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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
First Mid Illinois Bancshares Inc is the holding company for First Mid Bank & Trust, a regional lender providing commercial, agricultural and consumer banking plus wealth and mortgage services in central Illinois. Long-term growth may come from loan and fee-income expansion, local market share gains and potential improvement in net interest margin; investors may view its community banking franchise and diversified revenue mix favorably.
Key risks are credit concentration in agriculture and commercial real estate, interest-rate and deposit funding sensitivity, and regulatory and competitive pressures could hit earnings or capital.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 117.05M | 104.40M | 88.41M | 91.29M | 66.79M |
| Net income | 91.75M | 78.90M | 68.94M | 72.95M | 51.49M |
| Selling general administrative | 171.19M | 127.60M | 111.31M | 100.40M | 91.26M |
| Selling and marketing expenses | - | 3.42M | 3.00M | 3.00M | 3.60M |
| Gross profit | 339.30M | 313.00M | 300.17M | 254.66M | 237.52M |
| Reconciled depreciation | 19.77M | 20.78M | 14.90M | 6.29M | 5.39M |
| Ebit | 117.05M | 104.40M | 88.41M | 131.68M | 66.79M |
| Ebitda | 136.82M | 125.17M | 88.41M | 137.97M | 72.18M |
| Depreciation and amortization | 19.77M | 20.78M | 9.13M | 6.29M | 5.39M |
| Operating income | 117.05M | 104.40M | 88.41M | 131.68M | 66.79M |
| Other operating expenses | 348.99M | 342.88M | 3.00M | -122.98M | -170.73M |
| Interest expense | 116.83M | 128.65M | 106.70M | 31.61M | 15.26M |
| Tax provision | 25.30M | 25.50M | 19.47M | 18.34M | 15.30M |
| Interest income | 372.99M | 357.38M | 300.17M | 215.89M | 183.01M |
| Net interest income | 256.17M | 228.73M | 193.46M | 184.28M | 167.75M |
| Income tax expense | 25.30M | 25.50M | 19.47M | 18.34M | 15.30M |
| Total revenue | 466.04M | 447.28M | 300.17M | 254.66M | 237.52M |
| Total operating expenses | 222.25M | 208.60M | 3.00M | -122.98M | -170.73M |
| Cost of revenue | 126.75M | 134.29M | 86.79M | - | - |
| Total other income expense net | - | 301.25M | 88.41M | -40.38M | -15.26M |
| Net income from continuing ops | 91.75M | 78.90M | 68.94M | 72.95M | 51.49M |
| Net income applicable to common shares | - | - | - | 72.95M | 51.49M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 7966.66M | 7540.26M | 7586.79M | 6744.22M | 5986.58M |
| Intangible assets | 49.62M | 58.52M | 264.23M | 29.48M | 29.52M |
| Other current assets | 1243.17M | - | 143.06M | 1.47M | 4163.82M |
| Total liab | 7007.97M | 6673.34M | 6793.59M | 6111.06M | 5352.69M |
| Total stockholder equity | 958.69M | 846.39M | 793.20M | 633.15M | 633.89M |
| Other current liab | 6395.27M | - | 4365.48M | -3.35M | -1.35M |
| Common stock | 100.69M | 100.26M | 99.92M | 86.37M | 76.83M |
| Capital stock | 100.69M | 100.26M | 99.92M | 86.37M | 76.83M |
| Retained earnings | 463.54M | 395.19M | 338.66M | 289.28M | 234.16M |
| Other liab | - | - | - | 26.92M | 49.89M |
| Good will | 203.39M | 203.39M | 196.46M | 140.41M | 111.85M |
| Other assets | 6282.44M | 7273.19M | - | 3852.20M | 2722.53M |
| Cash | 256.58M | 124.64M | -143.06M | 152.43M | 168.60M |
| Total current liabilities | 6597.77M | 5.28M | 4579.20M | 3.35M | 1.35M |
| Current deferred revenue | - | - | -5.44M | - | - |
| Net debt | 307.80M | 243.82M | 751.38M | 426.56M | 31.44M |
| Short term debt | 196.72M | - | 213.72M | - | 94.40M |
| Short long term debt total | 564.39M | 368.46M | 608.32M | 578.99M | 200.04M |
| Other stockholder equity | 495.76M | 888.52M | 793.20M | 409.01M | 323.73M |
| Property plant equipment | - | - | - | 90.47M | 81.48M |
| Total current assets | 1125.00M | 165.53M | 143.06M | 1393.62M | 1609.89M |
| Long term investments | 1083.76M | 1070.01M | 1177.93M | 1223.72M | 1431.30M |
| Net tangible assets | - | - | - | 463.26M | 492.52M |
| Short term investments | 828.47M | -25.71M | 1171.57M | 1218.98M | 1421.42M |
