FMBH

First Mid Bancshares, Inc.

$35.39

0.1

(0.28%)

Exchange:	NASDAQ
Market Cap:	848.971M
Shares Outstanding:	3.228M

Overview

Earnings

Financials

Valuation

Chart

About The Company

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

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	76,296	98,116	123,409	147,152	181,691	186,932	237,518	254,659	274,927	318,630
? Cost Of Revenue	0	0	0	2,971	0	0	0	0	782	0
? Gross Profit	76,296	98,116	123,409	144,181	181,691	186,932	237,518	254,659	274,145	318,630
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	26,337	32,354	40,661	47,862	62,797	67,761	91,264	100,399	108,301	127,597
? Selling And Marketing Expenses	1,092	1,845	1,356	1,794	2,031	1,616	3,603	2,999	3,005	3,418
? Operating Expenses	-43,516	-54,017	-69,220	-82,849	-118,425	-127,190	-170,730	-122,983	274,927	318,630
? Net Interest Income	0	0	0	0	0	0	0	0	0	228,728
? Interest Income	59,251	75,496	99,555	124,565	149,721	144,141	183,013	215,891	300,166	357,379
? Interest Expense	3,499	4,292	6,482	12,827	24,047	16,729	15,262	31,614	106,703	128,651
? Depreciation And Amortization	891	4,404	4,808	6,226	9,448	8,862	9,791	11,190	14,904	20,778
? EBITDA	34,616	41,716	49,860	56,386	74,108	68,604	81,237	106,352	0	0
? EBIT										-20,778
? Operating Income	32,780	44,099	54,189	61,332	63,266	59,742	66,788	131,676	88,405	104,396
? Income Before Tax	25,730	33,780	41,726	48,505	63,266	59,742	66,788	91,292	88,405	104,396
? Income Tax Expense	9,218	11,940	15,042	11,905	15,323	14,472	15,298	18,340	19,470	25,498
? Net Income From Continuing Operations										78,898
? Net Income	16,512	21,840	26,684	36,600	47,943	45,270	51,490	72,952	68,935	78,898
? EPS (Earnings Per Share)	1.840	2.070	2.130	2.530	2.880	2.710	2.880	3.620	3.170	3.300
? EPS Diluted	1.810	2.050	2.130	2.520	2.870	2.700	2.870	3.600	3.150	3.290
? Weighted Average Shares Outstanding	8,973.913	10,550.725	12,531.659	14,487.126	16,675.269	16,716.880	17,886.998	20,169.077	21,780.217	23,800.523
? Weighted Average Shares Outstanding Diluted	9,122.652	10,653.659	12,536.534	14,500.585	16,709.475	16,762.856	17,939.007	20,243.635	21,868.788	23,895.681
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	115,784	175,902	88,879	141,400	85,080	417,281	168,602	152,433	135,552	124,641
? Short Term Investments	518,848	619,848	578,579	732,269	750,559	879,240	1,421,422	1,218,985	7,512	-25,709
? Cash And Short Term Investments	659,140	771,493	668,652	880,573	835,639	1,296,521	1,590,024	1,365,261	143,064	98,932
? Net Receivables	8,085	10,553	10,832	16,881	0	0	0	0	0	0
? Accounts Receivables										38,639
? Inventory	0	0	0	0	-108,926	-441,752	-195,904	-186,521	0	0
? Total Current Assets	1,429,099	2,079,541	2,084,533	2,879,810	851,216	1,315,808	1,609,892	1,393,618	143,064	165,534
? Property Plant Equipment Net	31,340	40,292	38,266	59,117	59,491	58,206	81,484	90,473	115,702	101,529
? Goodwill	41,007	57,791	60,150	105,277	104,992	104,992	111,853	140,412	196,461	203,391
? Intangible Assets	8,997	12,832	10,679	33,820	28,265	23,128	29,523	29,485	67,770	58,515
? Long Term Investments	629,056	708,722	649,596	769,279	760,215	887,169	1,431,299	1,223,720	20,827	0
? Total Non Current Assets	685,400	804,994	757,006	959,924	952,963	1,073,495	1,654,159	1,498,394	7,443,730	101,529
? Total Assets	2,114,499	2,884,535	2,841,539	3,839,734	3,839,426	4,726,348	5,986,582	6,744,215	7,586,794	7,540,256
? Account Payables	356	535	602	1,758	2,261	2,345	1,346	3,346	5,437	5,280
? Short Term Debt	0	0	0	0	0	0	0	0	0	0
