NASDAQ$MBIN

Merchants Bancorp · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

Merchants Bancorp reported strong first quarter results driven by growth in multi-family and mortgage warehouse loans.

Merchants Bancorp reported a net income of $24.6 million, or $0.73 per common share, for the first quarter of 2020. The increase in net income was primarily driven by a significant increase in gain on sale of loans and net interest income.

  • Net income increased by 133% compared to Q1 2019, driven by loan growth and higher net interest income.
  • Total assets increased by 99% compared to March 31, 2019, reaching $7.9 billion.
  • Net interest income increased by 59% compared to Q1 2019.
  • The company strategically expanded its SBA team to support small businesses through the CARES Act.

Headline financials

Total Revenue

$58.3M

Previous: $27.8M+109.6%
EPS (adj)

$0.49

Previous: $0.23+113.0%
Return on average assets

1.5%

Previous: 1.1%+30.7%
Efficiency ratio

38.3%

Previous: 46.9%-18.3%
Net interest margin

2.4%

Previous: 2.8%-13.4%
Capital Expenditures

-$594K

Previous: -$4.21M+85.9%
Free Cash Flow

$24M

Previous: $6.36M+276.9%
Net Income

$24.6M

Previous: $10.6M+132.6%
Operating Income

$21M

Previous: $6.17M+240.8%
Gross Profit

$46.9M

Previous: $24.5M+91.3%
Cash & Equivalents

$568M

Previous: $313M+81.2%
Total Assets

$7.91B

Previous: $3.98B+98.9%

Revenue & EPS history

Merchants Bank · Revenue · Quarterly

$58.3M

Q1 2020+109.6%vs Q1 2019
Beat estimate in 9 of 13 quarters(69%)
ActualEstimate

Forward guidance

This press release contains forward-looking statements which reflect management’s current views with respect to, among other things, future events and financial 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 Q1 2020

Historical avgQ1 2020

+0.6%

Avg return

Earnings day

+2.2%

Avg return

5 days after

+3.5%

Avg return

30 days after

56%

23 / 41 earnings

Positive

+15.8%

Q4 2025

Best reaction

-16.1%

Q3 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.2%-7.5%-5.0%
Q4 2025+15.8%+20.3%+21.0%
Q3 2025+1.4%+0.9%+9.2%
Q1 2025-8.6%-6.8%-2.5%
Q4 2024+6.5%+2.7%+2.4%
Q3 2024-16.1%-15.5%-3.8%
Q2 2024-15.8%-22.4%-13.9%
Q1 2024+3.3%+17.5%+1.4%
Q4 2023+5.4%-5.4%-4.6%
Q3 2023+11.0%+13.2%+27.6%
Q2 2023+2.4%+5.5%-3.4%
Q1 2023-1.9%-2.8%-1.0%
Q4 2022+11.0%+18.8%+17.6%
Q3 2022-0.1%-0.5%+4.7%
Q2 2022+4.6%+8.1%+9.1%
Q1 2022-4.2%-3.1%+1.5%
Q4 2021+4.9%+7.7%-0.9%
Q3 2021+4.3%+9.1%+8.5%
Q2 2021-2.5%-9.7%-7.3%
Q1 2021+5.3%+7.9%+7.7%
Q4 2020-0.7%+7.8%+13.3%
Q3 2020+0.2%+3.2%+26.6%
Q2 2020+10.0%+6.9%+17.7%
Q1 2020+6.1%+14.9%+26.0%
Q4 2019+9.8%+11.5%+0.5%
Q3 2019-0.7%+8.1%+9.2%
Q2 2019+6.4%+6.5%-4.9%
Q1 2019-9.7%-7.6%-27.5%
Q4 2018-7.6%-6.3%-3.1%
Q3 2018+3.8%+0.2%+6.4%
Q2 2018-8.6%-2.9%-3.9%
Q1 2017+5.6%+7.9%+20.4%
Q1 2018+6.5%+9.8%+24.5%
Q4 2015-5.2%-4.1%-8.0%
Q4 2016-5.2%-4.1%-8.0%
Q1 2016-5.2%-4.1%-8.0%
Q2 2016-5.2%-4.1%-8.0%
Q2 2017-5.2%-4.1%-8.0%
Q4 2017-1.6%-1.4%+10.5%
Q3 2017+2.2%+6.8%+0.3%
Q3 2016+2.2%+6.8%+0.3%

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