Is First Mid Bancshares, Inc. (FMBH) Overvalued?
We dive into why First Mid Bancshares, Inc. (FMBH) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
First Mid Bancshares, Inc., a financial holding company, provides community banking products and services to commercial, retail, and agricultural customers in the United States. It accepts various deposit products, such as demand deposits, savings accounts, money market deposits, and time deposits. The company’s loan products include commercial real estate, commercial and industrial, agricultural and agricultural real estate, residential real estate owner and non-owner occupied, and consumer loans, as well as construction and land development, 1-4 family residential properties, and multifamily residential properties loans; and other loans comprising loans to municipalities to support community projects, such as infrastructure improvements or equipment purchases. In addition, it offers wealth management services, which include estate planning and investment services to individuals; employee benefit services for businesses; and farm management and brokerage services. Further, the company provides property and casualty, senior insurance products, and group medical insurance for businesses; and personal lines insurance to individuals. The company was formerly known as First Mid-Illinois Bancshares, Inc. and changed its name to First Mid Bancshares, Inc. in April 2019. First Mid Bancshares, Inc. was founded in 1865 and is headquartered in Mattoon, Illinois.
Commentary & Analysis
What You Need to Know About First Mid Bancshares, Inc.'s Q3 Earnings
First Mid Bancshares, Inc.'s fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (FMBH) missed or beat analyst's expectations.Michael Rose
7 Undervalued Banks Stocks for Monday, May 25
Discover the top 7 undervalued Banks stocks for Monday, May 25 based on AAII’s Stock Grades.Rosalio Madrigal
What You Need to Know About First Mid Bancshares, Inc.'s Q2 Earnings
First Mid Bancshares, Inc.'s fiscal Q2 earnings report was released on Wednesday, April 29. Let's dive in to see if (FMBH) missed or beat analyst's expectations.Rosalio Madrigal
3 Undervalued Banks Stocks for Friday, April 03
Discover the top 3 undervalued Banks stocks for Friday, April 03 based on AAII’s Stock Grades.Omar Beirat
Financial Summary
| Share Statistics | FMBH | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $1,357.5 | $756.4 | 49% |
|
| Shares Out (Mil) | 26.6 | 15.4 | 35% |
|
| Institutional Ownership | 85.6% | 84.0% | 53% |
|
| Float (Mil) | 24.1 | 21.7 | 32% |
|
| Beta | 0.78 | 0.44 | 46% |
|
| Avg Daily Volume (000s) | 114 | 40 | 38% |
|
| Price Change (52-week) |
28.4% | 94.9% | 71% |
|
| Growth | FMBH | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | 14.7% | 7.7% | 72% |
|
| Net Income (5yr) | 15.1% | 11.1% | 63% |
|
| EPS (5yr) | 7.2% | 10.1% | 42 |
|
| Dividends (5yr) | 3.9% | 3.6% | 78% |
|
| Cash Flow (5yr) | (22.4%) | (17.1%) | 29% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | 7 | 7 | 7 | |
| Current EPS | $1.147 | $4.734 | $4.941 | |
| Month Ago EPS | $1.147 | $4.734 | $4.941 | |
| # Rev Up | 3 | 4 | 2 | |
| # Rev Down | 0 | 0 | 3 | |
| Three Months Ago EPS | $1.130 | $4.560 | $4.894 | |
| Year/Year Chg | 10.3% | 23.6% | na | |
| Financials | FMBH | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $373 | $196 | 38% |
|
| Net Income (TTM) (Mil) | $100 | $56 | 60% |
|
| EPS (TTM) | $4.050 | $2.500 | 83% |
|
| Operating Cash Flow (TTM) (Mil) | $127 | $34 | 54% |
|
| Net Cash Flow (TTM) (Mil) | $114 | $2 | 78% |
|
| Long-Term Debt (Q1) (Mil) | $261 | $99 | 52% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | FMBH | Industry Median |
Percentile (All Stocks) |
|
| P/B | 1.23 | 1.27 | 30% |
|
| P/E | 12.6 | 12.5 | 28% |
|
| Dividend Yield | 2.0% | 2.2% | 76% |
|
| PEG (5yr hist) | 1.8 | 1.1 | 65% |
|
| Ratios | FMBH | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 63.7% | na |
|
| Net Margin | 26.9% | 29.1% | 85% |
|
| ROA | 1.2% | 1.1% | 49% |
|
| ROE | 10.0% | 11.3% | 57% |
|
| Liabilities to Assets | 88.0% | 89.7% | 82% |
|
| F-Score | 5 | 4 | 50% |
|
Passing Stock Screens
As of 9/11/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