? Deferred Revenue	0	-194,228	-179,786	-246,572	-247,310	-226,218	-172,485	-396,103	-5,437	0
? Total Current Liabilities	356	535	602	1,758	2,261	2,345	1,346	3,346	0	5,280
? Long Term Debt	40,620	82,074	94,351	156,469	137,753	188,249	200,041	578,988	349,215	354,272
? Deferred Revenue Non Current	0	-12,745	-14,915	-40,248	117,843	183,494	187,518	-13,189	0	0
? Deferred Tax Liabilities Non Current	0	6,607	5,718	13,863	19,910	23,755	12,523	13,189	0	0
? Total Non Current Liabilities	40,620	82,074	94,351	156,469	137,753	207,249	200,041	3,346	6,793,590	368,462
? Total Liabilities	1,909,490	2,603,862	2,533,575	3,363,870	3,312,817	4,158,120	5,352,688	6,111,060	6,793,590	6,673,343
? Treasury Stock										0
? Preferred Stock	27,400	0	0	0	0	0	0	0	0	0
? Common Stock	38,015	54,083	54,925	70,876	71,152	71,449	76,835	86,366	99,919	100,258
? Retained Earnings	71,712	86,216	104,683	131,392	166,667	197,726	234,162	289,284	338,662	0
? Additional Paid In Capital										512,809.999
? Total Stockholders Equity	205,009	280,673	307,964	475,864	526,609	568,228	633,894	633,155	793,204	846,391
? Total Equity	205,009	280,673	307,964	475,864	526,609	568,228	633,894	633,155	793,204	846,391
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	2,114,499	2,884,535	2,841,539	3,839,734	3,839,426	4,726,348	5,986,582	6,744,215	7,586,794	7,519,734
? Total Investments	1,122,904	1,313,927	1,226,490	1,493,979	1,510,774	1,766,409	2,852,721	2,441,235	20,827	2,133,302
? Total Debt	40,620	82,074	94,351	156,469	137,753	207,249	200,041	578,988	409,215	368,462
? Net Debt	-75,164	-93,828	5,472	15,069	52,673	-210,032	31,439	426,555	273,663	243,821
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	16,512	21,840	26,684	36,600	47,943	45,270	51,490	72,952	68,935	78,898
? Depreciation And Amortization	4,442	7,936	8,134	7,881	10,842	11,721	14,449	15,060	14,127	0
? Deferred Income Tax	20	-2,388	2,498	4,283	1,885	-4,963	-3,355	-2,232	16,739	0
? Stock Based Compensation	378	384	954	294	453	774	1,304	1,802	1,656	0
? Change In Working Capital	-1,410	-2,457	23	-14,328	-1,028	-1,445	-10,723	-24,957	-23,887	0
? Accounts Receivables	-763	-629	-279	-1,708	1,304	-3,710	2,384	-6,717	0	0
? Inventory	-1,429,692	-1,073	1,334	-12,112	-1,398	3,668	-8,256	0	0	0
? Accounts Payables	-54	-84	94	829	821	327	-1,812	1,538	0	0
? Net Cash Provided By Operating Activities	21,998	27,422	46,154	42,175	62,828	63,541	69,596	65,824	72,417	124,425
? Investments In Property Plant And Equipment	-1,762	-709	-1,274	-3,112	-4,103	-2,463	-3,702	-5,020	-3,639	0
? Acquisitions Net	276,661	36,774	-110,973	56,389	-56,853	-443,764	27,061	67,323	44,621	0
? Purchases Of Investments	-303,693	-266,503	-183,319	-38,852	-188,608	-506,458	-692,234	-12,754	0	-22,437
? Sales Maturities Of Investments	132,861	270,760	232,973	68,187	215,067	388,209	238,660	185,991	450,242	0
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	-7,509
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	-40,626
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-40,626
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	395
? Net Dividends Paid	-5,489	-6,563	-7,228	-8,792	-11,863	-12,814	-14,721	-17,830	-19,557	-22,371
? Common Dividends Paid										-22,371
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	31,687	110,755	-77,215	21,307	-87,076	831,082	164,224	96,695	-556,166	-138,764
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	64,054	60,118	-87,023	52,521	-56,320	332,201	-248,679	-16,169	-9,369	-21,848
? Cash At End Of Period	115,784	175,902	88,879	141,400	85,080	417,281	168,602	152,433	143,064	121,216
