FRME · First Merchants Corp
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
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| Adjusted efficiency ratio non-GAAP | 53.22% | Second Quarter 2026 | — |
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| Adjusted pre-tax, pre-provision income non-GAAP | $84.6M | Second Quarter 2026 | — |
| Common Equity Tier 1 Capital Ratio | 11.16% | Second Quarter 2026 | — |
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| Deposit growth on a linked quarter basis non-GAAP | $267.8M | Second Quarter 2026 | — |
| Loan growth on a linked quarter basis non-GAAP | $221.7M | Second Quarter 2026 | — |
| Net interest margin on a fully taxable equivalent basis non-GAAP | 3.38% | Second Quarter 2026 | — |
| Adjusted diluted earnings per common share non-GAAP | $1.03 | first quarter 2026 | — |
| Allowance for Credit Losses – Loans to loans | 1.39% | first quarter 2026 | — |
| Loan to deposit ratio | 92.6% | first quarter 2026 | — |
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| Net interest margin | 3.35% | first quarter 2026 | — |
| Nonperforming assets to total assets | 43 | first quarter 2026 | — |
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| Shares repurchased year-to-date | 708,856 | first quarter 2026 | — |
| Total deposits last twelve months growth | $333.5M | first quarter 2026 | — |
| Total deposits linked quarter growth | -$499.4M | first quarter 2026 | — |
| Total loans linked quarter growth | -$18.8M | first quarter 2026 | — |
| Allowance for Credit Losses - Loans to Actual Loans | 1.42% | Q4 FY2025 | — |
| Efficiency Ratio | 54.52% | Q4 FY2025 | — |
| Fully tax equivalent net interest margin | 3.29% | Q4 FY2025 | — |
| Tangible Common Equity to Tangible Assets Ratio | 9.38% | Q4 FY2025 | — |
| Total risk-based capital ratio | 13.41% | Q4 FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
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FRME
this stock
First Merchants Corp
|
$2.75B | +16.6% | — | 12.9 | 3.0% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FRME | +2.6% | -2.0% | +7.2% | +1.3% | +16.6% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +2.2% | -6.5% | -6.5% | -2.6% | +2.8% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.