First Merchants Corporation logo FRME - First Merchants Corporation

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 9
HOLD 2
SELL 0
STRONG
SELL
0
| PRICE TARGET: $49.00 DETAILS
HIGH: $49.00
LOW: $49.00
MEDIAN: $49.00
CONSENSUS: $49.00
UPSIDE: 22.07%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 1,050.2 1,053.6 999.5 712.9 556.0 558.4 552.1 484.4 385.9 318.5 281.6 270.7 226.8 240.3 230.4 248.1 288.4 258.5 271.3 243.2 211.9 191.5 191.4 173.8 139.0 133.2 115.1 107.1 98.3 77.8 56.9 49.4 48.6
Cost of Revenue 410.0 462.6 352.0 101.6 36.0 125.1 111.5 76.3 46.8 32.5 25.2 24.4 23.2 42.1 60.5 102.5 199.3 118.3 126.1 104.8 74.4 57.3 61.9 60.9 59.6 63.2 49.1 46.9 43.1 33.7 22.7 16.9 17.5
Gross Profit 640.2 591.0 647.5 611.4 520.0 433.4 440.5 408.1 339.1 286.0 256.3 246.3 203.6 198.1 169.8 145.6 89.1 140.2 145.2 138.4 137.5 134.2 129.6 112.8 79.3 70.0 66.0 60.2 55.2 44.1 34.2 32.5 31.1
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 282.1 243.6 250.8 224.8 179 168.3 151.4 139.3 126.1 108.6 109.1 103.7 90.5 85.1 82.3 83.3 96.5 71.5 61.0 58.1 56.1 54.2 52.3 40.6 25.8 22.4 20.7 19.2 17.5 13.4 11.2 10.6 9.6
Other Expenses 99.0 115.7 137.4 130.9 100.2 95.1 95.4 80.6 79.4 68.8 56.2 60.3 52.7 52.0 53.7 59.0 61.8 40.0 41.1 38 37.9 37.5 39.0 30.4 19.4 17.7 16.1 13.5 12.5 10.6 7.7 7.8 8.6
Operating Expenses 381.1 359.3 388.3 355.7 279.2 263.4 246.8 220.0 205.6 177.4 165.3 164.0 143.2 137.1 135.9 142.3 158.3 111.5 102.2 96.1 94.0 91.6 91.3 71.0 45.2 40.1 36.8 32.7 30 24 18.9 18.4 18.2
Operating Income
Operating Income 259.1 231.7 259.2 255.7 240.8 170.0 193.8 188.1 133.6 108.7 91.0 82.3 60.4 61.0 33.9 3.3 (69.2) 28.7 43.0 42.4 43.5 42.6 38.3 41.8 34.1 29.9 29.2 27.5 25.2 20.1 15.3 14.1 12.9
Interest Expense 388.8 426.9 348.5 84.8 36.0 66.4 108.7 69.1 37.6 26.8 24.8 21.8 16.6 23.6 37.9 56.0 77.1 90.1 117.6 98.5 66.1 51.6 52.4 53.8 56.1 60.5 46.9 44.5 41.4 32.4 22.1 16.1 16.5
Interest Income 924.8 948.0 893.9 605.0 446.6 448.5 465.4 407.9 314.9 253.3 221.2 208.9 170.8 175.9 181.2 199.6 230.4 219.5 230.7 208.6 177.2 157.0 155.5 146.7 120.4 116.5 100.5 94.2 88.2 69.5 50 43.1 42
Profitability
EBITDA 288.5 258.6 270.9 267.5 251.5 181.0 203.2 197.0 141.6 115.8 97.3 88.3 65.1 65.5 39.1 9.0 (63.2) 33.3 47.3 47.8 48.6 47.7 43.1 49.1 38.8 34.1 32.3 30.4 27.8 22 17.2 16.5 14.7
EBIT 259.1 231.7 259.2 255.7 240.8 170.0 193.8 188.1 133.6 108.7 91.0 82.3 60.4 61.0 33.9 3.3 (69.2) 28.7 43.0 42.4 43.5 42.6 38.3 41.8 34.1 29.9 29.2 27.5 25.2 20.1 15.3 14.1 12.9
Income Before Tax 259.1 231.7 259.2 255.7 240.8 170.0 193.8 188.1 133.6 108.7 91.0 82.3 60.4 61.0 33.9 3.3 (69.2) 28.7 43.0 42.4 43.5 42.6 38.3 41.8 34.1 29.9 29.2 27.5 25.2 20.1 15.3 14.1 12.9
