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First Mid Bancshares, Inc. FMBH
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 41.99
1.08 %
$ 1 B
Market Cap
12.96
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one FMBH stock under the base case scenario is HIDDEN Compared to the current market price of 42 USD, First Mid Bancshares, Inc. is HIDDEN

FMBH Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart FMBH

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FINANCIALS
274 M REVENUE
7.65%
Growth Rates
1Year 7.65%
3Years 13.61%
5Years 13.25%
7Years 15.81%
10Years 14.75%
88.4 M OPERATING INCOME
-32.86%
Growth Rates
1Year -32.86%
3Years 13.95%
5Years 7.59%
7Years 10.45%
10Years 11.02%
68.9 M NET INCOME
-5.51%
Growth Rates
1Year -5.51%
3Years 15.05%
5Years 13.50%
7Years 17.85%
10Years 16.69%
75.9 M OPERATING CASH FLOW
15.25%
Growth Rates
1Year 15.25%
3Years 6.08%
5Years 12.46%
7Years 15.65%
10Years 11.89%
474 M INVESTING CASH FLOW
365.48%
Growth Rates
1Year 365.48%
3Years 41.67%
5Years 114.38%
7Years 34.77%
10Years 24.66%
-556 M FINANCING CASH FLOW
-575.18%
Growth Rates
1Year -575.18%
3Years -18.62%
5Years -93.46%
7Years -29.24%
10Years -37.04%
91.2 M REVENUE
-17.87%
Growth Rates
1Year 7.65%
3Years 13.61%
5Years 13.25%
7Years 15.81%
10Years 14.75%
25.4 M OPERATING INCOME
-18.28%
Growth Rates
1Year -32.86%
3Years 13.95%
5Years 7.59%
7Years 10.45%
10Years 11.02%
19.5 M NET INCOME
-1.33%
Growth Rates
1Year -5.51%
3Years 15.05%
5Years 13.50%
7Years 17.85%
10Years 16.69%
22.7 M OPERATING CASH FLOW
-34.85%
Growth Rates
1Year 15.25%
3Years 6.08%
5Years 12.46%
7Years 15.65%
10Years 11.89%
-19.4 M INVESTING CASH FLOW
50.32%
Growth Rates
1Year 365.48%
3Years 41.67%
5Years 114.38%
7Years 34.77%
10Years 24.66%
-74.6 M FINANCING CASH FLOW
35.71%
Growth Rates
1Year -575.18%
3Years -18.62%
5Years -93.46%
7Years -29.24%
10Years -37.04%
Balance Sheet Decomposition First Mid Bancshares, Inc.
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Current Assets 181 M
Cash & Short-Term Investments 143 M
Receivables 0
Other Current Assets 37.7 M
Non-Current Assets 7.43 B
Long-Term Investments 1.18 B
PP&E 116 M
Other Non-Current Assets 6.13 B
Current Liabilities 0
Accounts Payable 5.44 M
Short-Term Debt 0
Other Current Liabilities -5.44 M
Non-Current Liabilities 6.79 B
Long-Term Debt 349 M
Other Non-Current Liabilities 6.44 B
EFFICIENCY
Earnings Waterfall First Mid Bancshares, Inc.
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Revenue 274 M
Cost Of Revenue 0
Gross Profit 274 M
Operating Expenses 275 M
Operating Income 88.4 M
Other Expenses 19.5 M
Net Income 68.9 M
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 99.71%
10Years 99.80%
32.25% OPERATING MARGIN
32.25%
Averages
1Year 32.25%
3Years 37.36%
5Years 35.77%
7Years 37.78%
10Years 39.71%
25.15% NET MARGIN
25.15%
Averages
1Year 25.15%
3Years 25.16%
5Years 25.22%
7Years 24.65%
10Years 23.86%
8.69% ROE
8.69%
Averages
1Year 8.69%
3Years 9.45%
5Years 9.08%
7Years 8.82%
10Years 8.70%
0.91% ROA
0.91%
Averages
1Year 0.91%
3Years 0.95%
5Years 1.01%
7Years 0.99%
10Years 0.94%
6.11% ROIC
6.11%
Averages
1Year 6.11%
3Years 6.99%
5Years 6.83%
7Years 7.16%
10Years 7.60%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First Mid Bancshares, Inc.
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Net Income 68.9 M
Depreciation & Amortization 14.1 M
Capital Expenditures -3.64 M
Stock-Based Compensation 1.66 M
Change in Working Capital -23.9 M
Others -25.6 M
Free Cash Flow 72.2 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 -9.50%
FMBH Average Price Target Wall Street Target
38 USD -9.50%
FMBH Highest Price Target Wall Street Target
38 USD -9.50%
4. DIVIDEND ANALYSIS
0.61% DIVIDEND YIELD
0.24 USD DIVIDEND PER SHARE
5. COMPETITION

Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest and interest bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans.

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28.1 USD
FNWD
Overvalued 10.63%

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States.

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47.3 USD
GSBC
Overvalued 25.22%

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania.

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28.6 USD
FRAF
Overvalued 14.12%

Community West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California.

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26.3 USD
CWBC
Undervalued 28.52%

First Northwest Bancorp operates as a bank holding company for First Fed Bank that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States.

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5.63 USD
FNWB
Overvalued 47.83%

First Financial Northwest, Inc. operates as the bank holding company for First Financial Northwest Bank that provides commercial banking services in Washington.

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0.673 USD
FFNW
Overvalued 96.96%

Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services in Louisiana and Mississippi.

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81.1 USD
HBCP
Undervalued 64.20%

Heritage Financial Corporation operates as the bank holding company for Heritage Bank that provides various financial services to small and medium sized businesses and individuals in the United States.

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28 USD
HFWA
Undervalued 7.00%

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services.

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-29.9 USD
HTBI
Overvalued 180.03%

Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services.

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19 USD
LSBK
Undervalued 40.60%

First Community Corporation operates as the bank holding company for First Community Bank which offers various commercial and retail banking products and services to small-to-medium sized businesses, professional concerns, and individuals.

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21.2 USD
FCCO
Overvalued 12.55%

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations.

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9.74 USD
HFBL
Overvalued 20.62%

FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers.

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13.3 USD
FINW
Overvalued 25.05%

Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust that offers banking and wealth management services to individuals and corporate customers.

