FRMEP
First Merchants Pref A ADR·NASDAQ
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FRMEP fundamentals
First Merchants Pref A ADR (FRMEP) 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
FRMEP 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.
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Key Indicators
First Merchants Pref A ADR (FRMEP) key financial stats and ratios, covering profitability, financial health, and leverage.
First Merchants Pref A ADR (FRMEP)'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 Pref A ADR (FRMEP)'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 Pref A ADR (FRMEP)'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 Pref A ADR (FRMEP) generate its revenue? Explore its key revenue streams and top earning regions.
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Track First Merchants Pref A ADR (FRMEP) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the revenue and EPS growth rate for First Merchants Pref A ADR year over year?What were the key takeaways from First Merchants Pref A ADR's earnings call?What is the market's earnings forecast for First Merchants Pref A ADR next quarter?What were the key takeaways from First Merchants Pref A ADR’s earnings call?What does First Merchants Pref A ADR do and what are its main business segments?What is First Merchants Pref A ADR's gross profit margin?What guidance did First Merchants Pref A ADR's management provide for the next earnings period?Did First Merchants Pref A ADR beat or miss consensus estimates last quarter?