Income Tax Expense 33.1 30.3 35.4 33.6 35.3 21.4 29.3 29.0 37.5 27.6 25.7 22.1 15.9 15.9 8.7 (3.6) (28.4) 8.1 11.3 12.2 13.3 13.2 10.7 14.0 11.9 10.0 10.1 9.6 8.7 7 5.4 4.9 4.4
Net Income 226.0 201.4 223.8 222.1 205.5 148.6 164.5 159.1 96.1 81.1 65.4 60.2 44.5 45.1 25.3 6.9 (40.8) 20.6 31.6 30.2 30.2 29.4 27.6 27.8 22.2 19.9 19.1 17.9 16.5 13.1 9.9 9.2 8.7
Per Share Data
EPS (Basic) 3.90 3.42 3.74 3.83 3.82 2.75 3.20 3.23 2.13 1.99 1.73 1.66 1.42 1.42 0.34 0.48 -2.17 1.14 1.73 1.64 1.64 1.59 1.51 1.70 1.62 1.52 1.37 1.30 1.21 1.15 1.12 1.04 0.99
EPS (Diluted) 3.88 3.41 3.73 3.81 3.81 2.74 3.19 3.22 2.12 1.98 1.72 1.65 1.41 1.41 0.34 0.48 -2.17 1.14 1.73 1.64 1.63 1.58 1.50 1.69 1.61 1.51 1.36 1.28 1.19 1.15 1.12 1.04 0.98
Shares Outstanding 57.7 58.3 59.3 57.7 53.8 54.1 51.4 49.3 45.1 40.7 37.8 36.2 29.7 28.6 26.5 24.4 21.1 18.1 18.3 18.4 18.4 18.5 18.3 16.3 13.7 13.1 13.9 13.8 13.7 11.4 8.8 8.8 8.8
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 84.2 386.5 548.7 248.7 641.3 585.2 295.5 176.2 189.9 152.4 150.8 123.1 79.3 85.3 91.2 72.6 53.4 60.6 36.5 42.6 35.3 69.1 46.4 26.9
Short-Term Investments 1,407.1 1,386.5 1,627.1 1,976.7 2,344.6 1,919.1 1,790.0 1,142.2 999.9 696.9 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 93.4 91.8 97.7 85.1 57.2 53.9 48.9 40.9 39.7 26.5 20.8 24.0 17.3 16.8 17.3 12.0 13.1 11.3 10.8 9 8.6 6.2 5.6 5.7
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 1,584.6 1,864.8 2,273.5 2,310.4 3,043.0 2,558.3 2,134.4 1,359.3 1,229.5 875.8 171.6 147.0 96.6 102.1 108.6 84.6 66.6 71.9 47.3 51.6 43.9 75.3 52 32.6
Non-Current Assets
Property, Plant & Equipment 121.1 129.7 133.9 117.1 105.7 111.1 113.1 93.4 95.9 94.4 55.8 59.6 38.3 39.6 38.6 27.7 23.9 20.1 19 15.4 15.3 10.5 9.5 9.4
Goodwill 712.0 712.0 712.0 712.0 545.4 543.9 543.9 445.4 445.4 244 141.4 143.5 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 13.8 19.8 27.1 35.8 25.5 29.0 35.0 24.4 31.1 14.9 17.4 22.5 17.3 16.8 17.3 12.0 13.1 11.3 10.8 9 8.6 6.2 5.6 5.7
Long-Term Investments 0 14,754.5 14,484.3 14,076.8 11,237.5 10,344.2 9,194.1 7,639.1 7,241.5 5,683.9 3,748.8 4,158.7 2,830.4 2,687.8 2,345.6 1,584.8 1,471.1 1,332.8 1,233.1 944.4 900.7 616 573.7 578.3
Other Non-Current Assets 78.7 738.7 675.2 638.8 460.5 468.5 424.7 299.5 300.1 259.3 281.6 226.1 85.1 104.5 78.7 57.8 38.5 46.3 60 7.1 6.4 4.3 7.4 3.7
Total Non-Current Assets 925.5 16,447.2 16,132.4 15,691.8 12,410.1 11,508.9 10,322.9 8,525.4 8,137.9 6,335.9 4,309.3 4,637.1 3,095.0 2,974.7 2,570.1 1,702.4 1,554.5 1,402.1 1,315.2 968.5 924.1 632.6 592.6 593.5
