First Merchants Corporation (FRME) Financial Ratios Annual - Discounting Cash Flows
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FRME
First Merchants Corporation
FRME (NASDAQ)
  • Financials

  • First Merchants Corporation Financial Ratios Annual

Annual Quarterly

* (except for per share items) of USD
Period Ending: LTM
(Last Twelve Months) 		2024
12-31 		2023
12-31 		2022
12-31 		2021
12-31 		2020
12-31 		2019
12-31 		2018
12-31 		2017
12-31 		2016
12-31 		2015
12-31 		2014
12-31 		2013
12-31 		2012
12-31 		2011
12-31 		2010
12-31 		2009
12-31 		2008
12-31 		2007
12-31 		2006
12-31 		2005
12-31 		2004
12-31 		2003
12-31 		2002
12-31 		2001
12-31 		2000
12-31 		1999
12-31 		1998
12-31 		1997
12-31 		1996
12-31 		1995
12-31 		1994
12-31 		1993
12-31 		1992
12-31 		1991
12-31 		1990
12-31 		1989
12-31 		1988
12-31 		1987
12-31
Price Ratios
Price to Earnings Ratio 11.14 11.55 9.83 10.68 10.96 13.61 13 10.61 19.75 18.92 14.69 13.7 15.14 9.4 8.89 31.32 -3.07 19.44 12.62 16.58 15.85 17.8 16.89 12.73 13.42 12.89 16.51 17.42 17.78 13.31 13.15 11.96 11.22 13.09 9.48 7.77 9.01 9.81 11.06
Price to Sales Ratio 2.24 2.21 2.2 3.33 4.06 3.62 3.87 3.49 4.92 4.81 3.41 3.05 2.97 1.77 0.975 0.872 0.434 1.55 1.47 2.06 2.26 2.73 2.43 2.04 2.14 1.93 2.74 2.91 2.98 2.24 2.29 2.23 2.01 1.98 1.2 0.896 1.02 0 0
Price to Book Ratio 0.998 1.01 0.978 1.17 1.18 1.08 1.2 1.2 1.46 1.7 1.13 1.13 1.06 0.768 0.436 0.477 0.27 1.01 1.17 1.53 1.53 1.66 1.53 1.36 1.66 1.65 2.5 2.03 2.4 1.55 1.62 1.55 1.42 1.6 1.1 0.909 1.07 0 0
Price to Free Cash Flow Ratio 8.7 8.74 8.5 8.34 10.46 9.87 12.1 9.37 15 14.78 16.96 10.87 3.68 6.04 2.63 2.67 7.11 10.28 8.05 13.8 10.31 13.1 7.09 27.59 10.36 10.13 14.34 21.96 17.57 11.86 13.42 9.74 11.22 10.98 7.68 6.39 7.44 0 0
Price to Operating Cash Flow Ratio 8.65 8.74 8.5 8.34 10.46 9.87 11.99 9.37 15 14.78 16.96 10.87 3.68 6.04 2.63 2.67 7.11 10.28 8.05 13.8 10.31 13.1 7.09 20.02 9.55 8.63 12.27 16.07 15.2 10.38 11.03 8.8 8.64 9.54 6.79 5.98 6.76 0 0
Price Earnings to Growth Ratio 2.54 -1.35 -4.18 40.79 0.282 -0.968 -14 0.205 2.81 1.26 3.48 0.811 0 0.03 -0.305 -0.256 0.011 -0.57 2.3 0 5.04 3.36 -1.51 2.58 2.04 1.18 3.07 2.34 3.41 4.97 1.71 2.37 0.897 1.31 0.854 1.32 0.785 0.757 0
