First Mid Bancshares, Inc. (FMBH) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Byline Bancorp, Inc.

Republic Bancorp, Inc. (Kentucky)

First Mid Bancshares, Inc.

Southside Bancshares, Inc.

Lakeland Bancorp, Inc.

Why is First Mid Bancshares, Inc. ?

High Profitability with a Net Interest Margin of 13.25%

Strong Long Term Fundamental Strength with a 13.99% CAGR growth in Net Profits

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 13.99%

Positive results in Jun 25

NII(Q) Highest at USD 63.86 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
NET SALES(Q) Highest at USD 93.4 MM

With ROA of 0.87%, it has a very attractive valuation with a 1.02 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 -10.02%, its profits have risen by 14.7% ; the PEG ratio of the company is 0.8

High Institutional Holdings at 49.52%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Below par performance in long term as well as near term

Along with generating -10.02% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How 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?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

First Mid Bancshares, Inc.

-3.03%

0.88

27.78%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

20.18%

EBIT Growth (5y)

11.82%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

28.47%

Pledged Shares

Institutional Holding

49.52%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.02

EV to EBIT

14.09

EV to EBITDA

11.36

EV to Capital Employed

1.02

EV to Sales

3.36

PEG Ratio

0.77

Dividend Yield

2.04%

ROCE (Latest)

7.21%

ROE (Latest)

9.25%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

NII(Q)

Highest at USD 63.86 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 93.4 MM

OPERATING PROFIT(Q)

Highest at USD 30.13 MM

PRE-TAX PROFIT(Q)

Highest at USD 30.13 MM

NET PROFIT(Q)

Highest at USD 23.44 MM

EPS(Q)

Highest at USD 0.98

-3What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -1.95 MM

DIVIDEND PAYOUT RATIO(Y)

Lowest at 24.56%

Here's what is working for First Mid Bancshares, Inc.

NII

Highest at USD 63.86 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 93.4 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 30.13 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 30.13 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 23.44 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.98

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

CASA

Highest at 13.31%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for First Mid Bancshares, Inc.

Operating Cash Flow

Lowest at USD -1.95 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Lowest at 24.56%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)