FIRST MID BANCSHARES INC (FMBH) Stock Fundamental Analysis

NASDAQ:FMBH • US3208661062

40.52 USD
-0.98 (-2.36%)
Last: Mar 3, 2026, 11:17 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall FMBH gets a fundamental rating of 4 out of 10. We evaluated FMBH against 379 industry peers in the Banks industry. FMBH has a bad profitability rating. Also its financial health evaluation is rather negative. FMBH is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

3

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.
  • In the past 5 years FMBH has always been profitable.
  • Of the past 5 years FMBH 4 years had a positive operating cash flow.
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 Return On Assets of 1.11%. This is in the better half of the industry: FMBH outperforms 69.92% of its industry peers.
  • With a Return On Equity value of 9.36%, FMBH perfoms like the industry average, outperforming 55.15% 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

  • Looking at the Profit Margin, with a value of 25.19%, FMBH is in line with its industry, outperforming 54.35% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FMBH has grown nicely.
  • The Operating Margin and Gross Margin are not available for FMBH so they could not be analyzed.
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. 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
  • The debt/assets ratio for FMBH has been reduced compared to a year ago.
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 has a Debt to FCF ratio (2.52) which is in line with 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 69.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 2.52
Altman-Z N/A
ROIC/WACCN/A
WACC11.77%
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

  • The Earnings Per Share has grown by an nice 18.45% over the past year.
  • FMBH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.07% yearly.
  • FMBH shows a small growth in Revenue. In the last year, the Revenue has grown by 7.45%.
  • FMBH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.32% yearly.
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 10.99% yearly.
  • The Revenue is expected to grow by 22.37% on average over the next years. This is a very strong growth
EPS Next Y13.1%
EPS Next 2Y10.99%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.18, the valuation of FMBH can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of FMBH indicates a somewhat cheap valuation: FMBH is cheaper than 76.25% of the companies listed in the same industry.
  • FMBH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.13.
  • FMBH is valuated reasonably with a Price/Forward Earnings ratio of 9.00.
  • Based on the Price/Forward Earnings ratio, FMBH is valued a bit cheaper than 75.20% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.11. FMBH is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.18
Fwd PE 9
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 80.74% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.04
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)0.78
PEG (5Y)1.26
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 2.34%, FMBH has a reasonable but not impressive dividend return.
  • FMBH's Dividend Yield is comparable with the industry average which is at 2.73.
  • 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 2.34%

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

  • 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

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FIRST MID BANCSHARES INC

NASDAQ:FMBH (3/3/2026, 11:17:46 AM)

40.52

-0.98 (-2.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners47.97%
Inst Owner Change3.43%
Ins Owners5.54%
Ins Owner Change0.69%
Market Cap972.07M
Revenue(TTM)349.22M
Net Income(TTM)87.24M
Analysts76.67
Price Target48.96 (20.83%)
Short Float %1.35%
Short Ratio2.65
Dividend
Industry RankSector Rank
Dividend Yield 2.34%
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)7.01%
PT rev (3m)8.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.36%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)3.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.25%
Revenue NY rev (1m)17.97%
Revenue NY rev (3m)18.47%
Valuation
Industry RankSector Rank
PE 10.18
Fwd PE 9
P/S 2.81
P/FCF 8.04
P/OCF 7.66
P/B 1.04
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)3.98
EY9.82%
EPS(NY)4.5
Fwd EY11.11%
FCF(TTM)5.04
FCFY12.44%
OCF(TTM)5.29
OCFY13.06%
SpS14.44
BVpS38.86
TBVpS28.22
PEG (NY)0.78
PEG (5Y)1.26
Graham Number58.99
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
WACC11.77%
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 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 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.