EV to EBITDA 7.86 6.62 3.88 5.46 -0.392 1.12 3.87 5.28 10.89 11.9 7.57 5.9 7.64 2.11 1.77 57.57 -6.72 26.9 17.09 17.59 18.69 18.57 17.74 12.63 10.3 10.78 13.77 12.8 10.73 8.79 5.59 6.23 8 6.67 6.11 6.15 6.12
Liquidity Ratios
Current Ratio 0.107 0.126 0.152 0.157 0.236 0.222 0.212 0.17 0.165 0.15 0.149 0.154 0.16 0.192 0.202 0.04 0.047 0.038 0.064 0.044 0.041 0.04 0.043 0.051 0.059 0.051 0.062 0.041 0.059 0.052 0.121 0.091 0.059 0.111 0.105 0.104 0.148 0 0
Quick Ratio 0.107 0.126 0.152 0.157 0.236 0.222 0.212 0.17 0.165 0.15 0.149 0.154 0.16 0.192 0.202 0.04 0.047 0.038 0.064 0.044 0.041 0.04 0.043 0.051 0.059 0.051 0.062 0.041 0.059 0.052 0.121 0.091 0.059 0.111 0.105 0.104 0.148 0 0
Cash Ratio 0.028 0.026 0.037 0.017 0.05 0.051 0.029 0.022 0.025 0.026 0.024 0.035 0.036 0.04 0.038 0.034 0.041 0.032 0.056 0.035 0.033 0.033 0.036 0.043 0.051 0.041 0.053 0.032 0.049 0.042 0.111 0.081 0.049 0.1 0.091 0.09 0.134 0 0
Debt Ratio 0.073 0.063 0.056 0.073 0.041 0.049 0.059 0.068 0.089 0.096 0.084 0.071 0.096 0.085 0.117 0.1 0.1 0.129 0.15 0.124 0.157 0.138 0.125 0.133 0.098 0.101 0.129 0.083 0.047 0.056 0.049 0.061 0.075 0.06 0.082 0.104 0.121 0 0
Debt to Equity Ratio 0.576 0.502 0.458 0.646 0.332 0.365 0.41 0.476 0.64 0.77 0.668 0.567 0.824 0.665 0.951 0.923 0.971 1.56 1.67 1.35 1.62 1.4 1.26 1.37 0.974 1.05 1.5 0.739 0.389 0.481 0.435 0.552 0.682 0.581 0.839 1.1 1.31 0 0
Long Term Debt to Capitalization 0.307 0.284 0.279 0.324 0.191 0.213 0.215 0.244 0.298 0.322 0.299 0.272 0.282 0.272 0.393 0.405 0.412 0.556 0.626 0.511 0.619 0.584 0.558 0.513 0.493 0.512 0.601 0.234 0.145 0 0 0 0 0 0 0 0 0 0
Total Debt to Capitalization 0.365 0.334 0.314 0.392 0.249 0.267 0.291 0.323 0.39 0.435 0.401 0.362 0.452 0.399 0.488 0.48 0.493 0.61 0.626 0.574 0.619 0.584 0.558 0.577 0.493 0.512 0.601 0.425 0.28 0.325 0.303 0.356 0.405 0.367 0.456 0.523 0.567 0 0
Interest Coverage Ratio 0.585 0.543 0.744 3.01 6.7 2.56 1.78 2.72 3.55 4.05 3.67 3.77 3.65 2.58 0.895 0.059 -0.897 0.319 0.365 0.43 0.659 0.826 0.731 0.778 0.609 0.494 0.623 0.618 0.609 0.62 0.692 0.876 0.782 0.57 0.376 0.319 0.287 0 0
Cash Flow to Debt Ratio 0.2 0.23 0.252 0.216 0.34 0.299 0.243 0.269 0.152 0.149 0.1 0.184 0.35 0.191 0.175 0.193 0.039 0.063 0.087 0.082 0.091 0.091 0.171 0.05 0.179 0.182 0.135 0.171 0.406 0.31 0.337 0.319 0.241 0.288 0.193 0.139 0.121 0 0
