41.88 USD
-1.53 (-3.52%)
41.88 USD
0 (0%)
Overall FMBH gets a fundamental rating of 4 out of 10. We evaluated FMBH against 383 industry peers in the Banks industry. FMBH has a bad profitability rating. Also its financial health evaluation is rather negative. FMBH is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
- Each year in the past 5 years FMBH had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 1.11%, FMBH is doing good in the industry, outperforming 72.06% of the companies in the same industry.
- The Return On Equity of FMBH (9.36%) is comparable to the rest of the 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.
- The Operating Margin and Gross Margin are not available for FMBH so they could not be analyzed.
| 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.
- 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.
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.
- The Debt to FCF ratio of FMBH (2.52) 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.
- Looking at the Debt to Equity ratio, with a value of 0.33, FMBH is doing worse than 69.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.97%
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.
- Measured over the past 5 years, FMBH shows a small growth in Earnings Per Share. The EPS has been growing by 3.13% on average per year.
- FMBH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.59%.
- 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
- The Earnings Per Share is expected to grow by 14.26% 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 Y19.98%
EPS Next 2Y15.76%
EPS Next 3Y14.26%
EPS Next 5YN/A
Revenue Next Year12.17%
Revenue Next 2Y15.61%
Revenue Next 3Y16.21%
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.
- 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
- FMBH is valuated reasonably with a Price/Earnings ratio of 11.05.
- Compared to the rest of the industry, the Price/Earnings ratio of FMBH indicates a somewhat cheap valuation: FMBH is cheaper than 68.93% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, FMBH is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 9.30, the valuation of FMBH can be described as reasonable.
- Based on the Price/Forward Earnings ratio, FMBH is valued a bit cheaper than 72.58% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. FMBH is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.05 | ||
| Fwd PE | 9.3 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FMBH is valued a bit cheaper than the industry average as 79.11% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.31 | ||
| 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 14.26% in the coming years.
PEG (NY)0.55
PEG (5Y)3.53
EPS Next 2Y15.76%
EPS Next 3Y14.26%
5. Dividend
5.1 Amount
- FMBH has a Yearly Dividend Yield of 2.30%.
- Compared to an average industry Dividend Yield of 2.84, FMBH is paying slightly less dividend.
- FMBH's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
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
- FMBH pays out 26.52% 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.
DP26.52%
EPS Next 2Y15.76%
EPS Next 3Y14.26%
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 19.98% in the next year.