40.76 USD
-0.41 (-1%)
40.76 USD
0 (0%)
Overall FMBH gets a fundamental rating of 4 out of 10. We evaluated FMBH against 388 industry peers in the Banks industry. FMBH may be in some trouble as it scores bad on both profitability and health. FMBH is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
FMBH had positive earnings in the past year.
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 each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.11%, FMBH is in the better half of the industry, outperforming 71.91% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.36%, FMBH is in line with its industry, outperforming 56.19% 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 has a Profit Margin (25.19%) which is in line with 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.
The number of shares outstanding for FMBH has been increased compared to 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 (2.52) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.33 indicates that FMBH is not too dependend on debt financing.
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 70.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.04%
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.
Looking at the last year, FMBH shows a quite strong growth in Revenue. The Revenue has grown by 8.59% in the last year.
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
The Earnings Per Share is expected to grow by 14.20% on average over the next years. This is quite good.
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 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.
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 10.75, 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 73.97% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of FMBH to the average of the S&P500 Index (26.61), we can say FMBH is valued rather cheaply.
The Price/Forward Earnings ratio is 9.06, which indicates a very decent valuation of FMBH.
Based on the Price/Forward Earnings ratio, FMBH is valued a bit cheaper than 78.35% of the companies in the same industry.
FMBH is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.75 | ||
| Fwd PE | 9.06 |
4.2 Price Multiples
FMBH's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FMBH is cheaper than 79.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.09 | ||
| 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.
A more expensive valuation may be justified as FMBH's earnings are expected to grow with 14.20% in the coming years.
PEG (NY)0.54
PEG (5Y)3.43
EPS Next 2Y15.69%
EPS Next 3Y14.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.37%, FMBH has a reasonable but not impressive dividend return.
FMBH's Dividend Yield is comparable with the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, FMBH pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
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.
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.
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%
40.76
-0.41 (-1%)
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-0.89%
Market Cap978.24M
Revenue(TTM)346.31M
Net Income(TTM)87.24M
Analysts78.46
Price Target45.17 (10.82%)
Short Float %1.28%
Short Ratio3.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
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)1.93%
EPS NQ rev (3m)4.95%
EPS NY rev (1m)0.55%
EPS NY rev (3m)2.94%
Revenue NQ rev (1m)1.25%
Revenue NQ rev (3m)3.47%
Revenue NY rev (1m)-4.42%
Revenue NY rev (3m)1.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.75 | ||
| Fwd PE | 9.06 | ||
| P/S | 2.82 | ||
| P/FCF | 8.09 | ||
| P/OCF | 7.71 | ||
| P/B | 1.05 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.79
EY9.3%
EPS(NY)4.5
Fwd EY11.03%
FCF(TTM)5.04
FCFY12.36%
OCF(TTM)5.29
OCFY12.98%
SpS14.43
BVpS38.84
TBVpS28.21
PEG (NY)0.54
PEG (5Y)3.43
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
WACC12.04%
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 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.
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.