NASDAQ$MBIN

Merchants Bancorp · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Merchants Bancorp reported a decrease in net income and an increase in total assets.

Merchants Bancorp reported Q3 2024 net income of $61.3 million, a decrease compared to both Q3 2023 and Q2 2024. Despite this, the company's total assets reached $18.7 billion, and tangible book value increased by 25% year-over-year. The company executed a credit risk transfer transaction through the securitization of $629 million in healthcare loans.

  • Net income for Q3 2024 was $61.3 million, down from $81.5 million in Q3 2023 and $76.4 million in Q2 2024.
  • Total assets reached $18.7 billion as of September 30, 2024, an increase of $440.6 million from June 30, 2024.
  • Tangible book value increased to $32.38, a 25% rise from the prior year.
  • The company securitized $629 million in healthcare loans to manage credit risk and deploy capital.

Headline financials

Total Revenue

$150M

Previous: $154M-2.6%
EPS

$1.17

Previous: $1.68-30.4%
Return on average assets

1.3%

Previous: 2.0%-34.0%
Capital Expenditures

-$12.1M

Previous: -$3.46M-250.3%
Free Cash Flow

$49.2M

Previous: $78M-37.0%
Net Income

$61.3M

Previous: $81.5M-24.8%
Operating Income

-$72.3M

Previous: -$37.1M-94.6%
Gross Profit

$143M

Previous: $149M-4.6%

Revenue & EPS history

Merchants Bank · Revenue · Quarterly

$150M

Q3 2024-2.6%vs Q3 2023
Beat estimate in 10 of 15 quarters(67%)
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 Q3 2024

Historical avgQ3 2024

+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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