First Merchants Corporation
FRME scores 55.6 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Moderate penalties (-3.3 points) reflect identified risk factors. The overall score balances these against the stock's fundamental strengths.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| FRME | 55.6 | 10.8 | -0.3% | 21.5% | $2.7B |
| CME | 84.9 | 27.2 | 9.9% | 57.5% | $109.0B |
| CINF | 82.3 | 10.7 | 11.4% | 18.9% | $25.4B |
| ACT | 82.0 | 8.9 | 2.4% | 54.6% | $6.0B |
| SEIC | 80.9 | 14.0 | 10.7% | 27.3% | $9.6B |
| TROW | 79.3 | 10.1 | 3.1% | 28.5% | $20.5B |
| FHB | 78.3 | 11.8 | 3.2% | 24.2% | $3.3B |
| MCHB | 77.7 | 0.0 | 123.7% | 23.2% | $3.4B |
| TRMK | 75.6 | 11.9 | 34.8% | 19.3% | $2.7B |
| BCAL | 74.3 | 9.9 | 26.2% | 27.1% | $613M |
| NMIH | 73.9 | 7.7 | 8.4% | 55.1% | $3.0B |
| FFIN | 73.2 | 18.8 | 11.7% | 30.7% | $4.8B |
| TW | 73.1 | 30.0 | 18.9% | 39.6% | $24.8B |
| VCTR | 73.1 | 18.3 | 8.8% | 32.3% | $4.9B |
| VLY | 72.4 | 12.5 | -2.2% | 17.1% | $7.5B |
| QQQX | 72.3 | 10.4 | 48.6% | 257.3% | $1.4B |
| Sector Average | 45.8 | 49.4 | 13.4% | -2.8% | โ |
First Merchants Corporation operates as the financial holding company for First Merchants Bank that provides community banking services. It accepts time, savings, and demand deposits; and provides consumer, commercial, agri-business, and real estate mortgage loans, as well as public finance. The company also offers personal and corporate trust; brokerage and private wealth management; and letters of credit, repurchase agreements, and other corporate services. It operates 109 banking locations in Indiana, Illinois, Ohio, and Michigan counties. The company also offers its services through electronic and mobile delivery channels. First Merchants Corporation was founded in 1893 and is headquartered in Muncie, Indiana.
Stock is losing momentum near highs. The 200-day SMA is flattening or beginning to turn. Historically, this stage precedes distribution.
| Metric | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|
| Revenue | $270M | $268M | $261M | $253M |
| Gross Profit | $164M | $162M | $159M | $156M |
| Operating Income | $65M | $65M | $65M | $63M |
| Net Income | $57M | $57M | $57M | $55M |
| EPS (Diluted) | $0.99 | $0.98 | $0.98 | $0.94 |
| Gross Margin | 60.9% | 60.5% | 60.8% | 61.8% |
| Operating Margin | 24.3% | 24.4% | 24.9% | 25.0% |
| Net Margin | 21.2% | 21.2% | 21.8% | 21.9% |
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $37.67 | $50.65 | 29.4% | Moderate |
| 2022 | $34.07 | $46.12 | 30.1% | Moderate |
| 2023 | $24.52 | $43.97 | 56.8% | Wide |
| 2024 | $30.55 | $46.13 | 40.6% | Wide |
| 2025 | $33.13 | $45.62 | 31.7% | Moderate |
Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.