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FMBH vs JFR

FMBH
First Mid Bancshares, Inc.
BULLISH
Price
$43.93
Market Cap
$1.17B
Sector
Financial Services
AI Confidence
80%
JFR
Nuveen Floating Rate Income Fund
BEARISH
Price
$7.45
Market Cap
$1.2B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FMBH
11.29
JFR
21.91
Forward P/E
FMBH
9.12
JFR
--
P/B Ratio
FMBH
1.1
JFR
0.87
P/S Ratio
FMBH
3.45
JFR
6.75
EV/EBITDA
FMBH
--
JFR
--

Profitability

Gross Margin
FMBH
0.0%
JFR
100.0%
Operating Margin
FMBH
39.58%
JFR
88.9%
Profit Margin
FMBH
27.04%
JFR
44.51%
ROE
FMBH
10.17%
JFR
6.07%
ROA
FMBH
1.19%
JFR
4.39%

Growth

Revenue Growth
FMBH
5.1%
JFR
4.3%
Earnings Growth
FMBH
23.8%
JFR
-52.8%

Financial Health

Debt/Equity
FMBH
--
JFR
0.38
Current Ratio
FMBH
--
JFR
0.41
Quick Ratio
FMBH
--
JFR
0.41

Dividends

Dividend Yield
FMBH
2.27%
JFR
12.56%
Payout Ratio
FMBH
25.59%
JFR
300.0%

AI Verdict

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'
JFR BEARISH

JFR exhibits a stable but fragile financial health profile with a Piotroski F-Score of 4/9 and no Altman Z-Score available. While the fund trades at a discount to book value (P/B 0.87) and below its Graham Number ($8.07), these value metrics are overshadowed by a catastrophic collapse in earnings growth (-52.80% YoY). Most critically, the dividend payout ratio of 300% indicates that the 12.56% yield is unsustainable and likely being funded by return of capital rather than earnings. Combined with a 0/100 technical trend and bearish insider activity, the outlook is negative.

Strengths
Trading at a discount to book value (P/B 0.87)
Strong operating margins (88.90%)
Low Debt/Equity ratio (0.38) compared to sector average
Risks
Unsustainable payout ratio (300%) suggesting dividend instability
Severe earnings contraction (-52.80% YoY)
Bearish technical trend (0/100 score)

Compare Another Pair

FMBH vs JFR: Head-to-Head Comparison

This page compares First Mid Bancshares, Inc. (FMBH) and Nuveen Floating Rate Income Fund (JFR) 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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