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89.1 USD
EFSC
Undervalued 51.49%
6. Ownership
Insider Ownership First Mid Bancshares, Inc.
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Sold
0-3 MONTHS
15.1 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
64.1 K USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 week ago
Nov 05, 2024
Sell 15.1 K USD
Dean Clay M
CEO-First Mid Insurance Group
- 400
 37.7834 USD
11 months ago
Nov 28, 2023
Sell 33.4 K USD
JAMES TODD J
Director
- 1092
 30.5705 USD
1 year ago
Nov 14, 2023
Sell 30.7 K USD
Dean Clay M
CEO-First Mid Insurance Group
- 1000
 30.74 USD
1 year ago
May 10, 2023
Bought 113 K USD
Cook Robert S
Director
+ 5000
 22.51 USD
1 year ago
May 10, 2023
Bought 112 K USD
Cook Robert S
Director
+ 5000
 22.46 USD
1 year ago
May 01, 2023
Bought 25.2 K USD
Dean Clay M
CEO-First Mid Insurance Group
+ 1000
 25.22 USD
1 year ago
Dec 23, 2022
Sell 32.1 K USD
Beesley Bradley L
EVP, CEO First Mid Wealth Mgmt
- 1000
 32.095 USD
2 years ago
Jun 13, 2022
Bought 9.37 K USD
McCurry James Kyle
director:
+ 261
 35.9 USD
2 years ago
Jun 07, 2022
Bought 9.87 K USD
McCurry James Kyle
director:
+ 260
 37.95 USD
2 years ago
Mar 01, 2022
Bought 5.25 K USD
McCurry James Kyle
director:
+ 135
 38.9 USD
2 years ago
Feb 24, 2022
Bought 10 K USD
McCurry James Kyle
Director
+ 260
 38.49 USD
2 years ago
Feb 14, 2022
Bought 15.2 K USD
McCurry James Kyle
Director
+ 380
 39.95 USD
2 years ago
Nov 24, 2021
Bought 6.73 K USD
McCurry James Kyle
Director
+ 153
 44 USD
3 years ago
Sep 17, 2021
Bought 5.62 K USD
McCurry James Kyle
Director
+ 150
 37.5 USD
3 years ago
Aug 17, 2021
Bought 20 K USD
McCurry James Kyle
Director
+ 500
 39.95 USD
3 years ago
Aug 06, 2021
Sell 8.11 K USD
GATONS RHONDA G
SVP, Chief Human Resources Ofc
- 193
 42 USD
3 years ago
Feb 23, 2021
Sell 214 K USD
SPARKS RAY A
Director
- 5952
 36 USD
3 years ago
Feb 24, 2021
Sell 893 K USD
SPARKS RAY A
Director
- 24805
 36.0028 USD
3 years ago
Feb 10, 2021
Sell 29.3 K USD
SPARKS RAY A
Director
- 813
 36 USD
3 years ago
Feb 08, 2021
Sell 169 K USD
SPARKS RAY A
Director
- 4825
 35 USD
3 years ago
Feb 04, 2021
Sell 181 K USD
SPARKS RAY A
Director
- 5175
 35 USD
3 years ago
Jan 14, 2021
Sell 303 K USD
SPARKS RAY A
Director
- 8430
 36.0021 USD
3 years ago
Jan 12, 2021
Sell 123 K USD
SPARKS RAY A
Director
- 3468
 35.4552 USD
3 years ago
Jan 11, 2021
Sell 49.1 K USD
SPARKS RAY A
Director
- 1398
 35.0938 USD
3 years ago
Jan 08, 2021
Sell 181 K USD
SPARKS RAY A
Director
- 5134
 35.3243 USD
4 years ago
Jun 09, 2020
Bought 14.2 K USD
Dean Clay M
CEO-First Mid Insurance Group
+ 505
 28.09 USD
4 years ago
May 06, 2020
Bought 5 K USD
Hiden David R.
SVP, Chief Information Officer
+ 201
 24.88 USD
4 years ago
Jan 15, 2020
Sell 26.2 K USD
SPARKS RAY A
Director
- 750
 35 USD
4 years ago
Jan 14, 2020
Sell 7 K USD
SPARKS RAY A
Director
- 200
 35 USD
4 years ago
Jan 14, 2020
Sell 21.5 K USD
SPARKS RAY A
Director
- 614
 35.0033 USD
4 years ago
Jan 03, 2020
Sell 114 K USD
SPARKS RAY A
Director
- 3260
 35 USD
4 years ago
Jan 02, 2020
Sell 181 K USD
SPARKS RAY A
Director
- 5176
 35.0617 USD
4 years ago
Dec 16, 2019
Sell 1.32 M USD
SPARKS RAY A
Director
- 36549
 36.0738 USD
4 years ago
Dec 17, 2019
Sell 73 K USD
SPARKS RAY A
Director
- 2029
 36.0016 USD
4 years ago
Dec 12, 2019
Sell 353 K USD
SPARKS RAY A
Director
- 10000
 35.3291 USD
4 years ago
Dec 13, 2019
Sell 248 K USD
SPARKS RAY A
Director
- 7000
 35.3633 USD
4 years ago
Dec 12, 2019
Sell 353 K USD
SPARKS RAY A
Director
- 10000
 35.3291 USD
4 years ago
Dec 13, 2019
Sell 248 K USD
SPARKS RAY A
Director
- 7000
 35.3633 USD
5 years ago
Nov 11, 2019
Sell 1.75 K USD
Westerhold Mary
Director
- 49
 35.74 USD
5 years ago
Nov 23, 2018
Bought 100 K USD
Dean Clay M
CEO-First Mid Insurance Group
+ 2821
 35.45 USD
6 years ago
Aug 08, 2018
Sell 101 K USD
TAYLOR MICHAEL L
Chief Operating Officer
- 2500
 40.45 USD
6 years ago
Aug 01, 2018
Sell 101 K USD
ALLENBAUGH LAUREL G
Executive Vice President
- 2500
 40.36 USD
6 years ago
Jun 22, 2018
Bought 499 K USD
Westerhold Mary
Director
+ 12000
 41.56 USD
6 years ago
Jun 18, 2018
Sell 64.7 K USD
Dean Clay M
CEO-First Mid Insurance Group
- 1596
 40.51 USD
7 years ago
Nov 06, 2017
Sell 26.3 K USD
Dean Clay M
CEO-First Mid Insurance Group
- 701.292
 37.55 USD
7 years ago
Mar 21, 2017
Bought 19.7 K USD
Zimmer James Edwin
Director
+ 601
 32.77 USD
7 years ago
Mar 17, 2017
Bought 36.4 K USD
Zimmer James Edwin
Director
+ 1111
 32.77 USD
7 years ago
Mar 15, 2017
Bought 43.8 K USD
Zimmer James Edwin
Director
+ 1338
 32.77 USD
7 years ago
Sep 14, 2017
Sell 27.3 K USD
ALLENBAUGH LAUREL G
Executive Vice President
- 780
 34.99 USD
7 years ago
Aug 30, 2017
Sell 15 K USD
ALLENBAUGH LAUREL G
Executive Vice President
- 437
 34.37 USD
7 years ago
Aug 31, 2017
Sell 28.3 K USD
ALLENBAUGH LAUREL G
Executive Vice President
- 823
 34.37 USD
7 years ago
Aug 21, 2017
Bought 525 K USD
Westerhold Mary
Director
+ 15000
 35 USD
7 years ago
Aug 21, 2017
Sell 500 K USD
SPARKS RAY A
Director
- 14285
 35 USD
7 years ago
Aug 21, 2017
Sell 525 K USD
SPARKS RAY A
Director
- 15000
 35 USD
7 years ago
Aug 18, 2017
Sell 19.7 K USD
ALLENBAUGH LAUREL G
Executive Vice President
- 572
 34.46 USD
7 years ago
Aug 21, 2017
Sell 13.3 K USD
ALLENBAUGH LAUREL G
Executive Vice President
- 388
 34.2 USD
7 years ago
Aug 14, 2017
Sell 170 K USD
ROWLAND WILLIAM S
Director
- 4960
 34.24 USD
7 years ago
Aug 11, 2017
Sell 1.39 K USD
ROWLAND WILLIAM S
Director
- 40
 34.64 USD
7 years ago
Jun 20, 2017
Sell 40.7 K USD
GRISSOM STEVEN L
Director
- 1100
 37 USD
7 years ago
Jun 14, 2017
Sell 75.8 K USD
SPARKS RAY A
Director
- 2079
 36.48 USD
7 years ago
Jun 13, 2017
Sell 292 K USD
SPARKS RAY A
Director
- 7921
 36.84 USD
7 years ago
Jun 01, 2017
Bought 4.69 K USD
Dively Joseph R
CEO
+ 140
 33.489 USD
7 years ago
May 31, 2017
Bought 9.63 K USD
Dively Joseph R
CEO
+ 294
 32.74 USD
7 years ago
May 16, 2017
Sell 34.7 K USD
Slabach Christopher L
SVP, Chief Risk Officer
- 1000
 34.703 USD
7 years ago
May 11, 2017
Sell 136 K USD
ROWLAND WILLIAM S
Director
- 4000
 34.07 USD
7 years ago
May 02, 2017
Bought 2.18 K USD
Dively Joseph R
CEO
+ 66
 33.06 USD
7 years ago
May 01, 2017
Sell 665 USD
TAYLOR MICHAEL L
Chief Financial Officer
- 20
 33.23 USD
7 years ago
May 01, 2017
Sell 26.1 K USD
TAYLOR MICHAEL L
Chief Financial Officer
- 786
 33.24 USD
7 years ago
May 02, 2017
Sell 72.3 K USD
TAYLOR MICHAEL L
Chief Financial Officer
- 2177
 33.23 USD
7 years ago
Mar 21, 2017
Sell 565 USD
