FIRST MID BANCSHARES INC (FMBH) Fundamental Analysis & Valuation

NASDAQ:FMBH • US3208661062

Current stock price

39.87 USD
+0.47 (+1.19%)
At close:
39.87 USD
0 (0%)
After Hours:

This FMBH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FMBH Profitability Analysis

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 4 of the past 5 years.
FMBH Yearly Net Income VS EBIT VS OCF VS FCFFMBH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • FMBH has a better Return On Assets (1.11%) than 68.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.36%, FMBH is in line with its industry, outperforming 55.12% of the companies in the same industry.
Industry RankSector Rank
ROA 1.11%
ROE 9.36%
ROIC N/A
ROA(3y)1.04%
ROA(5y)1.01%
ROE(3y)9.19%
ROE(5y)9.45%
ROIC(3y)N/A
ROIC(5y)N/A
FMBH Yearly ROA, ROE, ROICFMBH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FMBH's Profit Margin of 25.19% is in line compared to the rest of the industry. FMBH outperforms 50.92% of its industry peers.
  • In the last couple of years the Profit Margin of FMBH has grown nicely.
  • FMBH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.19%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.31%
PM growth 5Y1.63%
GM growth 3YN/A
GM growth 5YN/A
FMBH Yearly Profit, Operating, Gross MarginsFMBH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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2

2. FMBH Health Analysis

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.
  • FMBH has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, FMBH has an improved debt to assets ratio.
FMBH Yearly Shares OutstandingFMBH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
FMBH Yearly Total Debt VS Total AssetsFMBH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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.
  • FMBH has a Debt to FCF ratio of 2.52. This is comparable to the rest of the industry: FMBH outperforms 43.04% of its industry peers.
  • A Debt/Equity ratio of 0.33 indicates that FMBH is not too dependend on debt financing.
  • FMBH has a Debt to Equity ratio of 0.33. This is in the lower half of the industry: FMBH underperforms 69.03% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 2.52
Altman-Z N/A
ROIC/WACCN/A
WACC12.1%
FMBH Yearly LT Debt VS Equity VS FCFFMBH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FMBH Yearly Current Assets VS Current LiabilitesFMBH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. FMBH Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 18.45% over the past year.
  • The Earnings Per Share has been growing by 8.07% on average over the past years. This is quite good.
  • Looking at the last year, FMBH shows a small growth in Revenue. The Revenue has grown by 7.45% in the last year.
  • Measured over the past years, FMBH shows a quite strong growth in Revenue. The Revenue has been growing by 13.32% on average per year.
EPS 1Y (TTM)18.45%
EPS 3Y2.74%
EPS 5Y8.07%
EPS Q2Q%21.84%
Revenue 1Y (TTM)7.45%
Revenue growth 3Y10.48%
Revenue growth 5Y13.32%
Sales Q2Q%12.86%

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 10.92% yearly.
  • Based on estimates for the next years, FMBH will show a very strong growth in Revenue. The Revenue will grow by 22.37% on average per year.
EPS Next Y13.15%
EPS Next 2Y10.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year40.55%
Revenue Next 2Y22.37%
Revenue Next 3YN/A
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.
FMBH Yearly Revenue VS EstimatesFMBH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
FMBH Yearly EPS VS EstimatesFMBH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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6

4. FMBH Valuation Analysis

4.1 Price/Earnings Ratio

  • FMBH is valuated reasonably with a Price/Earnings ratio of 10.02.
  • Based on the Price/Earnings ratio, FMBH is valued a bit cheaper than 74.54% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FMBH to the average of the S&P500 Index (25.96), we can say FMBH is valued rather cheaply.
  • FMBH is valuated reasonably with a Price/Forward Earnings ratio of 8.85.
  • Based on the Price/Forward Earnings ratio, FMBH is valued a bit cheaper than the industry average as 74.80% of the companies are valued more expensively.
  • FMBH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.04.
Industry RankSector Rank
PE 10.02
Fwd PE 8.85
FMBH Price Earnings VS Forward Price EarningsFMBH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • FMBH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FMBH is cheaper than 81.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.94
EV/EBITDA N/A
FMBH Per share dataFMBH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
PEG (NY)0.76
PEG (5Y)1.24
EPS Next 2Y10.92%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. FMBH Dividend Analysis

5.1 Amount

  • FMBH has a Yearly Dividend Yield of 2.52%.
  • FMBH's Dividend Yield is comparable with the industry average which is at 2.90.
  • Compared to an average S&P500 Dividend Yield of 1.91, FMBH pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.52%

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
FMBH Yearly Dividends per shareFMBH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

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 2Y10.92%
EPS Next 3YN/A
FMBH Yearly Income VS Free CF VS DividendFMBH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
FMBH Dividend Payout.FMBH Dividend Payout, showing the Payout Ratio.FMBH Dividend Payout.PayoutRetained Earnings

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FMBH Fundamentals: All Metrics, Ratios and Statistics

FIRST MID BANCSHARES INC

NASDAQ:FMBH (3/16/2026, 8:25:32 PM)

After market: 39.87 0 (0%)

39.87

+0.47 (+1.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners49.49%
Inst Owner Change3.53%
Ins Owners5.74%
Ins Owner Change0.69%
Market Cap960.07M
Revenue(TTM)349.22M
Net Income(TTM)87.24M
Analysts76.92
Price Target48.96 (22.8%)
Short Float %1.45%
Short Ratio2.8
Dividend
Industry RankSector Rank
Dividend Yield 2.52%
Yearly Dividend0.94
Dividend Growth(5Y)5.65%
DP26.52%
Div Incr Years6
Div Non Decr Years6
Ex-Date02-12
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)1.41%
PT rev (3m)8.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.42%
EPS NY rev (1m)0.05%
EPS NY rev (3m)0.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)17.97%
Valuation
Industry RankSector Rank
PE 10.02
Fwd PE 8.85
P/S 2.77
P/FCF 7.94
P/OCF 7.56
P/B 1.03
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)3.98
EY9.98%
EPS(NY)4.5
Fwd EY11.3%
FCF(TTM)5.02
FCFY12.59%
OCF(TTM)5.27
OCFY13.22%
SpS14.38
BVpS38.71
TBVpS28.11
PEG (NY)0.76
PEG (5Y)1.24
Graham Number58.88
Profitability
Industry RankSector 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)1.04%
ROA(5y)1.01%
ROE(3y)9.19%
ROE(5y)9.45%
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 3Y-2.31%
PM growth 5Y1.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector 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)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.45%
EPS 3Y2.74%
EPS 5Y8.07%
EPS Q2Q%21.84%
EPS Next Y13.15%
EPS Next 2Y10.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.45%
Revenue growth 3Y10.48%
Revenue growth 5Y13.32%
Sales Q2Q%12.86%
Revenue Next Year40.55%
Revenue Next 2Y22.37%
Revenue Next 3YN/A
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 1Y9.23%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y10.39%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST MID BANCSHARES INC / FMBH Fundamental Analysis 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 6 / 10 to FIRST MID BANCSHARES INC (FMBH). This can be considered as Fairly Valued.


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 13.15% in the next year.