Total Assets 19,025.1 18,312.0 18,405.9 17,938.3 15,453.1 14,067.2 12,457.3 9,884.7 9,367.5 7,211.6 4,481.0 4,784.2 3,191.7 3,076.8 2,678.7 1,787.0 1,621.1 1,474 1,362.5 1,020.1 968 707.9 644.6 626.1
Current Liabilities
Account Payables 0 16.1 18.9 7.5 2.8 3.3 6.8 5.6 4.4 3.1 5.7 8.8 4.4 4.7 6.0 5.5 6.3 4.6 4.1 0 0 0 1.3 1.2
Short-Term Debt 143.8 242.1 157.3 339.0 181.6 177.1 242.9 217.5 280.7 266.8 125.7 122.3 0 0 81.6 0 0 0 66.6 26.8 54.2 35 39.2 46.9
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 7,788.7 14,521.6 14,821.5 14,382.7 12,732.6 11,361.6 9,840.0 7,754.6 7,172.5 5,556.5 3,536.5 3,718.8 2,408.2 2,362.1 2,036.7 1,421.3 1,288.3 1,147.2 1,086 843.8 794.5 588.1 529.9 506.3
Total Current Liabilities 7,932.5 14,779.8 14,997.6 14,729.2 12,916.9 11,542.0 10,089.7 7,977.7 7,457.6 5,826.4 3,667.9 3,850.0 2,412.6 2,366.8 2,124.3 1,426.7 1,294.6 1,151.8 1,156.7 870.6 848.7 623.1 570.4 554.4
Non-Current Liabilities
Long-Term Debt 856.2 916.1 871.5 975.0 452.7 507.8 489.8 453.4 553.7 427.4 324.5 496.0 440.9 383.2 275.3 174.4 163.6 189.9 47.1 20.7 0 0 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 7,769.8 311.1 289.0 263.2 171.0 141.8 91.4 45.3 52.7 56.1 24.7 42.2 23.6 22.9 17.9 6.8 6.8 6 4.8 6.8 6.6 4.3 3.2 2.9
Total Non-Current Liabilities 8,626.0 1,227.2 1,160.5 1,238.2 623.7 649.6 581.2 498.7 606.4 483.5 349.2 538.3 464.5 406.1 293.3 181.2 170.4 195.9 51.9 27.5 6.6 4.3 3.2 2.9
Total Liabilities 16,558.4 16,007.0 16,158.2 15,903.5 13,540.6 12,191.6 10,670.8 8,476.5 8,064.0 6,310.0 4,017.2 4,388.3 2,877.1 2,772.8 2,417.6 1,607.9 1,465 1,347.7 1,208.6 898.1 855.3 627.4 573.6 557.3
Stockholders' Equity
Common Stock 7.1 7.2 7.4 7.4 6.7 6.7 6.9 6.2 6.1 5.1 2.7 2.6 2.3 2.3 2.0 1.6 1.5 1.4 1.5 0 0 0 0 0
Retained Earnings 1,413.7 1,272.5 1,154.6 1,012.8 864.8 788.6 696.5 583.3 465.2 401.0 150.9 206.5 161.5 149.1 138.1 124.3 113.2 103.6 118.9 95.4 88 62.8 56.9 51.3
Accumulated Other Comprehensive Income (130.1) (188.7) (176.0) (239.2) 55.1 74.8 27.9 (21.4) (2.9) (13.6) (8.8) (15.7) (0.0) 2.2 4.5 2.6 (0.3) (4.2) 2.2 1.5 1 1.2 (2.5) 0
Total Stockholders' Equity 2,466.7 2,305.0 2,247.7 2,034.8 1,912.6 1,875.6 1,786.4 1,408.3 1,303.5 901.7 463.8 395.9 314.6 304.0 261.1 179.1 156.1 126.3 153.9 122 112.7 80.5 71 68.8
Total Liabilities & Equity 19,025.1 18,312.0 18,405.9 17,938.3 15,453.1 14,067.2 12,457.3 9,884.7 9,367.5 7,211.6 4,481.0 4,784.2 3,191.7 3,076.8 2,678.7 1,787.0 1,621.1 1,474 1,362.5 1,020.1 968 707.9 644.6 626.1
Debt Metrics
Total Debt 999.9 1,158.2 1,028.8 1,313.9 634.2 684.9 732.7 671.0 834.4 694.2 450.2 618.4 440.9 383.2 356.9 174.4 163.6 189.9 113.7 47.5 54.2 35 39.2 46.9
Net Debt 915.8 771.7 480.0 1,065.3 (7.0) 99.7 437.2 494.8 644.5 541.8 299.4 495.3 361.6 297.9 265.7 101.8 110.1 129.3 77.2 4.9 18.9 (34.1) (7.2) 20
