Obermatt

First Merchants

NSQ:FRME · US3208171096
BanksSmall

360

97
Profit price70
Cash yield89
Price/Sales49
EV / Gross Profit31
Price/Book86
Returns on capital
Profit margins
Cash Conversion68
Accruals59
Sales growth83
Profit Growth67
Long-Term EPS Growth10
Reinvestment76
Price momentum14
Debt load16
Debt serviceability78
Liquidity22
Analyst ratings67
Opinion Changes50
Price Target Upside90
Market mood75
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First Merchants clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 1/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1982
Employees1,682
ISINUS3208171096
Last UpdateApr 2, 2026
Themes
BankingFinancial ServicesInsurance

Description

First Merchants Corporation operates as a financial holding company. The company has one full-service bank charter, First Merchants Bank, which opened for business in Muncie, Indiana. The bank also operates First Merchants Private Wealth Advisors (a…

Analysis

Hidden champion

First Merchants Corporation fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.

Valuation data is not available for this company.

Growth is solid; the safety picture is stretched. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
81
2023202420252026

All-time high

90

Mar 2026

All-time low

59

Jan 2023

Average rank

75

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
49
31
38
43
Price/Earnings
85
62
66
56
Price/Book
86
56
64
56
Dividend Yield
89
65
61
57
Value (overall)
90
57
61
59

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →