets

$17.9B

Previous: $15.5B+16.1%
Stock-Based Comp

$1.22M

Previous: $1.15M+6.5%

Revenue & EPS history

First Merchants · Revenue · Quarterly

$173M

Q4 2022+36.2%vs Q4 2021
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 looks forward to continued growth and high levels of performance in 2023.

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 Q4 2022

Historical avgQ4 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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