FIRST MID BANCSHARES INC (FMBH) Fundamental Analysis & Valuation

NASDAQ:FMBH • US3208661062

Current stock price

40.23 USD
-0.33 (-0.81%)
Last:

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.
  • 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.
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 1.15%. This is in the better half of the industry: FMBH outperforms 69.21% of its industry peers.
  • With a Return On Equity value of 9.57%, FMBH perfoms like the industry average, outperforming 54.21% of the companies in the same industry.
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

  • The Profit Margin of FMBH (26.27%) is comparable to the rest of the industry.
  • FMBH's Profit Margin has improved in the last couple of years.
  • 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.
  • 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
  • Compared to 1 year ago, FMBH has an improved debt to assets ratio.
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 2.27. This is a good value and a sign of high solvency as FMBH would need 2.27 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.27, FMBH is in line with its industry, outperforming 46.05% of the companies in the same industry.
  • A Debt/Equity ratio of 0.29 indicates that FMBH is not too dependend on debt financing.
  • The Debt to Equity ratio of FMBH (0.29) is worse than 66.32% of its industry peers.
  • Although FMBH's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 2.27
Altman-Z N/A
ROIC/WACCN/A
WACC11.4%
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.
  • The Earnings Per Share has been growing by 8.07% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 7.45% in the past year.
  • 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

  • A Price/Earnings ratio of 10.11 indicates a reasonable valuation of FMBH.
  • Based on the Price/Earnings ratio, FMBH is valued a bit cheaper than the industry average as 73.68% of the companies are valued more expensively.
  • FMBH is valuated cheaply when we compare the Price/Earnings ratio to 25.61, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 8.93, the valuation of FMBH can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, FMBH is valued a bit cheaper than 73.42% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.79. FMBH is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.11
Fwd PE 8.93
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FMBH indicates a somewhat cheap valuation: FMBH is cheaper than 75.79% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.63
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

  • FMBH has a Yearly Dividend Yield of 2.52%.
  • Compared to an average industry Dividend Yield of 2.78, FMBH has a dividend in line with its industry peers.
  • 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 2.52%

5.2 History

  • The dividend of FMBH has a limited annual growth rate of 4.96%.
  • 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)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

  • 25.50% of the earnings are spent on dividend by FMBH. This is a low number and sustainable payout ratio.
  • FMBH's earnings are growing more than its dividend. This makes the dividend growth 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 (3/26/2026, 10:56:08 AM)

40.23

-0.33 (-0.81%)

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 (21.7%)
Short Float %1.45%
Short Ratio2.8
Dividend
Industry RankSector Rank
Dividend Yield 2.52%
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)1.41%
PT rev (3m)8.39%
EPS NQ rev (1m)0.13%
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 10.11
Fwd PE 8.93
P/S 3.07
P/FCF 8.63
P/OCF 8.18
P/B 1.12
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)3.98
EY9.89%
EPS(NY)4.5
Fwd EY11.19%
FCF(TTM)4.66
FCFY11.58%
OCF(TTM)4.92
OCFY12.22%
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
WACC11.4%
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.