FIRST MID BANCSHARES INC (FMBH) Fundamental Analysis & Valuation

NASDAQ:FMBH • US3208661062

Current stock price

40.12 USD
-0.48 (-1.18%)
At close:
40.12 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.

4

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 each 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 1.15% is fine compared to the rest of the industry. FMBH outperforms 69.21% of its industry peers.
  • FMBH's Return On Equity of 9.57% is in line compared to the rest of the industry. FMBH outperforms 54.21% of its industry peers.
Industry RankSector Rank
ROA 1.15%
ROE 9.57%
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 (26.27%) which is in line with 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) 26.27%
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.
  • Compared to 1 year ago, FMBH has more shares outstanding
  • FMBH has more shares outstanding than it did 5 years ago.
  • 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

  • The Debt to FCF ratio of FMBH is 2.27, which is a good value as it means it would take FMBH, 2.27 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 2.27, FMBH perfoms like the industry average, outperforming 46.05% of the companies in the same industry.
  • FMBH has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
  • FMBH has a worse Debt to Equity ratio (0.29) than 66.32% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for FMBH, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 2.27
Altman-Z N/A
ROIC/WACCN/A
WACC11.49%
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

  • 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.
  • 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

  • The Earnings Per Share is expected to grow by 10.92% 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 22.37% yearly.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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 10.08.
  • FMBH's Price/Earnings ratio is a bit cheaper when compared to the industry. FMBH is cheaper than 73.68% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FMBH to the average of the S&P500 Index (24.89), we can say FMBH is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.91 indicates a reasonable valuation of FMBH.
  • Based on the Price/Forward Earnings ratio, FMBH is valued a bit cheaper than the industry average as 73.68% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. FMBH is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.08
Fwd PE 8.91
FMBH Price Earnings VS Forward Price EarningsFMBH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FMBH indicates a somewhat cheap valuation: FMBH is cheaper than 75.53% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.61
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)0.77
PEG (5Y)1.25
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

  • With a Yearly Dividend Yield of 2.46%, FMBH has a reasonable but not impressive dividend return.
  • FMBH's Dividend Yield is comparable with the industry average which is at 2.66.
  • Compared to an average S&P500 Dividend Yield of 1.89, FMBH pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.46%

5.2 History

  • The dividend of FMBH has a limited annual growth rate of 4.96%.
  • FMBH has been paying a dividend for at least 10 years, so it has 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)4.96%
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 25.50% 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.
DP25.5%
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 (3/27/2026, 8:18:23 PM)

After market: 40.12 0 (0%)

40.12

-0.48 (-1.18%)

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 Cap1.07B
Revenue(TTM)349.22M
Net Income(TTM)91.75M
Analysts76.92
Price Target48.96 (22.03%)
Short Float %1.45%
Short Ratio2.8
Dividend
Industry RankSector Rank
Dividend Yield 2.46%
Yearly Dividend0.98
Dividend Growth(5Y)4.96%
DP25.5%
Div Incr Years6
Div Non Decr Years6
Ex-Date02-12
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.93%
Min EPS beat(2)-2.27%
Max EPS beat(2)-1.6%
EPS beat(4)2
Avg EPS beat(4)0.69%
Min EPS beat(4)-2.27%
Max EPS beat(4)6.03%
EPS beat(8)4
Avg EPS beat(8)0.17%
EPS beat(12)6
Avg EPS beat(12)-1.52%
EPS beat(16)8
Avg EPS beat(16)-1.07%
Revenue beat(2)0
Avg Revenue beat(2)-2.21%
Min Revenue beat(2)-3.66%
Max Revenue beat(2)-0.76%
Revenue beat(4)1
Avg Revenue beat(4)-0.72%
Min Revenue beat(4)-3.66%
Max Revenue beat(4)1.74%
Revenue beat(8)1
Avg Revenue beat(8)-1.19%
Revenue beat(12)3
Avg Revenue beat(12)-1.24%
Revenue beat(16)7
Avg Revenue beat(16)7%
PT rev (1m)0%
PT rev (3m)7.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.77%
EPS NY rev (1m)0.05%
EPS NY rev (3m)0.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)24.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)17.97%
Valuation
Industry RankSector Rank
PE 10.08
Fwd PE 8.91
P/S 3.06
P/FCF 8.61
P/OCF 8.16
P/B 1.11
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)3.98
EY9.92%
EPS(NY)4.5
Fwd EY11.22%
FCF(TTM)4.66
FCFY11.61%
OCF(TTM)4.92
OCFY12.25%
SpS13.12
BVpS36.01
TBVpS26.51
PEG (NY)0.77
PEG (5Y)1.25
Graham Number56.79
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 9.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.27%
GM N/A
FCFM 35.52%
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 0.29
Debt/FCF 2.27
Debt/EBITDA N/A
Cap/Depr 34.63%
Cap/Sales 1.96%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 135.18%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.49%
ROIC/WACCN/A
Cap/Depr(3y)27.61%
Cap/Depr(5y)28.36%
Cap/Sales(3y)1.59%
Cap/Sales(5y)1.66%
Profit Quality(3y)128.8%
Profit Quality(5y)119.53%
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 1Y3.81%
FCF growth 3Y26.83%
FCF growth 5Y15.22%
OCF growth 1Y5.18%
OCF growth 3Y25.75%
OCF growth 5Y15.55%

FIRST MID BANCSHARES INC / FMBH Fundamental Analysis FAQ

What is the fundamental rating for FMBH stock?

ChartMill assigns a fundamental rating of 5 / 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 4 / 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.