FRMEP — Stock Film
STOCK FILMSCENE 1/11FRMEP · $25.24
Stock Expert AI presents
FRMEP
First Merchants Corporation
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
First Merchants Corporation. A quick introduction.

On the stock market since 2020, it operates in the world of money and finance. It has 2,086 employees. Now — the numbers.

on the stock market since 2020
2,086 employees
$2.8B market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $22 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 22%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
38%Fiduciary and Trust
Fiduciary and Trust 38%Deposit Account 36%Credit Card 21%Derivative Hedging 4%Financial Service, Other 2%
38% of all revenue comes from a single line: Fiduciary and Trust.

Revenue is spread across several business lines; no single line carries the company.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 17% a year over the last 4 years. Every year shown ended in profit.

$556M
2021
$712.9M
2022
$999.5M
2023
$1.1B
2024
$1.1B
2025
What executives did with their own stock over the last 12 months:
53 buy25 sell

Executives buying with their own money is usually read as confidence in the company’s future.

INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
71
strong

Clearly above the class average — a step short of the very top.

FINANCIAL STRENGTH
15
very weak

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
96
very strong

The price looks reasonable next to what the company earns.

GROWTH
75
strong

Clearly above the class average — a step short of the very top.

PRICE MOMENTUM
34
very weak

Clearly below the class average.

WORTH WATCHING

Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.

Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.

THE FIVE-YEAR JOURNEY
Trading below its recent peak.

The stock trades below its recent peak — about 14% off the top. A pullback, not a collapse.

1
THE BRIGHT SIDE · 1/3
A fat profit margin

The net profit margin is 22% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.

2
THE BRIGHT SIDE · 2/3
Sales keep climbing

Over the last 3 years, sales grew about 14% a year on average.

3
THE BRIGHT SIDE · 3/3
Executives are buying their own stock

Over the last 12 months, company executives reported 53 buys and 25 sells. Management buying with its own money is usually read as a good sign.

1
THE RISKS · 1/2
A thin financial cushion

The balance sheet offers little cushion against a rough stretch. Report-card grade: 15/100.

2
THE RISKS · 2/2
The stock has lost its spark

Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 34/100. For a turnaround signal, the stock first needs to close the gap with the market.

FINALE · THE GRADE
B
0 / 100 · MoonshotScore

On our five-subject report card, FRMEP sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”

The takeaway: FRMEP is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.

The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.

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This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film