FIRST MERCHANTS CORP (FRME)
National Commercial Banks · Financial Services · $2.6B
Intrinsic Value (Consensus)
$72.27
Current Price
$41.25
Margin of Safety
+75.2%
75.2% Below Intrinsic Value
Value: $72
Price: $41
Valuation Model Estimates
Current Price: $41.25
DCF (Discounted Cash Flow)
$115.11
Graham Number
$58.69
Earnings Power Value
$37.67
Relative Value (P/E)
$77.60
Dividend Discount Model
Not applicable
—
Consensus Value
$72.27
Model Assumptions
Discount Rate
10.3%
Growth Rate
13.8%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
64
Profitability
15/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
High free cash flow yield (9.4%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.88
- EPS (Forward)
- $4.41
- Book Value
- $39.46
- P/E Ratio
- 20.0
- Forward P/E
- 17.6
- PEG Ratio
- —
- ROE
- 9.2%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 13.8%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance