First Mid Illinois Stock Analysis
| FMBH Stock | USD 43.94 0.23 0.53% |
At the current market price of $43.94, FMBH trades below the analyst target price of $49.0. For FMBH, the valuation setup centers on whether current pricing reflects persistent margin pressure and the company's ability to stabilize free cash flow under a highly leveraged capital structure. Elevated leverage relative to financials peers shapes the risk profile for FMBH, placing debt coverage and refinancing capacity alongside profitability as primary analytical inputs.
FMBH carries $564.39 million in total debt with a debt-to-equity ratio of 9.31 relative to financials peers — debt reduction depends on sustained free cash flow generation, particularly given the impact of non-cash charges on reported earnings. Leverage changes for First Mid should be read alongside capital expenditure patterns to distinguish growth investment from refinancing activity. The rate environment affects debt cost — the same principal carries a different burden at higher interest rates. Asset vs Debt
Equity vs Debt
Price Book 1.06 | Price Sales 3.31 | Shares Float 24.07 million | Dividend Share 0.99 | Wall Street Target Price 49 |
Latest disclosures for First Mid Illinois show $466.0 million in Total Revenue, $91.7 million in Net Income, and $122.9 million in Operating Income.
First Mid |
Stock Analysis Notes
About 45.0% of FMBH shares are owned by institutional investors. FMBH has price-to-book (P/B) ratio of 1.06. Equities trading at this Price to Book (P/B) range reflect investor confidence in earnings power beyond book value. First Mid has Price/Earnings To Growth (PEG) ratio of 1.27. FMBH had its last dividend issued on the 15th of May 2026. The firm completed a 1.500-for-1 stock split on 2nd of July 2007. Latest disclosures for First Mid Illinois show $0.02 in Intangibles To Total Assets, $8.0 billion in Total Assets, and a Return On Assets of 0.7%.Gross Profit | $356.26 million |
Investor Insights and Alerts
| First Mid Illinois has a frail financial position based on the latest SEC disclosures | |
| Latest headline from simplywall.st: What First Mid Bancshares s Q 1 Earnings, Dividend and CEO Transition Mean For Shareholders |
Largest EPS Surprises
The gap between reported and consensus EPS is a fast repricing trigger for First Mid's stock. Negative surprises can compress valuation; positive surprises can stabilize sentiment. For this stock, read EPS surprises with profitability quality and forward revisions.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2016-01-28 | 2015-12-31 | 0.43 | 0.48 | 0.05 | 11 | ||
2020-10-29 | 2020-09-30 | 0.62 | 0.69 | 0.07 | 11 | ||
2018-07-26 | 2018-06-30 | 0.65 | 0.72 | 0.07 | 10 |
Environmental, Social, and Governance (ESG) Scores
ESG analysis for First Mid Illinois goes beyond values-based screening. It highlights practices with real financial consequences. ESG history tests whether the company is truly improving governance or just managing disclosure optics.
Top Institutional Investors Holding First Mid Stock
Annual revenue is about 466.04 million. How First Mid Illinois's institutional base reacts to earnings changes can move the stock in the short term. The business currently sits in the Financial Services sector and the Banks - Regional industry. With moderate institutional presence, retail activity has more room to move the price day to day.
| Shares | Endeavour Capital Advisors Inc | 2025-12-31 | 208.7 K | The Goldman Sachs Group Inc | 2025-12-31 | 188.5 K | Charles Schwab Investment Management Inc | 2025-12-31 | 179.2 K | Hotchkis & Wiley Capital Management Llc | 2025-12-31 | 169.4 K | Bridgeway Capital Management, Llc | 2025-12-31 | 150.4 K | Gendell Jeffrey L | 2025-12-31 | 137.5 K | Siena Capital Management, Llc | 2025-12-31 | 128.4 K | Rhino Investment Partners, Inc. | 2025-12-31 | 128 K | Deprince Race & Zollo Inc | 2026-03-31 | 118.7 K | Blackrock Inc | 2025-12-31 | 2.1 M | Vanguard Group Inc | 2025-12-31 | 1.3 M |
Market Capitalization
With a market cap of $1.16 billion, First Mid Illinois screens as a mid-cap company within regional banks. Useful market capitalization details here include about 26.61 million shares outstanding, enterprise value near $1.28 billion, and a workforce of about 1,335 people.Profitability
Profitability metrics test whether First Mid Illinois is building real earning power or just reporting one-time accounting gains. At small-cap scale, institutional coverage and secondary-market liquidity are typically well established. Return on assets, return on equity, and cash flow deserve as much focus as earnings per share. FMBH has Profit Margin (PM) of 27.0%. Similarly, it shows Operating Margin (OM) of 41.0%.| Last Reported | End Of Year Estimate | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.09 | 0.1 | |
| Return On Assets | 1.00% | 1.00% | |
| Return On Equity | 10.00% | 11.00% |
Management Efficiency
FMBH has return on total asset (ROA) of 1.14% indicating that assets are generating a positive return. This is under the sector median. First Mid also reports a return on stockholder's equity (ROE) of 9.85%, indicating that shareholder capital is generating returns.| Last Reported | End Of Year Estimate | ||
| Book Value Per Share | 40.16 | 42.17 | |
| Tangible Book Value Per Share | 29.56 | 31.04 | |
| Price Book Value Ratio | 0.97x | 1.4x | |
| Enterprise Value Multiple | 10.58x | 8.51x | |
| Price Fair Value | 0.97x | 1.4x | |
| Enterprise Value | $237.43 million | $249.3 million |
The management picture for First Mid Illinois becomes most actionable when executive decisions are compared with financial outcomes rather than with presentation language alone. Operating efficiency, capital deployment, and guidance credibility together determine how much confidence management warrants.
