FRME | Ticker Profile - Titan Protect

FRME

First Merchants Corporation

Financial Services · Banks - Regional · NMS

$39.93

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$2.5B

Total market value of the company

Trailing P/E

11.87

Reasonably valued

Forward P/E

8.83

Based on estimated future earnings — lower means cheaper

Rev Growth

-2.5%

Year-over-year revenue change

Profit Margin

31.2%

How much profit the company keeps from each dollar of revenue

ROE

7.9%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$48.00

+20% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 5 analysts covering this stock

About First Merchants Corporation

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, refinance, construction or renovation of residential properties, agricultural lending, treasury management services and depository products. It also provides personal and commercial wealth management services, 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.

https://www.firstmerchants.com

Country: United States Employees: 2,086 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.661

Good returns relative to risk taken

Kelly Fraction

0.0539

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

0.689

Acceptable balance between returns and drawdown risk

Annual Return

16.5%

Historical annualised return based on price data

Max Drawdown

-23.9%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

268

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.87

Less volatile than the market — more defensive

52W High

$43.22

8% below the year high

52W Low

$34.66

15% above the year low

Avg Volume

383,836

Average daily shares traded — higher means easier to buy and sell

Short Ratio

3.5

Days it would take all short sellers to cover — higher means more crowded

Short % Float

2.1%

Low short interest — limited bearish positioning

Div Yield

368.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$3.39

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

22.6%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$638M

Total revenue over the last 12 months

Net Income

$197M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$50.00

Target Median

$48.00

Target Low

$45.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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