39.85 USD
-0.43 (-1.07%)
39.85 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FMBH. FMBH was compared to 387 industry peers in the Banks industry. FMBH has a bad profitability rating. Also its financial health evaluation is rather negative. FMBH is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year FMBH was profitable.
In the past year FMBH had a positive cash flow from operations.
FMBH had positive earnings in each of the past 5 years.
FMBH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FMBH (1.11%) is better than 72.09% of its industry peers.
The Return On Equity of FMBH (9.36%) is comparable to the rest of the industry.
| 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 of 25.19%. This is comparable to the rest of the industry: FMBH outperforms 56.07% of its industry peers.
FMBH's Profit Margin has declined in the last couple of years.
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.
Compared to 1 year ago, FMBH has more shares outstanding
FMBH has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FMBH has been reduced compared to a year ago.
2.2 Solvency
FMBH has a debt to FCF ratio of 2.52. This is a good value and a sign of high solvency as FMBH would need 2.52 years to pay back of 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.
FMBH has a worse Debt to Equity ratio (0.33) than 70.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.08%
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.
The Earnings Per Share has been growing slightly by 3.13% on average over the past years.
Looking at the last year, FMBH shows a quite strong growth in Revenue. The Revenue has grown by 8.59% in the last year.
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
The Earnings Per Share is expected to grow by 14.20% on average over the next years. This is quite good.
FMBH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.21% yearly.
EPS Next Y19.83%
EPS Next 2Y15.69%
EPS Next 3Y14.2%
EPS Next 5YN/A
Revenue Next Year11.97%
Revenue Next 2Y15.61%
Revenue Next 3Y16.21%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
The Price/Earnings ratio is 10.51, which indicates a very decent valuation of FMBH.
FMBH's Price/Earnings ratio is a bit cheaper when compared to the industry. FMBH is cheaper than 71.83% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.46, FMBH is valued rather cheaply.
The Price/Forward Earnings ratio is 8.86, which indicates a very decent valuation of FMBH.
FMBH's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FMBH is cheaper than 73.90% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.10, FMBH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.51 | ||
| Fwd PE | 8.86 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FMBH is valued a bit cheaper than 79.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.91 | ||
| 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 14.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)3.36
EPS Next 2Y15.69%
EPS Next 3Y14.2%
5. Dividend
5.1 Amount
FMBH has a Yearly Dividend Yield of 2.48%. Purely for dividend investing, there may be better candidates out there.
FMBH's Dividend Yield is comparable with the industry average which is at 3.11.
Compared to an average S&P500 Dividend Yield of 2.32, FMBH has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.48% |
5.2 History
The dividend of FMBH has a limited annual growth rate of 5.65%.
FMBH has been paying a dividend for at least 10 years, so it has 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
FMBH pays out 26.52% of its income as dividend. This is a sustainable payout ratio.
The dividend of FMBH is growing, but earnings are growing more, so the dividend growth is sustainable.
DP26.52%
EPS Next 2Y15.69%
EPS Next 3Y14.2%
39.85
-0.43 (-1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.86%
Inst Owner Change1.37%
Ins Owners5.06%
Ins Owner Change-0.06%
Market Cap956.40M
Revenue(TTM)346.31M
Net Income(TTM)87.24M
Analysts78.46
Price Target45.17 (13.35%)
Short Float %1.27%
Short Ratio4.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.48% |
Yearly Dividend0.94
Dividend Growth(5Y)5.65%
DP26.52%
Div Incr Years6
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.21%
Min EPS beat(2)-1.6%
Max EPS beat(2)6.03%
EPS beat(4)3
Avg EPS beat(4)2.09%
Min EPS beat(4)-1.6%
Max EPS beat(4)6.03%
EPS beat(8)4
Avg EPS beat(8)-0.96%
EPS beat(12)7
Avg EPS beat(12)-0.94%
EPS beat(16)9
Avg EPS beat(16)-0.92%
Revenue beat(2)1
Avg Revenue beat(2)0.49%
Min Revenue beat(2)-0.76%
Max Revenue beat(2)1.74%
Revenue beat(4)1
Avg Revenue beat(4)-0.36%
Min Revenue beat(4)-2.23%
Max Revenue beat(4)1.74%
Revenue beat(8)2
Avg Revenue beat(8)-0.72%
Revenue beat(12)4
Avg Revenue beat(12)1.1%
Revenue beat(16)8
Avg Revenue beat(16)9.31%
PT rev (1m)-2.21%
PT rev (3m)-2.52%
EPS NQ rev (1m)3.59%
EPS NQ rev (3m)4.95%
EPS NY rev (1m)0.55%
EPS NY rev (3m)2.94%
Revenue NQ rev (1m)1.8%
Revenue NQ rev (3m)3.47%
Revenue NY rev (1m)-4.42%
Revenue NY rev (3m)2.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.51 | ||
| Fwd PE | 8.86 | ||
| P/S | 2.76 | ||
| P/FCF | 7.91 | ||
| P/OCF | 7.53 | ||
| P/B | 1.03 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.79
EY9.51%
EPS(NY)4.5
Fwd EY11.28%
FCF(TTM)5.04
FCFY12.64%
OCF(TTM)5.29
OCFY13.27%
SpS14.43
BVpS38.84
TBVpS28.21
PEG (NY)0.53
PEG (5Y)3.36
Graham Number57.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 9.36% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.19% | ||
| GM | N/A | ||
| FCFM | 34.91% |
ROA(3y)1.01%
ROA(5y)0.97%
ROE(3y)9.85%
ROE(5y)9.13%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.52 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 30.27% | ||
| Cap/Sales | 1.75% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 138.57% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC12.08%
ROIC/WACCN/A
Cap/Depr(3y)27.18%
Cap/Depr(5y)25.63%
Cap/Sales(3y)1.59%
Cap/Sales(5y)1.53%
Profit Quality(3y)111.5%
Profit Quality(5y)119.46%
High Growth Momentum
Growth
EPS 1Y (TTM)16.62%
EPS 3Y-1.26%
EPS 5Y3.13%
EPS Q2Q%19.75%
EPS Next Y19.83%
EPS Next 2Y15.69%
EPS Next 3Y14.2%
EPS Next 5YN/A
Revenue 1Y (TTM)8.59%
Revenue growth 3Y11.01%
Revenue growth 5Y12.33%
Sales Q2Q%15.33%
Revenue Next Year11.97%
Revenue Next 2Y15.61%
Revenue Next 3Y16.21%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y137.22%
FCF growth 3Y21.94%
FCF growth 5Y15.26%
OCF growth 1Y130.26%
OCF growth 3Y21.37%
OCF growth 5Y14.64%
FIRST MID BANCSHARES INC / FMBH FAQ
What is the fundamental rating for FMBH stock?
ChartMill assigns a fundamental rating of 4 / 10 to FMBH.
What is the valuation status of FIRST MID BANCSHARES INC (FMBH) stock?
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.
How financially healthy is FIRST MID BANCSHARES INC?
The financial health rating of FIRST MID BANCSHARES INC (FMBH) is 2 / 10.
What is the earnings growth outlook for FIRST MID BANCSHARES INC?
The Earnings per Share (EPS) of FIRST MID BANCSHARES INC (FMBH) is expected to grow by 19.83% in the next year.