Margins
Gross Profit Margin 57.07% 56.09% 64.78% 85.76% 93.7% 77.61% 80.3% 84.25% 87.88% 89.8% 91.05% 90.99% 89.77% 82.46% 73.73% 58.69% 30.9% 54.23% 53.51% 56.92% 64.88% 70.09% 67.68% 64.93% 57.08% 52.56% 57.33% 56.21% 56.15% 56.68% 60.11% 65.79% 63.99% 57.09% 47.96% 43.27% 42.94% 0% 0%
Operating Profit Margin 23.02% 21.99% 25.94% 35.86% 43.39% 30.44% 35.1% 38.84% 34.62% 34.11% 32.34% 30.4% 26.63% 25.39% 14.72% 1.34% -23.99% 11.11% 15.84% 17.43% 20.54% 22.24% 20% 24.07% 24.56% 22.46% 25.38% 25.68% 25.64% 25.84% 26.89% 28.54% 26.54% 22.91% 18.59% 17.31% 15.71% 0% 0%
Pretax Profit Margin 23.02% 21.99% 25.94% 35.86% 43.39% 30.44% 35.1% 38.84% 34.62% 34.11% 32.34% 30.13% 26.63% 25.39% 14.72% 1.34% -23.99% 11.11% 15.84% 17.43% 20.54% 22.24% 20% 24.07% 24.56% 22.46% 25.38% 25.68% 25.64% 25.84% 26.89% 28.54% 26.54% 22.91% 18.59% 17.31% 15.71% 0% 0%
Net Profit Margin 20.01% 19.12% 22.39% 31.15% 37.04% 26.61% 29.79% 32.85% 24.89% 25.45% 23.22% 22.23% 19.63% 18.78% 10.96% 2.78% -14.14% 7.98% 11.66% 12.42% 14.27% 15.36% 14.4% 16.02% 15.98% 14.97% 16.6% 16.71% 16.79% 16.84% 17.4% 18.62% 17.9% 15.15% 12.64% 11.54% 11.33% 0% 0%
Operating Cash Flow Margin 25.79% 25.27% 25.9% 39.88% 38.8% 36.68% 32.31% 37.21% 32.78% 32.56% 20.12% 28.02% 80.73% 29.25% 37.11% 32.67% 6.11% 15.09% 18.29% 14.92% 21.94% 20.86% 34.3% 10.18% 22.46% 22.37% 22.33% 18.11% 19.63% 21.59% 20.74% 25.3% 23.25% 20.78% 17.66% 15% 15.11% 0% 0%
Free Cash Flow Margin 25.79% 25.27% 25.9% 39.88% 38.8% 36.68% 32.01% 37.21% 32.78% 32.56% 20.12% 28.02% 80.73% 29.25% 37.11% 32.67% 6.11% 15.09% 18.29% 14.92% 21.94% 20.86% 34.3% 7.39% 20.7% 19.06% 19.12% 13.26% 16.99% 18.89% 17.05% 22.87% 17.9% 18.06% 15.61% 14.04% 13.72% 0% 0%
Return
Return on Assets 1.13% 1.1% 1.22% 1.24% 1.33% 1.06% 1.32% 1.61% 1.03% 1.12% 0.967% 1.03% 0.819% 1.05% 0.605% 0.166% -0.91% 0.431% 0.837% 0.849% 0.934% 0.921% 0.896% 1.04% 1.24% 1.23% 1.3% 1.31% 1.62% 1.35% 1.4% 1.43% 1.39% 1.26% 1.14% 1.11% 1.09% 0% 0%
Return on Equity 9.13% 8.74% 9.96% 10.91% 10.75% 7.92% 9.21% 11.3% 7.37% 8.99% 7.69% 8.28% 7.01% 8.17% 4.91% 1.52% -8.79% 5.21% 9.31% 9.23% 9.65% 9.35% 9.07% 10.66% 12.4% 12.78% 15.12% 11.63% 13.52% 11.62% 12.3% 12.96% 12.65% 12.21% 11.62% 11.7% 11.83% 0% 0%
