FIRST MID BANCSHARES INC (FMBH) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FMBH • US3208661062

44 USD
-0.25 (-0.56%)
At close: Feb 5, 2026
44 USD
0 (0%)
After Hours: 2/5/2026, 6:27:51 PM
Fundamental Rating

4

Overall FMBH gets a fundamental rating of 4 out of 10. We evaluated FMBH against 383 industry peers in the Banks industry. Both the profitability and financial health of FMBH have multiple concerns. FMBH is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year FMBH was profitable.
  • FMBH had a positive operating cash flow in the past year.
  • Each year in the past 5 years FMBH has been profitable.
  • 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's Return On Assets of 1.11% is fine compared to the rest of the industry. FMBH outperforms 71.80% of its industry peers.
  • FMBH's Return On Equity of 9.36% is in line compared to the rest of the industry. FMBH outperforms 55.09% of its industry peers.
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 has a Profit Margin (25.19%) which is comparable to the rest of the industry.
  • FMBH's Profit Margin has improved 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • FMBH does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FMBH has been increased compared to 1 year ago.
  • The number of shares outstanding for FMBH has been increased compared to 5 years ago.
  • FMBH has a better debt/assets ratio than last year.
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

  • 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's Debt to FCF ratio of 2.52 is in line compared to the rest of the industry. FMBH outperforms 42.04% 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.
  • The Debt to Equity ratio of FMBH (0.33) is worse than 69.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 2.52
Altman-Z N/A
ROIC/WACCN/A
WACC11.84%
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. Growth

3.1 Past

  • FMBH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.45%, which is quite good.
  • Measured over the past years, FMBH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.07% on average per year.
  • 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

  • The Earnings Per Share is expected to grow by 10.99% on average over the next years. This is quite good.
  • FMBH is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.27% yearly.
EPS Next Y13.1%
EPS Next 2Y10.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year39.95%
Revenue Next 2Y22.27%
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.06, which indicates a very decent valuation of FMBH.
  • 75.72% 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 27.67.
  • Based on the Price/Forward Earnings ratio of 9.78, the valuation of FMBH can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, FMBH is valued a bit cheaper than 74.15% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FMBH to the average of the S&P500 Index (27.20), we can say FMBH is valued rather cheaply.
Industry RankSector Rank
PE 11.06
Fwd PE 9.78
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

  • Based on the Price/Free Cash Flow ratio, FMBH is valued cheaply inside the industry as 80.16% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.74
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

  • FMBH's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.84
PEG (5Y)1.37
EPS Next 2Y10.99%
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.28%, FMBH has a reasonable but not impressive dividend return.
  • FMBH's Dividend Yield is slightly below the industry average, which is at 2.71.
  • Compared to an average S&P500 Dividend Yield of 1.82, FMBH pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.28%

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
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

  • 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 2Y10.99%
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

More info and screens

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FIRST MID BANCSHARES INC

NASDAQ:FMBH (2/5/2026, 6:27:51 PM)

After market: 44 0 (0%)

44

-0.25 (-0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners47.97%
Inst Owner Change-0.63%
Ins Owners5.54%
Ins Owner Change-0.93%
Market Cap1.06B
Revenue(TTM)349.22M
Net Income(TTM)87.24M
Analysts78.46
Price Target48.28 (9.73%)
Short Float %1.11%
Short Ratio2.41
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
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)0%
PT rev (3m)-0.95%
EPS NQ rev (1m)0.42%
EPS NQ rev (3m)5.24%
EPS NY rev (1m)0.12%
EPS NY rev (3m)0.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.34%
Valuation
Industry RankSector Rank
PE 11.06
Fwd PE 9.78
P/S 3.05
P/FCF 8.74
P/OCF 8.32
P/B 1.13
P/tB 1.56
EV/EBITDA N/A
EPS(TTM)3.98
EY9.05%
EPS(NY)4.5
Fwd EY10.23%
FCF(TTM)5.04
FCFY11.45%
OCF(TTM)5.29
OCFY12.02%
SpS14.43
BVpS38.84
TBVpS28.21
PEG (NY)0.84
PEG (5Y)1.37
Graham Number58.98
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
WACC11.84%
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 Y13.1%
EPS Next 2Y10.99%
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 Year39.95%
Revenue Next 2Y22.27%
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 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 13.1% in the next year.