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FMBH stock logo

FMBH

First Mid Bancshares, Inc.

$41.65
0.16
 (0.39%)
Exchange:  NASDAQ
Market Cap:  1.003B
Shares Outstanding:  3.228M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Joseph R. Dively
Full Time Employees:  1194
Address: 
1421 Charleston Avenue
Mattoon
IL
61938
US
Website:  https://www.firstmid.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue381,630447,281466,041
Gross Profit268,823312,995339,295
EBITDA103,309125,174117,048
Operating Income88,405104,396117,048
Net Income68,93578,89891,749

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets7,586,7947,540,2567,966,658
Total Liabilities6,793,5906,673,3437,007,966
Total Stockholders Equity793,204846,391958,692
Total Debt622,936572,584551,178
Cash and Cash Equivalents135,552124,641254,920

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Cash Flow Statement

Year202320242025
Operating Cash Flow72,417124,42563,310
Capital Expenditure-3,639-4,9450
Free Cash Flow68,778119,48063,310
Net Income68,93578,89891,749
Net Change in Cash-9,369-21,84814,083

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)444,468.258Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)449,319.207Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)446,893.733Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)133,216.444Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)134,670.375Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)133,943.410Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)112,402.939Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)117,186.089Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)114,794.514Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)150,503.701Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)152,146.306Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)151,325.004Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.820Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.890Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.690Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)5Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)6Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
453.254M  ?P/S
 (TTM)
: 
2.26
?Net Income
 (TTM)
: 
78.898M  ?P/E
 (TTM)
: 
11.37
?Enterprise Value
 (TTM)
: 
1.559B  ?EV/FCF
 (TTM)
: 
12.57
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.25
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
-0.03
?Net Debt
 (TTM)
: 
480.472M  ?Debt/Equity
 (TTM)
: 
0.59
?P/B
 (TTM)
: 
1.09  ?Current Ratio
 (TTM)
: 
0.28

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Forward P/E Ratios

?

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Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.94Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates FMBH intrinsic value between $52.01 – $73.57 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate FMBH Intrinsic Value

Common questions about FMBH valuation

Is First Mid Bancshares, Inc. (FMBH) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for First Mid Bancshares, Inc. (FMBH) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FMBH a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FMBH trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FMBH’s P/E ratio?

You can see FMBH’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FMBH?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FMBH a good long-term investment?

Whether FMBH fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FMBH

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.39
Chart data temporarily unavailable.
Daily snapshot

Trading Metrics:

Open: 40.98   Previous Close: 41.49
Day Low: 40.8   Day High: 41.78
Year Low: 27.58   Year High: 44.85
Price Avg 50: 41.74   Price Avg 200: 39.36
Volume: 117966   Average Volume: 121948

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See in Nexus

Relevant news

First Mid Bancshares (FMBH) Could Be a Great Choice
02-02-2026 12:46
First Mid Bancshares (FMBH) Could Be a Great Choice
Are You Looking for a High-Growth Dividend Stock?
23-03-2026 12:46
Are You Looking for a High-Growth Dividend Stock?
Why First Mid Bancshares (FMBH) is a Great Dividend Stock Right Now
06-03-2026 12:45
Why First Mid Bancshares (FMBH) is a Great Dividend Stock Right Now
Why First Mid Bancshares (FMBH) is a Top Dividend Stock for Your Portfolio
First Mid Bancshares (FMBH) to Release Earnings on Thursday

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