39.62 USD
-0.48 (-1.18%)
39.62 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FMBH. FMBH was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of FMBH have multiple concerns. FMBH has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare 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.
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 72.09% of its industry peers.
FMBH's Return On Equity of 9.36% is in line compared to the rest of the industry. FMBH outperforms 55.56% 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
With a Profit Margin value of 25.19%, FMBH perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
FMBH's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FMBH so they could not be analyzed.
| 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
FMBH has a better debt/assets ratio than last year.
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.
FMBH has a Debt to FCF ratio of 2.52. This is comparable to the rest of the industry: FMBH outperforms 41.60% of its industry peers.
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 Debt to Equity ratio of 0.33. This is in the lower half of the industry: FMBH underperforms 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
WACC12.1%
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.
The Revenue has grown by 8.59% in the past year. This is quite good.
Measured over the past years, FMBH shows a quite strong growth in Revenue. The Revenue has been growing by 12.33% on average per year.
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
Based on estimates for the next years, FMBH will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.20% on average per year.
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 Y19.83%
EPS Next 2Y15.69%
EPS Next 3Y14.2%
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
With a Price/Earnings ratio of 10.45, the valuation of FMBH can be described as very reasonable.
Based on the Price/Earnings ratio, FMBH is valued a bit cheaper than the industry average as 76.23% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.19. FMBH is valued rather cheaply when compared to this.
FMBH is valuated reasonably with a Price/Forward Earnings ratio of 8.81.
Based on the Price/Forward Earnings ratio, FMBH is valued a bit cheaper than 79.84% of the companies in the same industry.
FMBH is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.45 | ||
| Fwd PE | 8.81 |
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 80.62% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.87 | ||
| 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)3.34
EPS Next 2Y15.69%
EPS Next 3Y14.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.49%, FMBH has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.90, FMBH has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.92, FMBH pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
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.
FMBH has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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.
FMBH's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP26.52%
EPS Next 2Y15.69%
EPS Next 3Y14.2%
39.62
-0.48 (-1.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.97%
Inst Owner Change0%
Ins Owners5.54%
Ins Owner Change-0.93%
Market Cap950.88M
Revenue(TTM)346.31M
Net Income(TTM)87.24M
Analysts78.46
Price Target45.75 (15.47%)
Short Float %1.37%
Short Ratio3.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
Yearly Dividend0.94
Dividend Growth(5Y)5.65%
DP26.52%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
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)1.29%
PT rev (3m)-1.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.95%
EPS NY rev (1m)0%
EPS NY rev (3m)0.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.47%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)1.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.45 | ||
| Fwd PE | 8.81 | ||
| P/S | 2.75 | ||
| P/FCF | 7.87 | ||
| P/OCF | 7.49 | ||
| P/B | 1.02 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.79
EY9.57%
EPS(NY)4.5
Fwd EY11.35%
FCF(TTM)5.04
FCFY12.71%
OCF(TTM)5.29
OCFY13.35%
SpS14.43
BVpS38.84
TBVpS28.21
PEG (NY)0.53
PEG (5Y)3.34
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
WACC12.1%
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 Year12.17%
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.
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 19.83% in the next year.