FRME$36.55
$37.1
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AI FRME Summary
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Powered by LiveAIOverall Analysis
NeutralFirst Merchants Corporation exhibits a stable fundamental profile with consistent profitability and a manageable debt level. Thematic tailwinds are moderate, while current technical indicators suggest a neutral to slightly bearish short-term outlook.
Thematic
As a regional bank, First Merchants operates within a mature but essential industry. Its primary thematic exposure is to the broader economic cycle and interest rate environment, with limited impact from disruptive technological trends.
Fundamental
First Merchants Corporation demonstrates strong profitability and a solid balance sheet, with healthy revenue and net income figures, and a reasonable debt-to-equity structure.
Technical
The stock is trading below key moving averages and exhibits weak momentum, suggesting potential for further downside in the short term.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 70 |
| Interest Rate Sensitivity | 60 |
| Regional Economic Growth | 65 |
| Financial Inclusion and Community Banking | 50 |
| Regulatory Landscape for Banks | 40 |
| Factor | Score |
|---|---|
| Valuation | 80 |
| Profitability | 90 |
| Growth | 45 |
| Balance Sheet Health | 70 |
| Cash Flow | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 50 |
| Volume Confirmation | 40 |
| Support & Resistance | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Undervalued Price-to-Earnings Ratio
The Price-to-Earnings (P/E) ratio of 11.19 is lower than the industry average of 15.50, suggesting the stock may be undervalued relative to its earnings potential.
Positive Recent Performance
The stock has shown positive performance over the last 1, 3, and 6 months, with a 4.5% increase in the last month and 3.54% year-to-date, indicating current positive momentum.
Bearish Points (7)
High Price-to-Sales Ratio
The Price-to-Sales (P/S) ratio of 4.9 (TTM) is relatively high, which could indicate that the stock is expensive compared to its revenue generation.
Inconsistent EPS Growth
There have been significant fluctuations in quarterly Earnings Per Share (EPS), with some quarters showing negative surprises, indicating earnings volatility.
Calendar
June 2025
6
Ex-Dividend Date
June 2025
20
Next Dividend Date
July 2025
24
Next Earnings Date
H: $0.94
A: $0.93
L: $0.92
H: 175.60M
A: 174.90M
L: 174.00M
Profile
First Merchants Corporation operates as the financial holding company for First Merchants Bank that provides commercial and consumer banking services. The company offers a range of financial services, including checking, savings, and deposit products; debit and credit cards; mortgages, home equity lending, vehicle loans, and personal loans; and local commercial lending, asset-based lending solutions, agricultural lending, commercial real estate solutions, debt capital markets, practice finance, public finance, small business administration lending, and sponsor finance services. It also provides personal and commercial wealth management services, trust services, retirement planning, brokerage, investment management, private banking, fiduciary estate, and financial planning services. The company operates banking locations in Indiana, Ohio, and Michigan counties. It offers its services through electronic and mobile delivery channels. First Merchants Corporation was founded in 1893 and is headquartered in Muncie, Indiana.
Seasonals
Price Target
46.00 USD
The 39 analysts offering 1 year price forecasts for FRME have a max estimate of 49.00 and a min estimate of 43.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Direct regional competitor with a significant presence in FRME's operating states (Midwest and Great Lakes regions), offering a full range of banking services.
Weight: 95
Direct regional competitor with a strong presence in FRME's operating states and recognized as a 'Best Regional Bank' in Indiana. Offers comprehensive banking and wealth management services.
Weight: 90
Key regional bank headquartered in Indiana, serving similar markets and offering comparable commercial, retail, and wealth management services.
Weight: 90
Explicitly identified as a main competitor of FRME, operating as a mid-cap finance company with a similar regional banking focus.