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First Merchants (FRME) guidance and outlook

First Merchants' 10-Q filed Oct 30, 2026 makes 2 forward-looking statements.

Guidance and outlook

2 statements; tone +0.00 (−1 all cautious, +1 all confident); 0 hedged.

Forward-looking statements, 10-Q filed Oct 30, 2026

While the base sensitivity analysis incorporates management's best estimate of interest rate and balance sheet dynamics under various market rate movements, the actual behavior and resulting earnings impact will likely differ from those projected.
Assumptions and methodologies regarding the interest rate or balance behavior of indeterminate maturity products, such as savings, money market, interest-bearing and demand deposits, reflect management's best estimate of expected future behavior.

First Merchants' latest quarter

First Merchants, Q3 2026: revenue $199M (+20% year over year), operating margin 39.9%, net earnings $68.3M, operating cash flow $78.4M. The chart follows the revenue to costs, profit and cash.

Questions

What does First Merchants expect?

While the base sensitivity analysis incorporates management's best estimate of interest rate and balance sheet dynamics under various market rate movements, the actual behavior and resulting earnings impact will likely differ from those projected. Assumptions and methodologies regarding the interest rate or balance behavior of indeterminate maturity products, such as savings, money market, interest-bearing and demand deposits, reflect management's best estimate of expected future behavior.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.