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FINV vs FMBH

FINV
FinVolution Group
BULLISH
Price
$4.81
Market Cap
$1.19B
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
FINV
3.41
FMBH
11.29
Forward P/E
FINV
3.29
FMBH
9.12
P/B Ratio
FINV
0.49
FMBH
1.1
P/S Ratio
FINV
0.09
FMBH
3.45
EV/EBITDA
FINV
0.04
FMBH
--

Profitability

Gross Margin
FINV
73.93%
FMBH
0.0%
Operating Margin
FINV
34.03%
FMBH
39.58%
Profit Margin
FINV
18.74%
FMBH
27.04%
ROE
FINV
15.71%
FMBH
10.17%
ROA
FINV
16.39%
FMBH
1.19%

Growth

Revenue Growth
FINV
-13.0%
FMBH
5.1%
Earnings Growth
FINV
-37.9%
FMBH
23.8%

Financial Health

Debt/Equity
FINV
0.08
FMBH
--
Current Ratio
FINV
9.38
FMBH
--
Quick Ratio
FINV
4.33
FMBH
--

Dividends

Dividend Yield
FINV
6.36%
FMBH
2.27%
Payout Ratio
FINV
20.98%
FMBH
25.59%

AI Verdict

FINV BULLISH

FINV presents a classic deep-value opportunity, characterized by a stable Piotroski F-Score of 6/9 and an extreme valuation discount. The stock trades significantly below its Graham Number ($17.59) and Intrinsic Value ($9.87), with a P/B of 0.49 and a P/E of 3.41. While YoY revenue and earnings growth are sharply negative, the company maintains an exceptionally strong balance sheet with negligible debt (D/E 0.08) and high liquidity (Current Ratio 9.38). The bullish outlook is driven by the massive margin of safety and a sustainable 6.36% dividend yield.

Strengths
Extreme valuation discount (P/E 3.41, P/B 0.49)
Exceptional liquidity with a Current Ratio of 9.38
Very low leverage (Debt/Equity 0.08)
Risks
Significant YoY earnings contraction (-37.90%)
Negative revenue growth (-13.00%)
Strongly bearish technical trend (0/100)
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

FINV vs FMBH: Head-to-Head Comparison

This page compares FinVolution Group (FINV) 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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