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FMBH vs PFBC

FMBH
First Mid Bancshares, Inc.
BULLISH
Price
$43.93
Market Cap
$1.17B
Sector
Financial Services
AI Confidence
80%
PFBC
Preferred Bank
BULLISH
Price
$94.41
Market Cap
$1.15B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FMBH
11.29
PFBC
9.07
Forward P/E
FMBH
9.12
PFBC
8.53
P/B Ratio
FMBH
1.1
PFBC
1.46
P/S Ratio
FMBH
3.45
PFBC
4.09
EV/EBITDA
FMBH
--
PFBC
--

Profitability

Gross Margin
FMBH
0.0%
PFBC
0.0%
Operating Margin
FMBH
39.58%
PFBC
71.65%
Profit Margin
FMBH
27.04%
PFBC
47.52%
ROE
FMBH
10.17%
PFBC
17.21%
ROA
FMBH
1.19%
PFBC
1.84%

Growth

Revenue Growth
FMBH
5.1%
PFBC
4.2%
Earnings Growth
FMBH
23.8%
PFBC
24.0%

Financial Health

Debt/Equity
FMBH
--
PFBC
--
Current Ratio
FMBH
--
PFBC
--
Quick Ratio
FMBH
--
PFBC
--

Dividends

Dividend Yield
FMBH
2.27%
PFBC
3.39%
Payout Ratio
FMBH
25.59%
PFBC
36.5%

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'
PFBC BULLISH

PFBC exhibits strong fundamental value, trading significantly below its Graham Number ($123.23) and Intrinsic Value ($307.1). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company boasts a high ROE of 17.21% and a consistent 25-quarter track record of earnings beats. Despite bearish insider sentiment and technical trends, the low P/E ratio of 9.07 and sustainable dividend payout make it an attractive value play.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong profitability with 17.21% ROE and 1.84% ROA
Exceptional earnings track record with consistent beats over 25 quarters
Risks
Bearish insider activity with 8 sell transactions and 0 buys
Weak technical trend (0/100) suggesting short-term price pressure
Sluggish year-over-year revenue growth of 4.20%

Compare Another Pair

FMBH vs PFBC: Head-to-Head Comparison

This page compares First Mid Bancshares, Inc. (FMBH) and Preferred Bank (PFBC) 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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