TAYLOR MICHAEL L
Chief Financial Officer
- 17
 33.24 USD
7 years ago
Mar 15, 2017
Sell 49.5 K USD
Slabach Christopher L
SVP, Chief Risk Officer
- 1500
 32.991 USD
7 years ago
Feb 15, 2017
Sell 39.7 K USD
McRae Eric S
Executive Vice President
- 1200
 33.1 USD
7. News
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 - 2 weeks 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 - 1 month ago
New Strong Buy Stocks for September 19th CRNC, UI, BPOP, LYTS and FMBH have been added to the Zacks Rank #1 (Strong Buy) List on September 19, 2024. zacks.com - 1 month ago
First Mid Bancshares, Inc. (FMBH) Hits Fresh High: Is There Still Room to Run? First Mid Bancshares (FMBH) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues. zacks.com - 1 month ago
New Strong Buy Stocks for September 13th ARCT, MHO, FMBH, PAM and ANGO have been added to the Zacks Rank #1 (Strong Buy) List on September 13, 2024. zacks.com - 2 months ago
All You Need to Know About First Mid Bancshares (FMBH) Rating Upgrade to Strong Buy First Mid Bancshares (FMBH) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 2 months ago
New Strong Buy Stocks for August 21st NFG, CLNE, FLIC, FMBH and ULS have been added to the Zacks Rank #1 (Strong Buy) List on August 21, 2024. zacks.com - 2 months ago
Best Value Stocks to Buy for August 21st NFG, FMBH, and BKNIY made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 21, 2024. zacks.com - 2 months ago
Earnings Estimates Rising for First Mid Bancshares (FMBH): Will It Gain? First Mid Bancshares (FMBH) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 3 months ago
First Mid Bancshares (FMBH) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for First Mid Bancshares (FMBH) give a sense of how its business performed in the quarter ended June 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 3 months ago
First Mid Bancshares (FMBH) Q2 Earnings and Revenues Surpass Estimates First Mid Bancshares (FMBH) came out with quarterly earnings of $0.84 per share, beating the Zacks Consensus Estimate of $0.79 per share. This compares to earnings of $0.83 per share a year ago. zacks.com - 3 months ago
First Mid Bancshares (FMBH) Q1 Earnings Surpass Estimates First Mid Bancshares (FMBH) came out with quarterly earnings of $0.93 per share, beating the Zacks Consensus Estimate of $0.86 per share. This compares to earnings of $0.96 per share a year ago. zacks.com - 6 months ago
8. Profile Summary

First Mid Bancshares, Inc. FMBH

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1 B
Dividend Yield 0.61%
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 1207
Officers Mr. Bradley L. Beesley Executive Vice President Mr. Eric S. McRae Executive Vice President Mr. Jason M. Crowder SVice President & General Counsel Mr. Matthew K. Smith CPA Executive Vice President & Chief Financial Officer Ms. Rhonda R. Gatons Executive Vice President & Director of Human Resources Mr. Jordan D. Read Senior Vice President & Chief Risk Officer Mr. Joseph R. Dively Chairman, President & Chief Executive Officer Mr. Michael L. Taylor Senior EVice President & Chief Operating Officer Mr. Jeremy R. Frieburg Senior Vice President & Chief Information Officer Ms. Amanda D. Lewis Executive Vice President