FMBH
BULLISH
$43.93
Live
First Mid Bancshares, Inc. · NASDAQ
Target $47.57
(+8.3%)
$30.49
52W Range
$44.85
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 10, 2026
Market cap
$1.17B
P/E
11.29
ROE
10.2%
Profit margin
27.0%
Debt/Equity
N/A
Dividend yield
2.27%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
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.
Key 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)
Highly sustainable dividend payout ratio of 25.59%
Healthy ROA of 1.18%, typical for a well-managed regional bank
Key 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'
Exposure to regional banking sector volatility and interest rate risks
Low dividend yield (2.27%) compared to some high-yield banking peers
AI Fair Value Estimate
Based on comprehensive analysis
$68.5
+55.9% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
76
Strong
90
85
95
50
60
AI Verdict
Strong Value Play
Key drivers: Deep valuation discount, Consistent earnings outperformance, Low P/B ratio
Confidence
85%
Value
90/100
Ref P/E, PEG, Graham Number
Positives
- Price $43.93 is well below Graham Number $59.15
- P/E of 11.29 is very attractive vs sector avg
Watchpoints
- Trading near 52-week high which may limit immediate entry appeal
Future
85/100
Ref Growth rates
Positives
- 23.8% YoY earnings growth
- Forward P/E of 9.12 suggests earnings expansion
Watchpoints
- Revenue growth (5.1%) is modest compared to earnings growth
Past
95/100
Ref Historical trends
Positives
- Exceptional 25-quarter track record of earnings beats
- Strong 1Y price performance (+37%)
Watchpoints
No urgent risks highlighted.
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 is in the 'Stable' range
Watchpoints
- F-Score is not in the 'Strong' (7-9) category
Dividend
60/100
Ref Yield, Payout
Positives
- Very low payout ratio (25.59%) ensures safety
Watchpoints
- Yield is relatively low for a regional bank
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$43.93
Analyst Target
$47.57
Upside/Downside
+8.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for FMBH and closest competitors.
Updated 2026-04-09
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
FMBH
First Mid Bancshares, Inc.
Primary
|
+14.0% | +77.1% | +37.0% | +22.6% | +9.3% | +5.5% |
|
AMAL
Amalgamated Financial Corp.
Peer
|
+138.8% | +109.7% | +36.9% | +34.9% | -5.9% | +0.8% |
|
BITF
Bitfarms Ltd.
Peer
|
-63.7% | +89.7% | +133.5% | -34.8% | -16.4% | -20.4% |
|
ASST
Strive Asset Management, LLC
Peer
|
-95.1% | -95.1% | -17.8% | -78.9% | +1.0% | -8.1% |
|
AOD
Abrdn Total Dynamic Dividend Fund
Peer
|
+75.1% | +66.9% | +30.6% | +16.2% | +1.2% | +0.8% |
FMB
First Mid Bancshares, Inc.
Primary
5Y
+14.0%
3Y
+77.1%
1Y
+37.0%
6M
+22.6%
1M
+9.3%
1W
+5.5%
AMA
Amalgamated Financial Corp.
Peer
5Y
+138.8%
3Y
+109.7%
1Y
+36.9%
6M
+34.9%
1M
-5.9%
1W
+0.8%
BIT
Bitfarms Ltd.
Peer
5Y
-63.7%
3Y
+89.7%
1Y
+133.5%
6M
-34.8%
1M
-16.4%
1W
-20.4%
ASS
Strive Asset Management, LLC
Peer
5Y
-95.1%
3Y
-95.1%
1Y
-17.8%
6M
-78.9%
1M
+1.0%
1W
-8.1%
AOD
Abrdn Total Dynamic Dividend Fund
Peer
5Y
+75.1%
3Y
+66.9%
1Y
+30.6%
6M
+16.2%
1M
+1.2%
1W
+0.8%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.29
Forward P/E
9.12
PEG Ratio
N/A
P/B Ratio
1.1
P/S Ratio
3.45
EV/Revenue
4.02
EV/EBITDA
N/A
Market Cap
$1.17B
Profitability
Profit margins and return metrics
Profit Margin
27.04%
Operating Margin
39.58%
Gross Margin
N/A
ROE
10.17%
ROA
1.19%
Growth
Revenue and earnings growth rates
Revenue Growth
+5.1%
Earnings Growth
+23.8%
Q/Q Revenue Growth
+3.64%
Q/Q Earnings Growth
+23.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$10.73
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
27.4%
Total Assets
$8.0B
Liabilities
$7.0B
Equity
$1.0B
Debt/Equity
7.31x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
95%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-30
$N/A
2026-01-29
$1.06
+0.1% surprise
2025-10-30
$0.94
-2.9% surprise
2025-07-24
$0.99
+8.0% surprise
Financial Services Sector Comparison
Comparing FMBH against 306 companies in the Financial Services sector
(53 bullish, 132 neutral, 121 bearish)
P/E Ratio
11.29
This Stock
vs
55.13
Sector Avg
-79.5%
(Discount)
Return on Equity (ROE)
10.17%
This Stock
vs
-0.93%
Sector Avg
-1195.8%
(Below Avg)
Profit Margin
27.04%
This Stock
vs
69.73%
Sector Avg
-61.2%
(Weaker)
Revenue Growth
5.1%
This Stock
vs
32.66%
Sector Avg
-84.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
FMBH
First Mid Bancshares, Inc.
|
BULLISH | $1.17B | 11.29 | 10.2% | 27.0% | $43.93 | |
|
AMAL
Amalgamated Financial Corp.
|
NEUTRAL | $1.14B | 11.17 | 13.9% | 33.4% | $38.1 | Compare |
|
BITF
Bitfarms Ltd.
|
NEUTRAL | $1.11B | - | -12.5% | -46.4% | $1.84 | Compare |
|
ASST
Strive Asset Management, LLC
|
BEARISH | $1.09B | - | -% | -% | $0.87 | Compare |
|
AOD
Abrdn Total Dynamic Dividend Fund
|
NEUTRAL | $1.05B | 6.45 | 15.9% | 227.2% | $10.0 | Compare |
FMBH
First Mid...
BULLISH
Mkt Cap
$1.2B
P/E
11.3
ROE
10.2%
Price
$43.93
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-02 | MCRAE ERIC S | Officer | Stock Award | 86 | $3,550 |
| 2026-04-02 | WESTERHOLD MARY J | Director | Stock Award | 323 | $13,304 |
| 2026-04-02 | ZIMMER JAMES EDWIN | Director | Stock Award | 308 | $12,677 |
| 2026-04-02 | COOK ROBERT S | Director | Stock Award | 320 | $13,179 |
| 2026-04-02 | SMITH MATTHEW K | President | Stock Award | 65 | $2,678 |
| 2026-02-20 | WOLAK STAS R | Officer | Sale | 430 | $18,778 |
| 2026-02-17 | ZIMMER JAMES EDWIN | Director | Purchase | 217 | $9,474 |
| 2026-02-04 | BEESLEY BRADLEY L | Officer | Sale | 6,000 | $264,000 |
| 2026-02-02 | SCHUETZ ANYA Y | Officer | Stock Award | 1,185 | $51,642 |
| 2026-02-02 | MCELWEE MEGAN E | Officer | Stock Award | 2,420 | $105,464 |
| 2026-02-02 | MARCUS GISELE A. | Director | Stock Award | 775 | $33,774 |
| 2026-02-02 | FRIEBURG JEREMY R | Chief Technology Officer | Stock Award | 2,315 | $100,888 |
| 2026-02-02 | WOLAK STAS R | Officer | Stock Award | 2,420 | $105,464 |
| 2026-02-02 | MELVIN ALEX J | Director | Stock Award | 775 | $33,774 |
| 2026-02-02 | DIVELY JOSEPH R | Chief Executive Officer | Stock Award | 13,200 | $575,256 |
MCRAE ERIC S
Officer
2026-04-02
86 shares
·
$3,550
WESTERHOLD MARY J
Director
2026-04-02
323 shares
·
$13,304
ZIMMER JAMES EDWIN
Director
2026-04-02
308 shares
·
$12,677
COOK ROBERT S
Director
2026-04-02
320 shares
·
$13,179
SMITH MATTHEW K
President
2026-04-02
65 shares
·
$2,678
WOLAK STAS R
Officer
2026-02-20
430 shares
·
$18,778
ZIMMER JAMES EDWIN
Director
2026-02-17
217 shares
·
$9,474
BEESLEY BRADLEY L
Officer
2026-02-04
6,000 shares
·
$264,000
SCHUETZ ANYA Y
Officer
2026-02-02
1,185 shares
·
$51,642
MCELWEE MEGAN E
Officer
2026-02-02
2,420 shares
·
$105,464
MARCUS GISELE A.
Director
2026-02-02
775 shares
·
$33,774
FRIEBURG JEREMY R
Chief Technology Officer
2026-02-02
2,315 shares
·
$100,888
WOLAK STAS R
Officer
2026-02-02
2,420 shares
·
$105,464
MELVIN ALEX J
Director
2026-02-02
775 shares
·
$33,774
DIVELY JOSEPH R
Chief Executive Officer
2026-02-02
13,200 shares
·
$575,256
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
7 analysts
DA Davidson
2026-02-02
Neutral
Neutral
Piper Sandler
2025-11-03
Overweight
Overweight
Past News Coverage
Recent headlines mentioning FMBH from our newsroom.
Newest → oldest
No matching news yet.