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CRF vs FMBH

CRF
Cornerstone Total Return Fund, Inc.
NEUTRAL
Price
$7.15
Market Cap
$1.16B
Sector
Financial Services
AI Confidence
80%
FMBH
First Mid Bancshares, Inc.
BULLISH
Price
$43.93
Market Cap
$1.17B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CRF
7.01
FMBH
11.29
Forward P/E
CRF
--
FMBH
9.12
P/B Ratio
CRF
1.1
FMBH
1.1
P/S Ratio
CRF
85.05
FMBH
3.45
EV/EBITDA
CRF
--
FMBH
--

Profitability

Gross Margin
CRF
100.0%
FMBH
0.0%
Operating Margin
CRF
9.3%
FMBH
39.58%
Profit Margin
CRF
1191.01%
FMBH
27.04%
ROE
CRF
17.77%
FMBH
10.17%
ROA
CRF
0.23%
FMBH
1.19%

Growth

Revenue Growth
CRF
1228.2%
FMBH
5.1%
Earnings Growth
CRF
26.8%
FMBH
23.8%

Financial Health

Debt/Equity
CRF
--
FMBH
--
Current Ratio
CRF
0.58
FMBH
--
Quick Ratio
CRF
0.56
FMBH
--

Dividends

Dividend Yield
CRF
19.67%
FMBH
2.27%
Payout Ratio
CRF
136.79%
FMBH
25.59%

AI Verdict

CRF NEUTRAL

CRF presents a complex profile with a stable Piotroski F-Score of 4/9 and a significant valuation gap, trading well below its Graham Number ($12.23) and Intrinsic Value ($30.09). While the fund shows strong historical price performance and a very low P/E of 7.01, the technical trend is currently 0/100 (Bearish). The most critical concern is the unsustainable dividend payout ratio of 136.79%, suggesting the 19.67% yield is likely supported by return of capital rather than organic earnings.

Strengths
Significant undervaluation relative to Graham Number ($12.23)
Very low P/E ratio (7.01) compared to sector average (38.87)
Strong long-term price appreciation (5Y Change: +53.8%)
Risks
Unsustainable dividend payout ratio (136.79%)
Bearish technical trend (0/100)
Low liquidity/current ratio (0.58)
FMBH BULLISH

FMBH presents a strong value opportunity, trading significantly below its Graham Number ($59.15) and Intrinsic Value ($114.76). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company demonstrates robust earnings growth of 23.8% YoY and a consistent track record of beating estimates over 25 quarters. Despite bearish insider sentiment and a poor technical trend score, the fundamental valuation and profitability metrics suggest significant upside potential.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong earnings growth (23.8% YoY) and consistent quarterly beats
Low P/E ratio (11.29) compared to the financial services sector average (26.81)
Risks
Bearish insider activity with recent officer sales
Technical trend score (10/100) suggests potential short-term momentum weakness
Piotroski F-Score of 4/9 indicates only 'stable' health rather than 'strong'

Compare Another Pair

CRF vs FMBH: Head-to-Head Comparison

This page compares Cornerstone Total Return Fund, Inc. (CRF) and First Mid Bancshares, Inc. (FMBH) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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