FRME
First Merchants·NASDAQ
--
--(--)
Market Open: --
--
--(--)
Pre-Market: --
FRME fundamentals
First Merchants (FRME) released its earnings on Oct 22, 2025: revenue was 166.14M (YoY +6.51%), missed estimates; EPS was 0.99 (YoY +4.21%), beat estimates.
Revenue / YoY
166.14M
+6.51%
EPS / YoY
0.99
+4.21%
Report date
Oct 22, 2025
FRME Earnings Call Summary for Q3,2025
- Loan Growth Dynamism: 9% YTD loan growth (10% Q3 C&I), fueled by $268M commercial originations and $100M+ SBA pipeline.
- Acquisition Synergy: $2.4B First Savings deal adds Southern Indiana presence and $100M+ annual SBA origination capacity.
- Margin Resilience: NIM held steady at 3.24% despite 14bps deposit cost increase, with 2026 rate cuts expected to compress 2-4bps.
- Capital Efficiency: 54.56% efficiency ratio, 9.18% TCE ratio, and $167.5M net income (+23.5% YoY).
- Credit Strength: NPLs down 3bps to 0.51%, with 85% of sponsor finance borrowers under 3x leverage.
EPS
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.
Trend
Breakdown
First Merchants (FRME)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
Trend
Breakdown
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.
Trend
Breakdown
Where does First Merchants (FRME) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
Data source:
By Region
Data source:
Track First Merchants (FRME) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
Payout Ratio
Dividend Yield
You can ask Aime
What is First Merchants's latest dividend and current dividend yield?What factors drove the changes in First Merchants's revenue and profit?What were the key takeaways from First Merchants's earnings call?What guidance did First Merchants's management provide for the next earnings period?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 gross profit margin?What is the market's earnings forecast for First Merchants next quarter?
