ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Mid Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 13.20%
2
Strong Long Term Fundamental Strength with a 15.18% CAGR growth in Net Profits
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 15.18%
4
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 5 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 108.07 MM
- NII(Q) Highest at USD 70.78 MM
- ROCE(HY) Highest at 1.14%
5
With ROA of 0.71%, it has a attractive valuation with a 1.03 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 25.26%, its profits have risen by 16.3% ; the PEG ratio of the company is 0.7
6
High Institutional Holdings at 50.76%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.29% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First Mid Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First Mid Bancshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
First Mid Bancshares, Inc.
25.26%
1.88
25.38%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.94%
EBIT Growth (5y)
12.66%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
25.62%
Pledged Shares
0
Institutional Holding
50.76%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.03
EV to EBIT
13.18
EV to EBITDA
10.95
EV to Capital Employed
1.03
EV to Sales
3.44
PEG Ratio
0.68
Dividend Yield
1.88%
ROCE (Latest)
7.78%
ROE (Latest)
9.57%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 108.07 MM
NII(Q)
Highest at USD 70.78 MM
ROCE(HY)
Highest at 1.14%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 100.62 MM
OPERATING PROFIT(Q)
Highest at USD 33.88 MM
OPERATING PROFIT MARGIN(Q)
Highest at 33.67 %
PRE-TAX PROFIT(Q)
Highest at USD 33.9 MM
NET PROFIT(Q)
Highest at USD 26.33 MM
EPS(Q)
Highest at USD 1.06
-6What is not working for the Company
ROCE(HY)
Lowest at 1.14%
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 23.64%
CASH AND EQV(HY)
Lowest at USD 122.11 MM
Here's what is working for First Mid Bancshares, Inc.
NII
Highest at USD 70.78 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 108.07 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 100.62 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 33.88 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 33.67 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 33.9 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 26.33 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.06
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Depreciation
Highest at USD 5.36 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for First Mid Bancshares, Inc.
Non Performing Loans (%)
Highest at 0.62%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Cash and Eqv
Lowest at USD 122.11 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Dividend Payout Ratio
Lowest at 23.64%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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