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FIRST MIDWEST BANCORP INC/IL (FMBI) Stock Fundamental Analysis

NASDAQ:FMBI - Nasdaq - Common Stock

21.51  +0.58 (+2.77%)

After market: 21.3 -0.21 (-0.98%)

Fundamental Rating

2

Overall FMBI gets a fundamental rating of 2 out of 10. We evaluated FMBI against 405 industry peers in the Banks industry. FMBI has a bad profitability rating. Also its financial health evaluation is rather negative. FMBI is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year FMBI was profitable.
FMBI Yearly Net Income VS EBIT VS OCF VS FCFFMBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M 250M

1.2 Ratios

Industry RankSector Rank
ROA 0.92%
ROE 7.28%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FMBI Yearly ROA, ROE, ROICFMBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2 4 6 8

1.3 Margins

The Operating Margin and Gross Margin are not available for FMBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.57%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FMBI Yearly Profit, Operating, Gross MarginsFMBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 5 10 15 20 25

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2. Health

2.1 Basic Checks

The number of shares outstanding for FMBI remains at a similar level compared to 1 year ago.
The debt/assets ratio for FMBI has been reduced compared to a year ago.
FMBI Yearly Shares OutstandingFMBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M 100M
FMBI Yearly Total Debt VS Total AssetsFMBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 5B 10B 15B 20B

2.2 Solvency

FMBI has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
FMBI Yearly LT Debt VS Equity VS FCFFMBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 39.32% over the past year.
The Earnings Per Share has been growing slightly by 7.23% on average over the past years.
Looking at the last year, FMBI shows a small growth in Revenue. The Revenue has grown by 4.27% in the last year.
The Revenue has been growing by 8.09% on average over the past years. This is quite good.
EPS 1Y (TTM)39.32%
EPS 3Y-0.41%
EPS 5Y7.23%
EPS Q2Q%-4.65%
Revenue 1Y (TTM)4.27%
Revenue growth 3Y4.34%
Revenue growth 5Y8.09%
Sales Q2Q%4.24%

3.2 Future

FMBI is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.44% yearly.
The Revenue is expected to grow by 0.93% on average over the next years.
EPS Next Y-4.66%
EPS Next 2Y-0.25%
EPS Next 3Y-1.37%
EPS Next 5Y-1.44%
Revenue Next Year-1.45%
Revenue Next 2Y1.41%
Revenue Next 3Y0.76%
Revenue Next 5Y0.93%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FMBI Yearly Revenue VS EstimatesFMBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
FMBI Yearly EPS VS EstimatesFMBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.20, FMBI is valued correctly.
FMBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.62.
Based on the Price/Forward Earnings ratio of 13.84, the valuation of FMBI can be described as correct.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, FMBI is valued a bit cheaper.
Industry RankSector Rank
PE 13.2
Fwd PE 13.84
FMBI Price Earnings VS Forward Price EarningsFMBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FMBI Per share dataFMBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.83
EPS Next 2Y-0.25%
EPS Next 3Y-1.37%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.68%, FMBI has a reasonable but not impressive dividend return.
FMBI's Dividend Yield is comparable with the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 2.68%

5.2 History

The dividend of FMBI is nicely growing with an annual growth rate of 9.20%!
FMBI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.2%
Div Incr YearsN/A
Div Non Decr YearsN/A
FMBI Yearly Dividends per shareFMBI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

DP0%
EPS Next 2Y-0.25%
EPS Next 3Y-1.37%
FMBI Yearly Income VS Free CF VS DividendFMBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M

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FIRST MIDWEST BANCORP INC/IL

NASDAQ:FMBI (2/15/2022, 8:03:31 PM)

After market: 21.3 -0.21 (-0.98%)

21.51

+0.58 (+2.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)01-18 2022-01-18
Inst Owners0.02%
Inst Owner Change0%
Ins Owners0.5%
Ins Owner Change0%
Market Cap2.46B
Analysts76.36
Price Target25.12 (16.78%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.68%
Yearly Dividend0.56
Dividend Growth(5Y)9.2%
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.2
Fwd PE 13.84
P/S 3.27
P/FCF N/A
P/OCF N/A
P/B 0.9
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.63
EY7.58%
EPS(NY)1.55
Fwd EY7.22%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.58
BVpS24.03
TBVpSN/A
PEG (NY)N/A
PEG (5Y)1.83
Profitability
Industry RankSector Rank
ROA 0.92%
ROE 7.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.57%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
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)39.32%
EPS 3Y-0.41%
EPS 5Y7.23%
EPS Q2Q%-4.65%
EPS Next Y-4.66%
EPS Next 2Y-0.25%
EPS Next 3Y-1.37%
EPS Next 5Y-1.44%
Revenue 1Y (TTM)4.27%
Revenue growth 3Y4.34%
Revenue growth 5Y8.09%
Sales Q2Q%4.24%
Revenue Next Year-1.45%
Revenue Next 2Y1.41%
Revenue Next 3Y0.76%
Revenue Next 5Y0.93%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A