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 226.0 201.4 223.8 222.1 205.5 148.6 164.5 159.1 96.1 81.1 30.2 29.4 27.6 27.8 22.2 19.9 19.1 17.9 16.5 13.1 9.9 9.2 8.5
Depreciation & Amortization 29.4 26.8 11.7 11.8 10.7 11.0 9.4 8.8 8.0 7.2 5.1 5.1 4.8 7.3 4.7 4.2 3.1 2.9 2.6 1.9 1.9 2.4 1.8
Stock-Based Compensation 7.3 5.8 5.2 4.7 4.8 4.6 4.1 3.6 2.8 2.6 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (5.9) (2.6) (4.4) (22.2) (8.6) (13.6) (8.1) (6.6) (10.7) (5.4) (0.9) (0.7) (0.3) (0.6) 0.8 0.7 0 (0.4) (0.2) 0.4 1 0.1 (0.1)
Other Non-Cash Items 24.6 33.1 16.0 58.9 (4.0) 62.9 1.9 11.7 14.8 9.7 12.1 6.2 33.7 (16.4) 2.9 5.8 4.6 (1.2) 0.5 1 (1.3) 0.9 1.6
Operating Cash Flow 283.6 266.2 258.8 284.3 215.3 204.8 178.4 180.2 126.5 103.7 46.5 40.0 65.7 17.7 31.2 29.8 25.7 19.4 19.3 16.8 11.8 12.5 11.3
Investing Activities
Capital Expenditure 0 0 0 0 0 0 0 0 0 0 0 0 0 (4.9) (2.4) (4.4) (3.7) (5.2) (2.6) (2.1) (2.1) (1.2) (2.6)
Acquisitions 0 (243.5) 0 137.8 (2.9) 0 10.2 0 54.5 0 (0.2) (0.2) (7.8) (12.5) 5.3 0 0 0 0 0 0 0 0
Purchases of Investments (67.7) (124.4) (50.2) (755.3) (2,090.2) (1,312.2) (1,100.2) (400.7) (509.3) (392.3) (98.2) (214.4) (260.5) (183.2) (35.1) (12.1) (152.3) (194.2) (80.6) (136.4) (103.6) (55) (120.3)
Sales/Maturities of Investments 164.9 395.7 549.3 963.4 688.0 827.2 401.7 298.5 237.2 360.2 74.0 148.6 232.2 189.9 113.1 70.2 147.3 110.1 112.3 145.3 84.8 77 111
Other Investing Activities (870.9) (280.2) (843.5) (808.6) (72.2) (1,067.0) (318.1) (473.4) (417.8) (416.6) (40.7) (97.9) (67.8) (89.8) (53.3) (85.6) (110.4) (54.8) (96.3) (80.3) (18.4) (24.9) (26.9)
Investing Cash Flow (773.8) (252.4) (344.4) (462.7) (1,477.4) (1,552.0) (1,006.4) (575.6) (635.3) (448.7) (65.2) (163.8) (103.8) (100.5) 27.5 (31.9) (119.1) (144.1) (67.2) (73.5) (39.3) (4.1) (38.8)
Financing Activities
Net Debt Issuance (158.3) 129.4 (285.2) 485.5 (50.7) (47.8) (43.9) (162.3) 64.0 125.3 67.3 56.4 (11.5) 106.9 10.8 17.9 26.4 21.6 15.4 7.8 (4.2) (7.7) 9.8
Stock Repurchased (46.9) (56.2) 0 0 (25.4) (55.9) (19.0) (1.9) (1.3) (2.0) (9.7) 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (84.8) (83.5) (81.9) (74.2) (61.2) (56.5) (51.3) (41.7) (31.8) (22.2) (17.0) (17.0) (16.6) (14.0) (11.1) (10.3) (9.8) (7.9) (7.1) (5.4) (3.9) (3.6) (3.2)
Other Financing Activities 773.2 (30.8) 440.6 (279.6) 1,373.7 1,520.7 977.8 585.6 501.0 269.6 (25.6) 46.0 53.8 8.1 (17.3) (17.3) 111 146.5 41.4 10.6 58.3 23.6 (7)
Financing Cash Flow 486.7 (38.8) 75.6 133.8 1,236.3 1,362.9 865.9 379.7 535.8 370.7 19.2 84.3 28.6 98.8 (23.1) (14.7) 97 161.7 51.1 13.9 50 11.4 0.3
Cash Position