Return on Capital Employed 6.57% 6.56% 7.61% 7.97% 9.49% 6.73% 8.18% 9.87% 6.99% 7.84% 7.21% 7.91% 6.5% 7.66% 3.86% 0.422% -8.51% 3.07% 4.62% 6.09% 5.13% 5.47% 5.39% 7.54% 9.47% 9.16% 9.06% 13.36% 16.86% 16.85% 18.04% 19% 17.99% 17.8% 15.95% 16.3% 15.13% 0% 0%
Return on Invested Capital 6.45% 6.4% 7.83% 7.5% 10.85% 7.66% 7.94% 9.19% 5.59% 6.57% 5.79% 6.86% 5.82% 6.88% 3.35% 1.03% -6.16% 2.54% 4.11% 5.08% 3.93% 4.2% 4.41% 6.01% 7.72% 7.3% 7.3% 10.57% 15.43% 15.6% 63.06% 33.09% 18.97% 70.27% 48.92% 52.63% -53.27% 0% 0%
Turnover Ratios
Receivables Turnover Ratio 11.81 11.47 10.23 8.38 9.7 10.35 11.29 11.85 9.73 12.02 11.26 12.84 11.22 12.67 10.83 13.29 13.85 10.78 11.59 9.99 10.76 11.06 11.37 10.02 11.56 10.14 10.18 9.92 10.92 9.05 9.18 8.82 8.53 8.73 7.69 7.88 7.62 0 0
Payables Turnover Ratio 33.69 28.73 18.61 13.49 13.02 38.05 16.52 13.61 10.65 10.45 8.15 7.62 13.11 22.89 20.69 24.05 34.89 13.38 15.15 11.23 12.67 12.99 13.22 10.12 10.87 9.97 10.67 11.44 0 0 0 13 14.58 14.73 0 0 0 0 0
Inventory Turnover Ratio 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 0 0 0 0 0 0
Fixed Asset Turnover Ratio 8.1 8.12 7.46 6.09 5.25 5.03 4.88 5.19 4.03 3.37 2.88 3.48 3.05 4.55 4.52 4.73 5.17 4.33 6.1 5.74 5.38 5.01 4.83 4.5 5.02 5.58 5.73 5.64 6.38 5.08 5.42 5.2 5.17 6.78 7.69 8.81 8.38 0 0
Asset Turnover Ratio 0.057 0.058 0.054 0.04 0.036 0.04 0.044 0.049 0.041 0.044 0.042 0.046 0.042 0.056 0.055 0.059 0.064 0.054 0.072 0.068 0.065 0.06 0.062 0.065 0.078 0.082 0.078 0.079 0.096 0.08 0.08 0.077 0.078 0.083 0.09 0.096 0.096 0 0
Per Share Items ()
Revenue Per Share 18 18.07 16.85 12.36 10.32 10.33 10.74 9.83 8.56 7.82 7.45 7.47 7.64 8.41 8.69 10.16 13.68 14.31 14.83 13.21 11.49 10.35 10.48 10.64 10.16 10.15 8.28 7.75 7.19 6.81 6.48 5.6 5.54 5.81 6.35 6.28 6.01 0 0
Operating Cash Flow Per Share 4.64 4.57 4.36 4.93 4 3.79 3.47 3.66 2.8 2.55 1.5 2.09 6.17 2.46 3.22 3.32 0.835 2.16 2.71 1.97 2.52 2.16 3.6 1.08 2.28 2.27 1.85 1.4 1.41 1.47 1.34 1.42 1.29 1.21 1.12 0.942 0.909 None None
Free Cash Flow Per Share 4.64 4.57 4.36 4.93 4 3.79 3.44 3.66 2.8 2.55 1.5 2.09 6.17 2.46 3.22 3.32 0.835 2.16 2.71 1.97 2.52 2.16 3.6 0.786 2.1 1.93 1.58 1.03 1.22 1.29 1.11 1.28 0.992 1.05 0.991 0.882 0.825 None None
Cash & Short Term Investments 25.73 30.4 36.69 38.57 55.52 46.33 40.56 26.76 26.38 20.85 20.98 19.75 23.61 22.86 24.32 4.75 7.16 6.81 8.73 5.5 4.29 4.29 4.67 5.59 5.31 4.08 4.36 2.64 3.11 3.09 7.87 5.26 3.07 6.23 5.76 5.29 7.52 None None
Earnings Per Share 3.6 3.45 3.77 3.85 3.82 2.75 3.2 3.23 2.13 1.99 1.73 1.66 1.5 1.58 0.953 0.283 -1.93 1.14 1.73 1.64 1.64 1.59 1.51 1.7 1.62 1.52 1.37 1.3 1.21 1.15 1.13 1.04 0.992 0.88 0.802 0.725 0.682 0 0
EBITDA Per Share 4.69 4.43 4.57 4.64 4.68 3.35 3.95 4 3.14 2.84 2.57 2.44 2.19 2.29 1.47 0.369 -3 1.85 2.59 2.59 2.64 2.58 2.36 3.01 2.84 2.6 2.32 2.2 2.03 1.93 1.96 1.87 1.68 1.42 1.25 1.16 1 0.613 0.544
Dividend Per Share 1.38 1.43 1.38 1.29 1.14 1.05 0.997 0.846 0.705 0.545 0.414 0.295 0.269 0.26 0.178 0.242 0.676 0.929 0.922 0.921 0.921 0.922 0.907 0.857 0.813 0.788 0.705 0.572 0.519 0.473 0.444 0.408 0.365 0.327 0.307 0.266 0.239 0 0
Enterprise Value Per Share 36.82 29.35 17.74 25.31 -1.83 3.75 15.28 21.13 34.18 33.84 19.48 14.37 16.74 4.83 2.61 21.26 20.14 49.63 44.21 45.63 49.27 47.85 41.83 37.97 29.23 28 31.98 28.16 21.81 16.91 10.95 11.66 13.41 9.48 7.65 7.13 6.15 0 0
Book Value Per Share 39.47 39.53 37.9 35.27 35.56 34.7 34.75 28.58 28.9 22.14 22.5 20.05 21.39 19.32 19.41 18.58 22 21.91 18.59 17.78 17 17.01 16.65 15.99 13.1 11.9 9.08 11.14 8.92 9.86 9.17 8.05 7.85 7.21 6.9 6.2 5.76 0 0
Price Per Share 39.38 39.89 37.08 41.11 41.89 37.41 41.59 34.27 42.06 37.65 25.42 22.75 22.72 14.84 8.47 8.86 5.94 22.21 21.84 27.19 26 28.3 25.51 21.7 21.79 19.6 22.68 22.57 21.45 15.26 14.83 12.48 11.13 11.52 7.61 5.63 6.14 0 0
Dividend Ratios
Dividend Payout Ratio 40.15% 41.46% 36.61% 33.39% 29.79% 38.05% 31.18% 26.18% 33.12% 27.39% 23.94% 17.78% 17.95% 16.49% 18.73% 85.69% -34.97% 81.28% 53.27% 56.13% 56.16% 57.96% 60.05% 50.28% 50.1% 51.81% 51.31% 44.13% 43.03% 41.22% 39.39% 39.13% 36.78% 37.18% 38.24% 36.67% 35.09% None None
Annual Dividend Yield 3.51% 3.59% 3.73% 3.13% 2.72% 2.8% 2.4% 2.47% 1.68% 1.45% 1.63% 1.3% 1.19% 1.75% 2.11% 2.74% 11.38% 4.18% 4.22% 3.39% 3.54% 3.26% 3.55% 3.95% 3.73% 4.02% 3.11% 2.53% 2.42% 3.1% 3% 3.27% 3.28% 2.84% 4.03% 4.72% 3.89% None None
Effective Tax Rate 13.06% 13.09% 13.67% 13.14% 14.64% 12.58% 15.13% 15.41% 28.09% 25.41% 28.19% 27.13% 26.29% 26.02% 25.53% -108.2% 41.08% 28.14% 26.39% 28.77% 30.54% 30.95% 27.99% 33.43% 34.93% 33.33% 34.59% 34.91% 34.52% 34.83% 35.29% 34.75% 34.11% 33.9% 32% 33.33% 27.85% 0% 0%
