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First Mid Bancshares, Inc. FMBH
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 31.05
-1.52 %
$ 745 M
Market Cap
9.41
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FMBH stock under the worst case scenario is HIDDEN Compared to the current market price of 31.1 USD, First Mid Bancshares, Inc. is HIDDEN

FMBH Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FMBH stock under the base case scenario is HIDDEN Compared to the current market price of 31.1 USD, First Mid Bancshares, Inc. is HIDDEN

FMBH Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FMBH stock under the best case scenario is HIDDEN Compared to the current market price of 31.1 USD, First Mid Bancshares, Inc. is HIDDEN

FMBH Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart FMBH

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1M -13%
6M -27%
1Y 2%
3Y -13%
5Y 50%
All
$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
319 M REVENUE
15.90%
Growth Rates
1Year 15.90%
3Years 10.29%
5Years 11.89%
7Years 14.51%
10Years 16.39%
-254 M OPERATING INCOME
-287.12%
Growth Rates
1Year -287.12%
3Years -68.69%
5Years -38.04%
7Years -28.18%
10Years -24.73%
78.9 M NET INCOME
14.45%
Growth Rates
1Year 14.45%
3Years 15.29%
5Years 10.48%
7Years 16.75%
10Years 17.70%
47.2 M OPERATING CASH FLOW
-34.79%
Growth Rates
1Year -34.79%
3Years -12.13%
5Years -5.55%
7Years 0.33%
10Years 10.26%
-7.51 M INVESTING CASH FLOW
-1.58%
Growth Rates
1Year -1.58%
3Years 75.03%
5Years 25.20%
7Years 24.94%
10Years 2.85%
-41.4 M FINANCING CASH FLOW
92.55%
Growth Rates
1Year 92.55%
3Years -7.79%
5Years 13.80%
7Years 8.51%
10Years -6.97%
83.3 M REVENUE
-8.68%
Growth Rates
1Year 15.90%
3Years 10.29%
5Years 11.89%
7Years 14.51%
10Years 16.39%
0 OPERATING INCOME
0.00%
Growth Rates
1Year -287.12%
3Years -68.69%
5Years -38.04%
7Years -28.18%
10Years -24.73%
19.2 M NET INCOME
-1.61%
Growth Rates
1Year 14.45%
3Years 15.29%
5Years 10.48%
7Years 16.75%
10Years 17.70%
38.3 M OPERATING CASH FLOW
68.73%
Growth Rates
1Year -34.79%
3Years -12.13%
5Years -5.55%
7Years 0.33%
10Years 10.26%
-47 M INVESTING CASH FLOW
-142.50%
Growth Rates
1Year -1.58%
3Years 75.03%
5Years 25.20%
7Years 24.94%
10Years 2.85%
-34.3 M FINANCING CASH FLOW
54.04%
Growth Rates
1Year 92.55%
3Years -7.79%
5Years 13.80%
7Years 8.51%
10Years -6.97%
Balance Sheet First Mid Bancshares, Inc.
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Current Assets 98.9 M
Cash & Short-Term Investments 98.9 M
Receivables 0
Other Current Assets 0
Non-Current Assets 102 M
Long-Term Investments 0
PP&E 102 M
Other Non-Current Assets 0
49.35 %50.65 %Total Assets$200.5m
Current Liabilities 5.28 M
Accounts Payable 5.28 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 368 M
Long-Term Debt 368 M
Other Non-Current Liabilities 0
98.59 %Total Liabilities$373.7m
EFFICIENCY
Earnings Waterfall First Mid Bancshares, Inc.
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Revenue 319 M
Cost Of Revenue 0
Gross Profit 319 M
Operating Expenses 319 M
Operating Income -254 M
Other Expenses -333 M
Net Income 78.9 M
400m400m300m300m200m200m100m100m00(100m)(100m)(200m)(200m)(300m)(300m)319m0319m(319m)(254m)333m79mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 99.91%
5Years 99.94%
7Years 99.67%
10Years 99.77%
-79.66% OPERATING MARGIN
-79.66%
Averages
1Year -79.66%
3Years 1.40%
5Years 12.86%
7Years 20.11%
10Years 27.26%
24.76% NET MARGIN
24.76%
Averages
1Year 24.76%
3Years 26.16%
5Years 24.88%
7Years 25.09%
10Years 24.12%
3.47% ROE
3.47%
Averages
1Year 3.47%
3Years 7.89%
5Years 7.95%
7Years 8.08%
10Years 8.11%
1.05% ROA
1.05%
Averages
1Year 1.05%
3Years 1.01%
5Years 0.97%
7Years 1.01%
10Years 0.95%
-216.35% ROIC
-216.35%
Averages
1Year -216.35%
3Years -70.60%
5Years -41.66%
7Years -29.21%
10Years -20.13%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First Mid Bancshares, Inc.
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70m70m60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 78.9 M
Depreciation & Amortization 20.8 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 0
Others -7.07 M
Free Cash Flow 47.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets First Mid Bancshares, Inc.
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Wall Street analysts predict an average 1-year price target for FMBH of $38 , with forecasts ranging from a low of $38 to a high of $38 .
FMBH Lowest Price Target Wall Street Target
38 USD 22.38%
FMBH Average Price Target Wall Street Target
38 USD 22.38%
FMBH Highest Price Target Wall Street Target
38 USD 22.38%
Price
Max Price Target
Min Price Target
Average Price Target
444442424040383836363434323230302828May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.65% DIVIDEND YIELD
0.24 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.2001.2001.0001.0000.8000.8000.6000.6000.4000.4000.2000.2000.0000.0000.2050.220.230.230.240.290.30.320.290.050.360.40.2050.220.230.230.160.220.230.230.240.30.960.160.900.341.120.361.110.40.930.410.770.220.620.230.440.230.450.240.470.232015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership First Mid Bancshares, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
32 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
39.9 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Why First Mid Bancshares (FMBH) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Mid Bancshares (FMBH) have what it takes? zacks.com - 2 weeks ago
First Mid Bancshares, Inc. to Announce First Quarter 2025 Results on April 30 MATTOON, Ill., April 02, 2025 (GLOBE NEWSWIRE) -- First Mid Bancshares, Inc. (NASDAQ: FMBH) (the “Company”) announced today that it intends to issue its first quarter 2025 financial results after market close on Wednesday, April 30, 2025. Along with the press release announcing the financial results, the Company will publish an investor presentation and make it available via the investor relations section of its website. globenewswire.com - 2 weeks ago
First Mid Bancshares (FMBH) is a Top Dividend Stock Right Now: Should You Buy? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Mid Bancshares (FMBH) have what it takes? zacks.com - 1 month ago
First Mid Bancshares (FMBH) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Mid Bancshares (FMBH) have what it takes? zacks.com - 1 month ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Mid Bancshares (FMBH) have what it takes? zacks.com - 2 months ago
New Strong Buy Stocks for February 5th HWC, GIII, FMBH, EBMT and IFS have been added to the Zacks Rank #1 (Strong Buy) List on February 5, 2025. zacks.com - 2 months ago
Why First Mid Bancshares (FMBH) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Mid Bancshares (FMBH) have what it takes? zacks.com - 2 months ago
First Mid Bancshares (FMBH) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates Although the revenue and EPS for First Mid Bancshares (FMBH) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
First Mid Bancshares (FMBH) Tops Q4 Earnings and Revenue Estimates First Mid Bancshares (FMBH) came out with quarterly earnings of $0.87 per share, beating the Zacks Consensus Estimate of $0.82 per share. This compares to earnings of $0.94 per share a year ago. zacks.com - 2 months ago
Earnings Preview: First Mid Bancshares (FMBH) Q4 Earnings Expected to Decline First Mid Bancshares (FMBH) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 3 months ago
First Mid Bancshares (FMBH) Q3 Earnings Miss Estimates First Mid Bancshares (FMBH) came out with quarterly earnings of $0.83 per share, missing the Zacks Consensus Estimate of $0.84 per share. This compares to earnings of $0.77 per share a year ago. zacks.com - 5 months ago
Best Momentum Stocks to Buy for September 24th IDR, FFNW and FMBH made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on September 24, 2024. zacks.com - 6 months ago
8. Profile Summary

