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 Dec 25
- NII(Q) Highest at USD 66.53 MM
- OPERATING CASH FLOW(Y) Highest at USD 88.67 MM
- ROCE(HY) Highest at 1.18%
5
With ROA of 0.90%, it has a very attractive valuation with a 1.00 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 9.49%, its profits have risen by 14.7% ; the PEG ratio of the company is 0.7
6
High Institutional Holdings at 48.47%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
First Mid Bancshares, Inc.
9.36%
1.06
28.25%
S&P 500
17.78%
0.90
19.38%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.94%
EBIT Growth (5y)
12.89%
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
25.59%
Pledged Shares
0
Institutional Holding
48.47%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.00
EV to EBIT
13.97
EV to EBITDA
11.37
EV to Capital Employed
1.00
EV to Sales
3.42
PEG Ratio
0.73
Dividend Yield
2.05%
ROCE (Latest)
7.17%
ROE (Latest)
9.42%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at USD 66.53 MM
OPERATING CASH FLOW(Y)
Highest at USD 88.67 MM
ROCE(HY)
Highest at 1.18%
CASH AND EQV(HY)
Highest at USD 352.33 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 94%
NET PROFIT(Q)
Highest at USD 23.68 MM
EPS(Q)
Highest at USD 0.99
-2What is not working for the Company
ROCE(HY)
Lowest at 1.18%
Here's what is working for First Mid Bancshares, Inc.
NII
Highest at USD 66.53 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 88.67 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
Highest at USD 23.68 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.99
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 352.33 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 94%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 13.55%
in the last five periodsMOJO 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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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