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First Mid Bancshares, Inc. (FMBH) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

First Mid Bancshares, Inc.

FMBHMarket cap $1.30BPrice $48.9

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community banks across Illinois, Missouri, and Texas, offering commercial lending, wealth management, and insurance services. It's grown through dozens of acquisitions, turning small-town banking into a multi-state financial network worth billions in assets.

In Bastion Portfolios?

52W Return+40%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+10%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+1%–

Rev CAGR (5y)+1%2

Earnings Forecast

EPS Growth Y+1+22%8

EPS Growth Y+2+8%6

EPS Growth Y+3+6%6

Quality

Margins

EBIT Margin0%5

Net Income Margin27%9

Free Cash Flow Margin32%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE10%5

ROA1%3

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)108

P/E Ratio (Forward 3y)98

P/BV1.29

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%8

Dividend Yield2.1%5

Momentum

Short term

1 month return-4%6

3 month return+4%7

YTD return+27%8

Mid term

Price vs 52wHigh92%9

1 year return+36%8

Long term

3 year return+96%7

5 year return+33%5

Risk Shield

Price Risk

Beta0.86

Volatility23%9

Free Cash Flow

Free Cash Flow Margin32%9

Free Cash Flow Yield0.0%8

Quality

ROCE11%3

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

FMBHFirst Mid Bancshares

Revenue FY25$339M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+1%–

Revenue, next 5Y, CAGR+1%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+22%8

EPS growth, FY27E+8%6

EPS growth, FY28E+6%6

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 8%/yr vs revenue 1%/yr), so margins should widen.

WATCH

Revenue grew 10%/yr over the last 3 years; forecasts see it cooling to 1%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 1%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 1%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG75 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%6

3-month return+4%7

YTD return+27%8

MID & LONG-TERM▾SCORE

% of 52-week high92%9

1-year return+36%8

3-year return+96%7

5-year return+33%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 36% over the past year, now 8% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+4%) and so far this year (+27%).

WATCH

Average long-term results. Multi-year returns are middling (+96% over three years and +33% over five), roughly average for the market.

Returns sit at the market level over the past month (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on First Mid Bancshares, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

FMBHFirst Mid Bancshares

Revenue FY25$339M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+1%–

Revenue, next 5Y, CAGR+1%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+22%8

EPS growth, FY27E+8%6

EPS growth, FY28E+6%6

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 8%/yr vs revenue 1%/yr), so margins should widen.

WATCH

Revenue grew 10%/yr over the last 3 years; forecasts see it cooling to 1%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 1%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 1%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG75 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%6

3-month return+4%7

YTD return+27%8

MID & LONG-TERM▾SCORE

% of 52-week high92%9

1-year return+36%8

3-year return+96%7

5-year return+33%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 36% over the past year, now 8% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+4%) and so far this year (+27%).

WATCH

Average long-term results. Multi-year returns are middling (+96% over three years and +33% over five), roughly average for the market.

Returns sit at the market level over the past month (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on First Mid Bancshares, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community