Net Change in Cash (3.5) (25.0) (9.9) (44.6) (25.8) 15.7 38.0 (15.7) 27.0 25.8 0.5 (39.6) (9.5) 16.0 35.6 (16.8) 3.5 37.1 3.2 (77.9) (46.4) (26.6) (53.7)
Cash at Beginning 87.6 112.6 122.6 167.1 192.9 177.2 139.2 154.9 127.9 102.2 70.0 109.5 119.0 103.0 67.5 84.3 80.8 43.7 40.5 77.9 46.4 26.6 53.7
Cash at End 84.2 87.6 112.6 122.6 167.1 192.9 177.2 139.2 154.9 127.9 70.4 70.0 109.5 119.0 103.0 67.5 84.3 80.8 43.7 91.8 96.4 38 54
Free Cash Flow 283.6 266.2 258.8 284.3 215.3 204.8 176.7 180.2 126.5 103.7 46.5 40.0 65.7 12.8 28.8 25.4 22 14.2 16.7 14.7 9.7 11.3 8.7
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 1,050.2 1,053.6 999.5 712.9 556.0 558.4 552.1 484.4 385.9 318.5 281.6 270.7 226.8 240.3 230.4 248.1 288.4 258.5 271.3 243.2 211.9 191.5 191.4 173.8 139.0 133.2 115.1 107.1 98.3 77.8 56.9 49.4 48.6
Gross Profit 640.2 591.0 647.5 611.4 520.0 433.4 440.5 408.1 339.1 286.0 256.3 246.3 203.6 198.1 169.8 145.6 89.1 140.2 145.2 138.4 137.5 134.2 129.6 112.8 79.3 70.0 66.0 60.2 55.2 44.1 34.2 32.5 31.1
Operating Income 259.1 231.7 259.2 255.7 240.8 170.0 193.8 188.1 133.6 108.7 91.0 82.3 60.4 61.0 33.9 3.3 (69.2) 28.7 43.0 42.4 43.5 42.6 38.3 41.8 34.1 29.9 29.2 27.5 25.2 20.1 15.3 14.1 12.9
Net Income 226.0 201.4 223.8 222.1 205.5 148.6 164.5 159.1 96.1 81.1 65.4 60.2 44.5 45.1 25.3 6.9 (40.8) 20.6 31.6 30.2 30.2 29.4 27.6 27.8 22.2 19.9 19.1 17.9 16.5 13.1 9.9 9.2 8.7
EPS (Diluted) 3.88 3.41 3.73 3.81 3.81 2.74 3.19 3.22 2.12 1.98 1.72 1.65 1.41 1.41 0.34 0.48 -2.17 1.14 1.73 1.64 1.63 1.58 1.50 1.69 1.61 1.51 1.36 1.28 1.19 1.15 1.12 1.04 0.98
Balance Sheet
Cash & Equivalents 84.2 386.5 548.7 248.7 641.3 585.2 295.5 176.2 189.9 152.4 150.8 123.1 79.3 85.3 91.2 72.6 53.4 60.6 36.5 42.6 35.3 69.1 46.4 26.9
Total Assets 19,025.1 18,312.0 18,405.9 17,938.3 15,453.1 14,067.2 12,457.3 9,884.7 9,367.5 7,211.6 4,481.0 4,784.2 3,191.7 3,076.8 2,678.7 1,787.0 1,621.1 1,474 1,362.5 1,020.1 968 707.9 644.6 626.1
Total Debt 999.9 1,158.2 1,028.8 1,313.9 634.2 684.9 732.7 671.0 834.4 694.2 450.2 618.4 440.9 383.2 356.9 174.4 163.6 189.9 113.7 47.5 54.2 35 39.2 46.9
Stockholders' Equity 2,466.7 2,305.0 2,247.7 2,034.8 1,912.6 1,875.6 1,786.4 1,408.3 1,303.5 901.7 463.8 395.9 314.6 304.0 261.1 179.1 156.1 126.3 153.9 122 112.7 80.5 71 68.8
Cash Flow
Operating Cash Flow 283.6 266.2 258.8 284.3 215.3 204.8 178.4 180.2 126.5 103.7 46.5 40.0 65.7 17.7 31.2 29.8 25.7 19.4 19.3 16.8 11.8 12.5 11.3
Capital Expenditure 0 0 0 0 0 0 0 0 0 0 0 0 0 (4.9) (2.4) (4.4) (3.7) (5.2) (2.6) (2.1) (2.1) (1.2) (2.6)
Free Cash Flow 283.6 266.2 258.8 284.3 215.3 204.8 176.7 180.2 126.5 103.7 46.5 40.0 65.7 12.8 28.8 25.4 22 14.2 16.7 14.7 9.7 11.3 8.7