38.25 USD
-0.19 (-0.49%)
Overall FMBH gets a fundamental rating of 4 out of 10. We evaluated FMBH against 387 industry peers in the Banks industry. Both the profitability and financial health of FMBH have multiple concerns. An interesting combination arises when we look at growth and value: FMBH is growing strongly while it also seems undervalued.
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.
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
FMBH's Return On Assets of 1.11% is fine compared to the rest of the industry. FMBH outperforms 72.87% of its industry peers.
Looking at the Return On Equity, with a value of 9.36%, FMBH is in line with its industry, outperforming 56.85% of the companies in the same 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's Profit Margin of 25.19% is in line compared to the rest of the industry. FMBH outperforms 56.85% of 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.
The number of shares outstanding for FMBH has been increased compared to 5 years ago.
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.
FMBH has a Debt to FCF ratio of 2.52. This is comparable to the rest of the industry: FMBH outperforms 44.19% 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's Debt to Equity ratio of 0.33 is on the low side compared to the rest of the industry. FMBH is outperformed by 68.99% 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
The Earnings Per Share has grown by an nice 16.62% over the past year.
The Earnings Per Share has been growing slightly by 3.13% on average over the past years.
The Revenue has grown by 8.59% in the past year. This is quite good.
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 13.53% yearly.
The Revenue is expected to grow by 17.62% on average over the next years. This is quite good.
EPS Next Y19.17%
EPS Next 2Y13.73%
EPS Next 3Y13.53%
EPS Next 5YN/A
Revenue Next Year17.15%
Revenue Next 2Y15.36%
Revenue Next 3Y17.62%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.09, the valuation of FMBH can be described as very reasonable.
73.39% 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 25.98.
A Price/Forward Earnings ratio of 8.80 indicates a reasonable valuation of FMBH.
FMBH's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FMBH is cheaper than 71.58% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.79, FMBH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.09 | ||
| Fwd PE | 8.8 |
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 81.40% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.59 | ||
| 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 13.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)3.22
EPS Next 2Y13.73%
EPS Next 3Y13.53%
5. Dividend
5.1 Amount
FMBH has a Yearly Dividend Yield of 2.76%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.33, FMBH has a dividend in line with its industry peers.
FMBH's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
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 2Y13.73%
EPS Next 3Y13.53%
NASDAQ:FMBH (11/26/2025, 1:13:18 PM)
38.25
-0.19 (-0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.46%
Inst Owner Change1.37%
Ins Owners5.07%
Ins Owner Change-0.06%
Market Cap918.00M
Revenue(TTM)346.31M
Net Income(TTM)87.24M
Analysts78.46
Price Target45.17 (18.09%)
Short Float %0.9%
Short Ratio2.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
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)-2.52%
PT rev (3m)-2.52%
EPS NQ rev (1m)2.81%
EPS NQ rev (3m)5.36%
EPS NY rev (1m)0.15%
EPS NY rev (3m)2.37%
Revenue NQ rev (1m)2.09%
Revenue NQ rev (3m)3.49%
Revenue NY rev (1m)5.84%
Revenue NY rev (3m)6.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.09 | ||
| Fwd PE | 8.8 | ||
| P/S | 2.65 | ||
| P/FCF | 7.59 | ||
| P/OCF | 7.23 | ||
| P/B | 0.98 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.79
EY9.91%
EPS(NY)4.35
Fwd EY11.36%
FCF(TTM)5.04
FCFY13.17%
OCF(TTM)5.29
OCFY13.83%
SpS14.43
BVpS38.84
TBVpS28.21
PEG (NY)0.53
PEG (5Y)3.22
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 Y19.17%
EPS Next 2Y13.73%
EPS Next 3Y13.53%
EPS Next 5YN/A
Revenue 1Y (TTM)8.59%
Revenue growth 3Y11.01%
Revenue growth 5Y12.33%
Sales Q2Q%15.33%
Revenue Next Year17.15%
Revenue Next 2Y15.36%
Revenue Next 3Y17.62%
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 19.17% in the next year.