? Cash At Beginning Of Period	51,730	115,784	175,902	88,879	141,400	85,080	417,281	168,602	152,433	143,064
? Operating Cash Flow	21,998	27,422	46,154	42,175	62,828	63,541	69,596	65,824	72,417	124,425
? Capital Expenditure	-1,762	-709	-1,274	-3,112	-4,103	-2,463	-3,702	-5,020	-3,639	0
? Free Cash Flow	20,236	26,713	44,880	39,063	58,725	61,078	65,894	60,804	68,778	119,480
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	125,681.972	145,501.432	178,500.574	184,566.666	238,111.233	263,699.720	277,764.918	324,458.222	339,957.134	354,698.009
Estimated Revenue (High)	128,987.264	149,327.953	183,194.934	189,420.557	244,373.285	269,006.466	280,795.081	324,559.143	345,109.531	363,188.522
Estimated Revenue (Avg)	127,350	147,432.500	180,869.600	187,016.200	241,271.400	266,659	279,280	324,508.683	342,533.333	358,783.333
Estimated Ebitda (Low)	44,938.405	58,473.331	77,511.031	61,452.385	75,412.236	122,218.153	134,439.966	99,578.098	104,334.803	108,858.863
Estimated Ebitda (High)	67,407.608	87,709.996	116,266.547	92,178.579	113,118.353	183,327.230	201,659.951	99,609.071	105,916.104	111,464.650
Estimated Ebitda (Avg)	56,173.007	73,091.664	96,888.789	76,815.482	94,265.295	152,772.692	168,049.959	99,593.585	105,125.454	110,112.672
Estimated Net Income (Low)	20,957.072	30,681.761	37,728.068	31,492.231	39,594.549	80,242.134	55,147.999	72,071.874	75,688.097	79,532.849
Estimated Net Income (High)	31,435.608	46,022.644	56,592.104	47,238.348	59,391.825	120,363.203	82,722	72,707.818	81,611.696	85,213.704
Estimated Net Income (Avg)	26,196.340	38,352.203	47,160.086	39,365.291	49,493.187	100,302.669	68,935	72,389.846	78,649.897	82,373.277
Estimated SGA Expense (Low)	34,459.924	42,954.296	52,041.557	49,151.908	79,431.604	57,138.121	62,851.932	125,774.941	131,783.033	137,497.274
Estimated SGA Expense (High)	51,689.886	64,431.444	78,062.338	73,727.863	119,147.406	85,707.182	94,277.899	125,814.062	133,780.339	140,788.588
Estimated SGA Expense (Avg)	43,074.905	53,692.870	65,051.948	61,439.886	99,289.506	71,422.652	78,564.916	125,794.502	132,781.686	139,080.934
Estimated EPS (Avg)	2.340	2.580	2.850	2.610	2.850	3.540	3.190	3.320	3.590	3.810
Estimated EPS (High)	2.380	2.620	2.890	2.660	2.900	3.580	3.250	3.320	3.730	3.900
Estimated EPS (Low)	2.300	2.530	2.800	2.570	2.800	3.490	3.160	3.300	3.460	3.640
Number of Analysts (Estimated Revenue)	2	2	1	2	2	1	5	4	5	4
Number of Analysts (Estimated EPS)	1	1	2	1	1	2	4	5	6	5

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Current Key Metrics

?	Revenue (TTM) :	453.254M	?	P/S (TTM) :	1.9
?	Net Income (TTM) :	78.898M	?	P/E (TTM) :	10.48
?	Enterprise Value (TTM) :	1.178B	?	EV/FCF (TTM) :	8.54
?	Dividend Yield (TTM) :	0.03	?	Payout Ratio (TTM) :	0.28
?	ROE (TTM) :	0.1	?	ROIC (TTM) :	0.06
?	Net Debt (TTM) :	480.472M	?	Debt/Equity (TTM) :	0.61
?	P/B (TTM) :	0.97	?	Current Ratio (TTM) :	0.09

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
15.12	13.72	12.42	13.56	12.42

SWOT Analysis

No SWOT analysis available for this stock.

FMBH

0.28

4.68

4.2

4.05

-2.83

18.39

42.29

Trading Metrics:

Open:	35.52	Previous Close:	35.29
Day Low:	35.13	Day High:	35.57
Year Low:	27.58	Year High:	43.86
Price Avg 50:	35.02	Price Avg 200:	37.43
Volume:	118274	Average Volume:	64759

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13-02-2025 12:46

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FMBH

First Mid Bancshares, Inc.

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

Relevant news

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