First Mid Bancshares, Inc. FMBH

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 745 M
Dividend Yield 0.65%
Description First Mid Bancshares, Inc., a financial holding company, provides community banking products and services to commercial, retail, and agricultural customers in the United States. It accepts various deposit products, such as demand deposits, savings accounts, money market deposits, and time deposits. The company's loan products include commercial real estate, commercial and industrial, agricultural and agricultural real estate, residential real estate, and consumer loans; and other loans comprising loans to municipalities to support community projects, such as infrastructure improvements or equipment purchases. It also offers wealth management services, which include estate planning, investment, and farm management and brokerage services for individuals; and employee benefit services for business enterprises. In addition, the company provides property and casualty, senior insurance products, and group medical insurance for businesses; and personal lines insurance to individuals. It operates through a network of 52 banking centers in Illinois and 14 offices in Missouri, as well as a loan production office in Indiana. The company was formerly known as First Mid-Illinois Bancshares, Inc. and changed its name to First Mid Bancshares, Inc. in April 2019. First Mid Bancshares, Inc. was founded in 1865 and is headquartered in Mattoon, Illinois.
Contact 1421 Charleston Avenue, Mattoon, IL, 61938 https://www.firstmid.com
IPO Date March 16, 1999
Employees 1198
Officers Mr. Jordan D. Read Senior Vice President & Chief Risk Officer Ms. Amanda D. Lewis Executive Vice President Mr. Eric S. McRae Executive Vice President & & Chief Lending Officer Mr. Jason M. Crowder SVice President & General Counsel Mr. Jeremy R. Frieburg Senior Vice President & Chief Information Officer Mr. Joseph R. Dively Chairman, President & Chief Executive Officer Mr. Matthew K. Smith CPA Executive Vice President & Chief Financial Officer Mr. Michael L. Taylor Senior EVice President & Chief Operating Officer Mr. Bradley L. Beesley Executive Vice President & Chief Wealth Management Officer Ms. Rhonda R. Gatons Executive Vice President & Director of Human Resources