📊 FMBH Key Takeaways
Is First Mid Bancshares, Inc.. (FMBH) a Good Investment?
First Mid Bancshares demonstrates solid fundamental strength with robust revenue growth of 45.6% YoY and excellent free cash flow generation (33.3% FCF margin). The company maintains a healthy balance sheet with conservative leverage (0.37x debt/equity) and strong operational efficiency with 31.4% operating margins, though modest ROE of 9.6% and tight interest coverage of 1.8x warrant attention.
FIRST MID BANCSHARES shows solid core profitability, with a 31.4% operating margin, 24.6% net margin, and a healthy 1.2% ROA for a bank. Revenue growth was strong at 45.6% year over year, but flat net income suggests that growth is not fully translating into bottom-line expansion, which tempers the overall fundamental outlook. The balance sheet appears reasonably capitalized, but weak interest coverage and only moderate ROE keep the profile in balanced rather than clearly compelling territory.
Why Buy First Mid Bancshares, Inc.. Stock? FMBH Key Strengths
- Exceptional revenue growth of 45.6% YoY indicating strong business momentum
- High-quality earnings with 33.3% free cash flow margin and $124M FCF generation
- Conservative capital structure with 0.37x debt/equity ratio providing financial flexibility
- Strong operating margins at 31.4% demonstrating operational efficiency
- Solid net margin of 24.6% and positive operating cash flow of $130.9M
- Strong revenue growth of 45.6% year over year
- Healthy profitability with 31.4% operating margin and 24.6% net margin
- Solid financial position with 9.6% ROE, 1.2% ROA, and manageable debt-to-equity of 0.37x
FMBH Stock Risks: First Mid Bancshares, Inc.. Investment Risks
- Interest coverage ratio of 1.8x is relatively tight, limiting debt service capacity
- Return on equity of 9.6% is modest and below typical expectations for financial institutions
- Return on assets of 1.2% suggests moderate efficiency in converting assets to profits
- High insider trading activity (31 Form 4 filings) may indicate executive uncertainty
- Diluted EPS growth of 16.1% lags revenue growth of 45.6%, suggesting margin compression or dilution
- Net income was flat despite strong revenue growth, indicating possible margin pressure or higher credit/funding costs
- Interest coverage of 1.8x is weak and leaves less room if funding costs stay elevated
- ROE is acceptable but not strong enough to clearly stand out among profitable regional banks
Key Metrics to Watch
- Interest coverage ratio trend - critical for debt service sustainability
- Return on equity trajectory - needs improvement toward 12%+ for banking peers
- Net interest margin sustainability amid revenue growth
- Loan portfolio quality and non-performing asset ratios
- Capital adequacy ratios and regulatory compliance metrics
- Net interest margin and provision expense trends
- ROE and interest coverage improvement
First Mid Bancshares, Inc.. (FMBH) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 33.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
FMBH Profit Margin, ROE & Profitability Analysis
FMBH vs Finance Sector: How First Mid Bancshares, Inc.. Compares
How First Mid Bancshares, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is First Mid Bancshares, Inc.. Stock Overvalued? FMBH Valuation Analysis 2026
Based on fundamental analysis, First Mid Bancshares, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
First Mid Bancshares, Inc.. Balance Sheet: FMBH Debt, Cash & Liquidity
FMBH Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: First Mid Bancshares, Inc..'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $3.15 reflects profitable operations.
FMBH Revenue Growth, EPS Growth & YoY Performance
First Mid Bancshares, Inc.. Dividends, Buybacks & Capital Allocation
FMBH SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for First Mid Bancshares, Inc.. (CIK: 0000700565)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FMBH
What is the AI rating for FMBH?
First Mid Bancshares, Inc.. (FMBH) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (HOLD) with 74% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FMBH's key strengths?
Claude: Exceptional revenue growth of 45.6% YoY indicating strong business momentum. High-quality earnings with 33.3% free cash flow margin and $124M FCF generation. ChatGPT: Strong revenue growth of 45.6% year over year. Healthy profitability with 31.4% operating margin and 24.6% net margin.
What are the risks of investing in FMBH?
Claude: Interest coverage ratio of 1.8x is relatively tight, limiting debt service capacity. Return on equity of 9.6% is modest and below typical expectations for financial institutions. ChatGPT: Net income was flat despite strong revenue growth, indicating possible margin pressure or higher credit/funding costs. Interest coverage of 1.8x is weak and leaves less room if funding costs stay elevated.
What is FMBH's revenue and growth?
First Mid Bancshares, Inc.. reported revenue of $373.0M.
Does FMBH pay dividends?
First Mid Bancshares, Inc.. pays dividends, with $23.4M distributed to shareholders in the trailing twelve months.
Where can I find FMBH SEC filings?
Official SEC filings for First Mid Bancshares, Inc.. (CIK: 0000700565) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FMBH's EPS?
First Mid Bancshares, Inc.. has a diluted EPS of $3.83.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FMBH a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, First Mid Bancshares, Inc.. has a BUY rating with 74% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FMBH stock overvalued or undervalued?
Valuation metrics for FMBH: ROE of 9.6% (sector avg: 12%), net margin of 24.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FMBH stock in 2026?
Our dual AI analysis gives First Mid Bancshares, Inc.. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FMBH's free cash flow?
First Mid Bancshares, Inc..'s operating cash flow is $130.9M, with capital expenditures of $6.8M. FCF margin is 33.3%.
How does FMBH compare to other Finance stocks?
Vs Finance sector averages: Net margin 24.6% (avg: 25%), ROE 9.6% (avg: 12%), current ratio N/A (avg: 1.2).