42.1 USD
+0.65 (+1.57%)
At close: Jan 30, 2026
42.1 USD
0 (0%)
After Hours: 1/30/2026, 8:00:00 PM
Taking everything into account, FMBH scores 4 out of 10 in our fundamental rating. FMBH was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of FMBH have multiple concerns. FMBH is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
- FMBH had positive earnings in the past year.
- In the past year FMBH had a positive cash flow from operations.
- Each year in the past 5 years FMBH has been profitable.
- Each year in the past 5 years FMBH had a positive operating cash flow.
1.2 Ratios
- FMBH's Return On Assets of 1.11% is fine compared to the rest of the industry. FMBH outperforms 72.06% of its industry peers.
- FMBH's Return On Equity of 9.36% is in line compared to the rest of the industry. FMBH outperforms 55.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 9.36% | ||
| ROIC | N/A |
ROA(3y)1.01%
ROA(5y)0.97%
ROE(3y)9.85%
ROE(5y)9.13%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- FMBH has a Profit Margin (25.19%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of FMBH has declined.
- FMBH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.19% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.85%
PM growth 5Y-1.64%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- FMBH does not have a ROIC to compare to the WACC, probably because it is not profitable.
- FMBH has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, FMBH has more shares outstanding
- The debt/assets ratio for FMBH has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of FMBH is 2.52, which is a good value as it means it would take FMBH, 2.52 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of FMBH (2.52) is comparable to the rest of the industry.
- FMBH has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of FMBH (0.33) is worse than 69.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.98%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FMBH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.62%, which is quite good.
- Measured over the past 5 years, FMBH shows a small growth in Earnings Per Share. The EPS has been growing by 3.13% on average per year.
- FMBH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.59%.
- The Revenue has been growing by 12.33% on average over the past years. This is quite good.
EPS 1Y (TTM)16.62%
EPS 3Y-1.26%
EPS 5Y3.13%
EPS Q2Q%19.75%
Revenue 1Y (TTM)8.59%
Revenue growth 3Y11.01%
Revenue growth 5Y12.33%
Sales Q2Q%15.33%
3.2 Future
- FMBH is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.26% yearly.
- Based on estimates for the next years, FMBH will show a quite strong growth in Revenue. The Revenue will grow by 16.21% on average per year.
EPS Next Y19.98%
EPS Next 2Y15.76%
EPS Next 3Y14.26%
EPS Next 5YN/A
Revenue Next Year12.17%
Revenue Next 2Y15.61%
Revenue Next 3Y16.21%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.11, the valuation of FMBH can be described as reasonable.
- 70.50% of the companies in the same industry are more expensive than FMBH, based on the Price/Earnings ratio.
- FMBH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.30.
- Based on the Price/Forward Earnings ratio of 9.35, the valuation of FMBH can be described as reasonable.
- FMBH's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FMBH is cheaper than 78.07% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. FMBH is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.11 | ||
| Fwd PE | 9.35 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of FMBH indicates a rather cheap valuation: FMBH is cheaper than 80.68% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.36 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- FMBH's earnings are expected to grow with 14.26% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.56
PEG (5Y)3.55
EPS Next 2Y15.76%
EPS Next 3Y14.26%
5. Dividend
5.1 Amount
- FMBH has a Yearly Dividend Yield of 2.41%.
- FMBH's Dividend Yield is comparable with the industry average which is at 2.70.
- FMBH's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
5.2 History
- The dividend of FMBH has a limited annual growth rate of 5.65%.
- FMBH has paid a dividend for at least 10 years, which is a reliable track record.
- As FMBH did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)5.65%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
- 26.52% of the earnings are spent on dividend by FMBH. This is a low number and sustainable payout ratio.
- The dividend of FMBH is growing, but earnings are growing more, so the dividend growth is sustainable.
DP26.52%
EPS Next 2Y15.76%
EPS Next 3Y14.26%
FIRST MID BANCSHARES INC / FMBH FAQ
What is the fundamental rating for FMBH stock?
ChartMill assigns a fundamental rating of 4 / 10 to FMBH.
Can you provide the valuation status for FIRST MID BANCSHARES INC?
ChartMill assigns a valuation rating of 7 / 10 to FIRST MID BANCSHARES INC (FMBH). This can be considered as Undervalued.
Can you provide the profitability details for FIRST MID BANCSHARES INC?
FIRST MID BANCSHARES INC (FMBH) has a profitability rating of 3 / 10.
Can you provide the financial health for FMBH stock?
The financial health rating of FIRST MID BANCSHARES INC (FMBH) is 2 / 10.
What is the expected EPS growth for FIRST MID BANCSHARES INC (FMBH) stock?
The Earnings per Share (EPS) of FIRST MID BANCSHARES INC (FMBH) is expected to grow by 19.98% in the next year.