FRME
Next earnings: Jul 22, 2026
Signal
Leaning Bullish1
Price
1
Move-0.05%Quiet session
Volume
1
Volume0.6× avgNormal activity
Technical
1
RSIRSI 55Momentum positive
PRICE
Prev Close
40.44
Open
40.45
Day Range39.97 – 40.82
39.97
40.82
52W Range34.66 – 43.22
34.66
43.22
67% of range
VOLUME & SIZE
Avg Volume
422.4K
FUNDAMENTALS
P/E Ratio
11.9x
Value territory
EPS (TTM)
Div Yield
0.03%
Beta
0.64
Low vol
Performance
1D
-0.05%
5D
+2.10%
1M
+2.51%
3M
-1.15%
6M
+13.92%
YTD
+7.84%
1Y
+9.15%
Best: 6M (+13.92%)Worst: 3M (-1.15%)
Quick Read
TrendInsufficient MA data
Momentum
BULLISH
60% gross margin
Valuation
CHEAP
P/E 12x vs ~20x sector
Health
STRONG
CR 6.0 · FCF $4.60/sh
Strong Buy
Key MetricsTTM
Market Cap$2.56B
Revenue TTM$1.05B
Net Income TTM$198.82M
Free Cash Flow$280.54M
Gross Margin60.5%
Net Margin18.9%
Operating Margin21.2%
Return on Equity8.0%
Return on Assets0.9%
Debt / Equity0.62
Current Ratio6.04
EPS TTM$3.26

Intelligence analysis not yet available for this stock. Full AI-powered analysis may be available on the intelligence page.

Health Radar
2 strong1 watch3 concern
40/100
Liquidity
6.04Strong
Leverage
0.62Strong
Coverage
0.6xConcern
ROE
8.0%Watch
ROIC
7.5%Concern
Cash
$84MConcern
ANALYST COVERAGE11 analysts
BUY
+21.2%upside to target
Buy
982%
Hold
218%
9 Buy (82%)2 Hold (18%)0 Sell (0%)
Full report →
Stock Health
Composite Score
5 of 5 signals bullish
10/10
Technicals
RSI RangeRSI 55 — Bullish momentum
Volume
Volume FlowLean Accumulation
Fundamentals
Last EarningsBeat estimates
Analyst ConsensusBuy
LiquidityCurrent Ratio 6.04 — healthy liquidity
Upcoming Events
EEarnings ReportMay 4, 2026
Tomorrow
DEx-Dividend DateJul 31, 2026
In 89 days
Technicals
Technical SetupBULLISH
Technicals →

Trend

UptrendGolden Cross · 50D leads 200D by 2.0%

+2.8% vs SMA 50 · +4.9% vs SMA 200

Momentum

RSI55.2
Positive momentum, not extended
MACD-0.93
Below zero — bearish pulse · compressing
Market Position
Price Levels
52W High
$43.22+6.9%
Current
$40.42
EMA 50
$38.70-4.3%
EMA 200
$38.48-4.8%
52W Low
$34.66-14.3%
52-Week RangeMid-range
$34.6667th %ile$43.22
Squeeze SetupVolume-based
Moderate Squeeze Setup

Accumulation pattern present — more buying days than selling over the past 20 sessions. Volume conditions support gradual price improvement.

20-Day Money Flow
Acc days:6
Dist days:3
Edge:+3 acc
Volume Context
Avg Vol (50D)319K
Recent Vol (5D)
529K+66%

Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.

Earnings & Analysts

ANALYST ESTIMATES

Consensus of 5 analysts
Analyst revisions:EPS↑ Revised Up

Analyst consensus estimates · Actuals replace estimates as reported

YearRevenue Est.Rev GthEPS Est.EPS GthRangeAnalysts
FY2023
$630.1M
$624.2M$636.4M
$3.47
±1%
Low2
FY2024
$661.7M
$660.6M$662.7M
+5.0%$3.24-6.7%
±1%
High5
FY2025
$682.5M
$682.2M$682.8M
+3.1%$3.85+18.7%
±1%
Moderate4
Range confidence:Tight (high)ModerateWide (low)
🔥Beat 6 consecutive quarters
Earnings HistoryFRME
Last 8Q
+1.2%avg beat
Beat 6 of 8 quartersMissed 2 Estimates rising
-15%
Q3'24
-7%
Q4'24
+11%
Q1'25
+3%
Q2'25
+4%
Q3'25
+3%
Q4'25
+2%
Q1'26
+7%
Q2'26
Beat
Miss
Estimate
Deeper color = bigger beat/miss
Analyst Activity
All ratings →
No recent activity
Raymond JamesOutperform → Market Perform
Sep 26
DOWNGRADE
StephensOverweight → Equal-Weight
Aug 7
DOWNGRADE
Insider Activity
SEC Filings →
0 Buys/4 SellsNet Selling
Myers Larry WDir
$208K
Feb 26
SELL
Fluhler StephanOfficer, Other…
$175K
Feb 11
SELL
Scurlock Eva D.Chief Risk Off…
$136K
Feb 6
SELL
Fluhler StephanOfficer, Other…
$202K
Nov 4
SELL
Financials
Dividends3.56% yield
+1.6% avg annual growth
Annual Yield3.56%
Quarterly Div.$0.3600
Est. Annual / Share$1.44
FrequencyQuarterly
Q2'24
Q3'24
Q4'24
Q1'25
Q2'25
Q3'25
Q4'25
Q1'26

Dividend per payment — last 8 periods

INSTITUTIONAL OWNERSHIP

1
Nuveen, LLC
1.0M
2
FIRST MERCHANTS CORP
525K
3
Phocas Financial Corp.
212K
4
ProShare Advisors LLC
174K
5
LYNCH & ASSOCIATES/IN
130K
6
PEREGRINE CAPITAL MANAGEMENT LLC
121K
7
OneAscent Financial Services LLC
95K
8
Y-Intercept (Hong Kong) Ltd
84K
News & Activity

FRME News

20 articles · 4h ago

About

with more than 100 banking locations throughout 27 indiana counties as well as two in both illinois and ohio, we provide our customers with broad financial services delivered locally by bankers who are known and trusted in their communities. first merchants corporation is the largest financial services holding company headquartered in central indiana. bank divisions within the corporation include: first merchants bank lafayette bank & trust first merchants private wealth advisors, one of the largest wealth management companies in indiana. together we offer consumer banking, mortgage banking, business banking, cash management services, and wealth management, and are focused on building deep, lifelong client relationships and providing maximum shareholder value. we are a team of associates who support and expect superior results from our company and ourselves. accountability and execution is the foundation of our success. we provide an experience where customers can bank with their neigh

Industry
Monetary Authorities-Central Bank
CEO
Michael Rechin
John J. MartinExecutive Vice President & Chief Credit Officer
Joseph C. PetersonExecutive Vice President & Chief Commercial Officer
Stephan H. FluhlerSenior Vice President & Chief Information Officer
PeersFinancial Services(7 companies)
Screen sector →
SymbolPriceDay %Mkt CapP/ERev GrwMarginELO
FRME
$40.42-0.05%$2.6B12.4-32.3%2152.0%1500
$312.47-0.24%$842.7B14.8+330.7%2039.3%1502
$328.03-0.55%$628.8B28.2+1134.0%5014.5%1498
$495.46-1.48%$438.6B28.4+1641.6%4564.7%1488
$53.24-0.41%$382.1B12.2-45.1%1592.6%1501
$190.18-0.22%$302.0B16.4+1147.7%1466.4%1516
$923.71-0.01%$274.1B15.5-138.4%1373.0%1515
Sector avg-0.42%18.3+576.9%2600.3%1503