NASDAQ$MBIN

Merchants Bancorp · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Merchants Bancorp reported record earnings and asset levels.

Merchants Bancorp reported a net income of $81.5 million for Q3 2023, a 39% increase compared to Q3 2022, driven by a 38% increase in net interest income. The company achieved record earnings and asset levels during the quarter.

  • Net income for Q3 2023 was $81.5 million, up 39% year-over-year.
  • Diluted earnings per common share were $1.68, compared to $1.22 in Q3 2022.
  • Total assets reached $16.5 billion as of September 30, 2023, a 4% increase compared to June 30, 2023.
  • Net interest income increased by 38% compared to the third quarter of 2022.

Headline financials

Total Revenue

$154M

Previous: $115M+34.0%
EPS (adj)

$1.68

Previous: $1.22+37.7%
Return on average assets

2.0%

Previous: 2.0%-1.0%
Capital Expenditures

-$3.46M

Previous: -$6.18M+44.0%
Free Cash Flow

$78M

Previous: $52.3M+49.2%
Net Income

$81.5M

Previous: $58.5M+39.4%
Operating Income

-$37.1M

Previous: $56.7M-165.5%
Gross Profit

$149M

Previous: $112M+33.1%
Cash & Equivalents

$407M

Previous: $324M+25.7%
Total Assets

$16.5B

Previous: $12B+37.7%

Revenue & EPS history

Merchants Bank · Revenue · Quarterly

$154M

Q3 2023+34%vs Q3 2022
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

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

+0.6%

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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