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

USA - Nasdaq - NASDAQ:FMBI - Common Stock

21.51
+0.58 (+2.77%)
Last: 2/15/2022, 8:03:31 PM
21.3
-0.21 (-0.98%)
After Hours: 2/15/2022, 8:03:31 PM
Fundamental Rating

2

FMBI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. FMBI may be in some trouble as it scores bad on both profitability and health. FMBI is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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 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 2016 2017 2018 2019 2020 2021 2 4 6 8

1.3 Margins

  • FMBI 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) 26.57%
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 2016 2017 2018 2019 2020 2021 5 10 15 20 25

More info and screens

1

2. Health

2.1 Basic Checks

  • The number of shares outstanding for FMBI remains at a similar level compared to 1 year ago.
  • Compared to 1 year ago, FMBI has an improved debt to assets ratio.
FMBI Yearly Shares OutstandingFMBI Yearly Shares OutstandingYearly Shares Outstanding 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 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 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

More info and screens

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 39.32% over the past year.
  • FMBI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.23% yearly.
  • The Revenue has been growing slightly by 4.27% in the past year.
  • FMBI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.09% yearly.
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

  • The Earnings Per Share is expected to decrease by -1.44% on average over the next years.
  • Based on estimates for the next years, FMBI will show a small growth in Revenue. The Revenue will grow by 0.93% on average per year.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

  • FMBI is valuated correctly with a Price/Earnings ratio of 13.20.
  • FMBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.47.
  • Based on the Price/Forward Earnings ratio of 13.84, the valuation of FMBI can be described as correct.
  • The average S&P500 Price/Forward Earnings ratio is at 24.26. FMBI is valued slightly cheaper when compared to this.
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%

More info and screens

4

5. Dividend

5.1 Amount

  • FMBI has a Yearly Dividend Yield of 2.68%.
  • Compared to an average S&P500 Dividend Yield of 1.89, FMBI pays a bit more dividend than the S&P500 average.
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 been paying a dividend for at least 10 years, so it has 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 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 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M

More info and screens

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
Earnings (Next)01-18
Inst Owners0.02%
Inst Owner Change0%
Ins Owners0.5%
Ins Owner Change0%
Market Cap2.46B
Revenue(TTM)751.09M
Net Income(TTM)199.54M
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
Graham NumberN/A
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
ROICexgc growth 3Y0%
ROICexgc 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

FIRST MIDWEST BANCORP INC/IL / FMBI FAQ

What is the fundamental rating for FMBI stock?

ChartMill assigns a fundamental rating of 3 / 10 to FMBI.


Can you provide the valuation status for FIRST MIDWEST BANCORP INC/IL?

ChartMill assigns a valuation rating of 4 / 10 to FIRST MIDWEST BANCORP INC/IL (FMBI). This can be considered as Fairly Valued.


What is the profitability of FMBI stock?

FIRST MIDWEST BANCORP INC/IL (FMBI) has a profitability rating of 1 / 10.


What is the financial health of FIRST MIDWEST BANCORP INC/IL (FMBI) stock?

The financial health rating of FIRST MIDWEST BANCORP INC/IL (FMBI) is 3 / 10.


What is the earnings growth outlook for FIRST MIDWEST BANCORP INC/IL?

The Earnings per Share (EPS) of FIRST MIDWEST BANCORP INC/IL (FMBI) is expected to decline by -4.66% in the next year.