| Net receivables | 39.95M | 38.64M | 35.08M | 28.36M | 19.87M |
| Long term debt | 354.46M | 354.27M | 394.60M | 578.99M | 200.04M |
| Inventory | - | - | 107.98M | 4.37M | -19.87M |
| Accounts payable | 5.78M | 5.28M | 5.44M | 3.35M | 1.35M |
| Accumulated other comprehensive income | -101.30M | -142.38M | -133.80M | -151.51M | -0.83M |
| Common stock total equity | - | - | - | 86.37M | 76.83M |
| Retained earnings total equity | - | - | - | 289.28M | 234.16M |
| Non currrent assets other | 247.23M | -261.91M | 7078.10M | -57.95M | -1654.16M |
| Non current assets total | 6841.66M | 101.53M | 7443.73M | 1498.39M | 1654.16M |
| Capital lease obligations | 13.21M | 14.19M | 14.62M | 16.04M | 15.32M |
| Long term debt total | - | - | - | 113.92M | 113.59M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 37.18M | -7.51M | 474.38M | -241.99M | -485.36M |
| Change to liabilities | - | - | - | 4.86M | 3.65M |
| Total cashflows from investing activities | -302.62M | -7.51M | 474.38M | -178.69M | -482.50M |
| Net borrowings | -2.32M | -40.63M | -201.14M | 399.37M | -55.67M |
| Total cash from financing activities | 305.45M | -138.76M | -556.17M | 96.69M | 164.22M |
| Change to operating activities | - | - | - | -14.68M | -10.07M |
| Net income | 91.75M | 78.90M | 68.94M | 72.95M | 51.49M |
| Change in cash | 133.70M | -21.85M | -9.37M | -16.17M | -248.68M |
| Begin period cash flow | 121.22M | 143.06M | 152.43M | 168.60M | 417.28M |
| End period cash flow | 254.92M | 121.22M | 143.06M | 152.43M | 168.60M |
| Total cash from operating activities | 130.87M | 124.42M | 72.42M | 65.82M | 69.60M |
| Issuance of capital stock | 1.12M | 1.05M | 1.00M | 1.24M | 1.94M |
| Depreciation | 19.77M | 20.78M | 14.90M | 15.06M | 14.45M |
| Other cashflows from investing activities | -330.55M | -97.46M | -15.38M | 68.32M | 6.56M |
| Dividends paid | 23.39M | 22.37M | 19.56M | -17.83M | -14.72M |
| Change to inventory | - | - | -18.25M | - | -8.26M |
| Change to account receivables | -1.31M | -3.56M | -2.70M | -6.72M | 2.38M |
| Sale purchase of stock | -0.72M | -0.66M | -0.47M | -0.34M | -0.33M |
| Other cashflows from financing activities | 330.77M | -76.16M | -336.01M | 139.48M | 217.42M |
| Change to netincome | - | - | - | 3.45M | 14.84M |
| Capital expenditures | 6.85M | 4.95M | 3.64M | 5.02M | 3.70M |
| Change receivables | - | - | - | -6.72M | 2.38M |
| Cash flows other operating | - | - | - | -23.78M | -17.21M |
| Cash and cash equivalents changes | - | - | - | -16.17M | -248.68M |
| Change in working capital | 9.58M | 21.27M | -28.84M | -24.96M | -10.72M |
| Stock based compensation | 2.64M | 2.36M | 1.66M | 1.80M | 1.30M |
| Other non cash items | 9.47M | 0.53M | -0.97M | 3.20M | 16.43M |
| Free cash flow | 124.03M | 119.48M | 68.78M | 60.80M | 65.89M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FMBH First Mid Illinois Bancshares Inc |
-0.63 1.22% |
50.84 | 12.67 | 12.05 | 3.64 | 1.23 | 4.39 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.95 1.31% |
221.60 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.72 2.15% |
33.05 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
1.29 1.58% |
82.76 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
1421 Charleston Avenue, Mattoon, IL, United States, 61938
217 234 7454
1316
| Name | Title | Year Born |
|---|---|---|
| Mr. Joseph R. Dively | Chairman, Pres & CEO | 1959 |
| Mr. Matthew K. Smith CPA | Exec. VP & CFO | 1975 |
| Mr. Michael L. Taylor | Sr. EVP & COO | 1969 |
| Mr. Bradley L. Beesley | Exec. VP & Chief Wealth Management Officer | 1972 |
| Mr. Eric S. McRae | Exec. VP & Chief Lending Officer | 1965 |
| Mr. David R. Hiden | Sr. VP & Chief Information Officer | 1963 |
| Mr. Jason M. Crowder | SVP & Gen. Counsel | 1971 |
| Ms. Rhonda R. Gatons | Sr. VP & Chief HR Officer | 1972 |
| Ms. Laurel G. Allenbaugh | Exec. VP & COO | 1960 |
| Ms. Amanda D. Lewis | Exec. VP & Chief Deposit Services Officer | 1980 |
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