Short Term Coverage Ratio 0.874 1.1 1.65 0.839 1.19 1.16 0.734 0.829 0.451 0.389 0.276 0.542 0.668 0.437 0.547 0.738 0.14 0.319 0 0.367 0 0 0 0.217 0 0 0 0.291 0.72 0.31 0.337 0.319 0.241 0.288 0.193 0.139 0.121 0 0
Capital Expenditure Coverage Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3.65 12.8 6.76 6.95 3.73 7.42 8 5.62 10.42 4.35 7.64 8.64 15.6 10.86 0 0
EBIT Per Revenue 0.23 0.22 0.259 0.359 0.434 0.304 0.351 0.388 0.346 0.341 0.323 0.304 0.266 0.254 0.147 0.013 -0.24 0.111 0.158 0.174 0.205 0.222 0.2 0.241 0.246 0.225 0.254 0.257 0.256 0.258 0.269 0.285 0.265 0.229 0.186 0.173 0.157 0 0
EBITDA Per Revenue 0.26 0.245 0.271 0.375 0.452 0.324 0.368 0.407 0.367 0.364 0.346 0.326 0.287 0.272 0.17 0.036 -0.219 0.129 0.174 0.196 0.229 0.249 0.225 0.283 0.279 0.256 0.281 0.284 0.283 0.283 0.302 0.334 0.302 0.245 0.197 0.185 0.167 None None
Days of Sales Outstanding 30.91 31.81 35.67 43.55 37.61 35.26 32.33 30.8 37.51 30.37 32.41 28.44 32.53 28.8 33.71 27.47 26.35 33.85 31.49 36.53 33.91 33 32.11 36.44 31.58 36 35.84 36.81 33.42 40.35 39.77 41.38 42.81 41.82 47.49 46.33 47.89 0 0
Days of Inventory Outstanding 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 0 0 0 0 0 0
Days of Payables Outstanding 10.83 12.7 19.61 27.06 28.04 9.59 22.1 26.82 34.27 34.93 44.77 47.88 27.84 15.94 17.64 15.18 10.46 27.28 24.09 32.49 28.8 28.1 27.61 36.05 33.58 36.6 34.2 31.91 0 0 0 28.08 25.03 24.77 0 0 0 0 0
Cash Conversion Cycle 20.08 19.11 16.05 16.49 9.57 25.67 10.23 3.99 3.24 -4.56 -12.35 -19.44 4.69 12.86 16.07 12.29 15.89 6.57 7.39 4.04 5.11 4.9 4.5 0.382 -2 -0.6 1.65 4.9 33.42 40.35 39.77 13.3 17.78 17.04 47.49 46.33 47.89 0 0
Cash Conversion Ratio 1.29 1.32 1.16 1.28 1.05 1.38 1.08 1.13 1.32 1.28 0.867 1.26 4.11 1.56 3.39 11.73 -0.432 1.89 1.57 1.2 1.54 1.36 2.38 0.636 1.41 1.49 1.35 1.08 1.17 1.28 1.19 1.36 1.3 1.37 1.4 1.3 1.33 0 0
Free Cash Flow to Earnings 1.29 1.32 1.16 1.28 1.05 1.38 1.07 1.13 1.32 1.28 0.867 1.26 4.11 1.56 3.39 11.73 -0.432 1.89 1.57 1.2 1.54 1.36 2.38 0.461 1.3 1.27 1.15 0.793 1.01 1.12 0.98 1.23 1 1.19 1.24 1.22 1.21 0 0

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