41.305 USD
-0.15 (-0.35%)
Last: Jan 30, 2026, 11:33 AM
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 evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
- In the past year FMBH was profitable.
- FMBH had a positive operating cash flow in the past year.
- Each year in the past 5 years FMBH has been profitable.
- Each year in the past 5 years FMBH had a positive operating cash flow.
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 72.06% of the companies in the same industry.
- FMBH has a Return On Equity of 9.36%. This is comparable to the rest of the industry: FMBH outperforms 55.35% of its industry peers.
| 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 of 25.19%. This is comparable to the rest of the industry: FMBH outperforms 55.87% of its industry peers.
- In the last couple of years the Profit Margin of FMBH has declined.
- 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.
- Compared to 1 year ago, FMBH has more shares outstanding
- The number of shares outstanding for FMBH has been increased compared to 5 years ago.
- The debt/assets ratio for FMBH has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of FMBH is 2.52, which is a good value as it means it would take FMBH, 2.52 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of FMBH (2.52) is comparable to the rest of the industry.
- FMBH has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
- FMBH has a Debt to Equity ratio of 0.33. This is in the lower half of the industry: FMBH underperforms 69.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.02%
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.
- FMBH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.13% yearly.
- The Revenue has grown by 8.59% in the past year. This is quite good.
- FMBH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.33% yearly.
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
- FMBH is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.26% yearly.
- The Revenue is expected to grow by 16.21% on average over the next years. This is quite good.
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
- 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
- FMBH is valuated reasonably with a Price/Earnings ratio of 10.90.
- 70.50% of the companies in the same industry are more expensive than FMBH, based on the Price/Earnings ratio.
- FMBH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.39.
- With a Price/Forward Earnings ratio of 9.17, the valuation of FMBH can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FMBH indicates a somewhat cheap valuation: FMBH is cheaper than 78.07% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.72. FMBH is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.9 | ||
| Fwd PE | 9.17 |
4.2 Price Multiples
- FMBH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FMBH is cheaper than 80.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.2 | ||
| 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.
- FMBH's earnings are expected to grow with 14.26% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)3.48
EPS Next 2Y15.76%
EPS Next 3Y14.26%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.38%, FMBH has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.65, FMBH has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, FMBH pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
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
- 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 2Y15.76%
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.