FRME
First Merchants·NASDAQ
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FRME fundamentals
First Merchants (FRME) released its earnings on Jan 26, 2026: revenue was 178.35M (YoY +0.70%), beat estimates; EPS was 0.99 (YoY -10.00%), beat estimates.
Revenue / YoY
178.35M
+0.70%
EPS / YoY
0.99
-10.00%
Report date
Jan 26, 2026
FRME Earnings Call Summary for Q4,2025
- Record Growth: 2025 net income up 13.8% to $224.1M, driven by 7.3% loan growth and 54.5% efficiency ratio.
- Strategic Deal: $2.4B First Savings acquisition closing Feb 1, with 27.5% cost savings post-May integration.
- Margin & Expense: 2026 noninterest income +10% (fee growth), net interest margin stable despite rate cuts.
- Capital Return: 2025 buybacks ($46.9M) to continue; 2026 tax rate ~12%.
- Risk Management: Asset quality stable (NPAs 0.45%), with multifamily construction portfolio managed through payoffs.
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Revenue
Revenue & Expenses
Key Indicators
First Merchants (FRME) key financial stats and ratios, covering profitability, financial health, and leverage.
First Merchants (FRME)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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First Merchants (FRME)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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First Merchants (FRME)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does First Merchants (FRME) generate its revenue? Explore its key revenue streams and top earning regions.
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Track First Merchants (FRME) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is First Merchants's gross profit margin?What guidance did First Merchants's management provide for the next earnings period?What factors drove the changes in First Merchants's revenue and profit?What does First Merchants do and what are its main business segments?What is the revenue and EPS growth rate for First Merchants year over year?What is First Merchants's latest dividend and current dividend yield?What were the key takeaways from First Merchants’s earnings call?Did First Merchants beat or miss consensus estimates last quarter?