Operating Margin | Long Term Debt Total | Three Month Return -1.47 | Short Long Term Debt Total | Ten Year Return 74.83 |
Technical Drivers
On the 9th of May, First Mid is quoted at 43.94 per share. Observed technical values include Downside Deviation of 1.48, coefficient of variation of 9253.46, and Mean Deviation of 1.04. The framework analyzes price history and volume dynamics to measure short- and intermediate-term momentum. Indicator readings are benchmarked against comparable companies.Price Movement Analysis - Bollinger Bands
This analysis covers thirty-eight data points across the selected time horizon. The Exponential Moving Average is calculated by weighting recent values of First Mid Illinois more heavily than older values.
Insider Trading Activities
The analytical value in First Mid's insider filings lies in transaction clustering, trade size, and timing relative to price movements rather than any single filing. U.S. insider activity is disclosed through Form 4 filings, enabling analysis of transaction timing, clustering, and scale.
Outstanding Bonds
Reviewing First Mid Illinois bond obligations provides context for understanding how much of the business is financed with fixed-income capital rather than purely with equity. Longer-dated obligations can improve financing stability, but they also leave investors more exposed if the underlying business weakens before the debt matures.
| US320867AC83 Corp BondUS320867AC83 | View | |
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| Morgan Stanley Jul Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
Predictive Daily Indicators
Daily signals in First Mid Illinois help active traders track momentum, reversals, and volume pressure during the session. The best setups combine these signals with strict risk limits, since short-term data can reverse fast when liquidity thins.
Corporate Filings
10Q | 8th of May 2026 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | |
8K | 1st of May 2026 Report filed with the SEC to announce major events that shareholders should know about | |
8K | 29th of April 2026 Report filed with the SEC to announce major events that shareholders should know about | |
13A | 27th of April 2026 An amended filing to the original Schedule 13G | |
8K | 15th of April 2026 Report filed with the SEC to announce major events that shareholders should know about | |
F4 | 6th of April 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | |
F4 | 1st of April 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | |
F4 | 31st of March 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities |
Forecast Models
Forecasting applied to First Mid Illinois learns from price structure, volatility patterns, and trend strength rather than commentary alone. These models describe patterns, not guarantees. The real test is whether market conditions have changed enough to break the old pattern.Financial Strength and Earnings Quality Indicators
First Mid Illinois financial ratings play a critical role in determining how much First Mid has to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for First Mid's borrowing costs.| Piotroski F Score | 3 | Frail | View |
| Beneish M Score | -2.55 | Unlikely Manipulator | View |
Debt to Cash Allocation
The debt-to-cash mix for First Mid helps explain how management balances flexibility and funding cost through a business cycle.
Total debt stands at approximately $564.39 million with Debt to Equity (D/E) ratio of 9.31. First Mid's use of debt should be considered alongside its cash position and equity base.Total Assets Over Time
Assets Financed by Debt
Debt finances 7.95% of FMBH's total assets — a relatively low share of the asset base, though leverage can still appear elevated relative to peers when measured against equity rather than total assets.First Mid Debt Ratio | 7.95 |
Corporate Bonds Issued
Bond maturity for First Mid is a core risk dimension. Longer duration can offer higher yield, but price sensitivity and credit uncertainty also increase.
First Mid Short Long Term Debt Total
Short Long Term Debt Total | $592.61 million |
Stock Analysis Methodology
First Mid stock analysis checks balance sheet strength, earnings quality, and price momentum. First Mid shows ROE (TTM) of 9.85% and net margin (TTM) of 27.3%. Balance sheet indicators include debt-to-equity of 9.31.
First Mid Illinois values are built from periodic company reporting and market reference feeds, with reporting definitions aligned before display. Sell-side coverage, where present, supplements the data shown.
Editorial review and methodology oversight provided by: Vlad Skutelnik, Macroaxis Contributor
Current First Mid Analyst Rating Consensus
| Target Price | Consensus | # of Analysts | |
| 49.0 | Buy | 7 | Odds |
First Mid Illinois analyst recommendation data spans current and historical periods across providers. Analyst recommendations can range from strong sell to strong buy on a standardized scale. First Mid Illinois's analyst consensus is derived from the aggregate of buy, hold, and sell ratings issued by covering institutions. Consensus upgrades or downgrades for First Mid often have meaningful short-term impact on the stock price. Following analyst revisions on First Mid over time reveals trends in institutional sentiment.
First Mid Stock Analysis Indicators
Diagnostics snapshot includes 19 indicators such as Begin Period Cash Flow, Long Term Debt, Common Stock Shares Outstanding.
| Begin Period Cash Flow | 121.22 million | |
| Long Term Debt | 354.46 million | |
| Common Stock Shares Outstanding | 23.99 million | |
| Total Stockholder Equity | 958.69 million | |
| Total Cashflows From Investing Activities | -302.62 million | |
| Tax Provision | 25.3 million | |
| Quarterly Earnings Growth Y O Y | 0.141 | |
| Property Plant And Equipment Net | 103.46 million | |
| Cash And Short Term Investments | 1.09 billion | |
| Cash | 256.58 million | |
| Accounts Payable | 5.78 million | |
| Net Debt | 307.8 million | |
| 50 Day M A | 41.7776 | |
| Total Current Liabilities | 6.6 billion | |
| Other Operating Expenses | 348.99 million | |
| Non Current Assets Total | 6.84 billion | |
| Forward Price Earnings | 12.0482 | |
| Non Currrent Assets Other | 247.23 million | |
| Stock Based Compensation | 2.64 million |