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First Mid Illinois Bancshares Inc

First Mid Illinois Bancshares Inc

FMBH · NASDAQ · Financial Services / Banks - Regional

51.32USD+0.13 (+0.25%)

Price History

Full chart

Market Stats

Previous Close51.19
Open51.27
Day Range50.78 – 51.45
52-Week Range33.36 – 53.09
Volume115.69K
Market Cap1.32B
P/E (TTM)12.34
Forward P/E12.05
EPS4.03
Dividend Yield2.11%
Beta0.77
50-Day Avg50.76
200-Day Avg44.89

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Joseph R. Dively
  • Employees1.32K
  • Headquarters1421 Charleston Avenue, Mattoon, IL, United States, 61938, USA
  • Websitehttps://www.firstmid.com

Leadership

  • Mr. Joseph R. DivelyExecutive Chairman · b. 1959
  • Mr. Jordan D. ReadExecutive VP, CFO & Chief Risk Officer · b. 1990
  • Mr. Michael L. TaylorSenior EVP & COO · b. 1969
  • Mr. Eric S. McRaeExecutive VP & & Chief Lending Officer · b. 1965
  • Ms. Amanda D. LewisExecutive VP & COO · b. 1980
  • Mr. Jeremy R. FrieburgSenior VP & Chief Information Officer · b. 1981
  • Mr. Jason M. CrowderExecutive VP & General Counsel · b. 1971
  • Ms. Regina P. NelsonEVP & Chief Marketing Officer · b. 1971
  • Ms. Rhonda R. GatonsExecutive VP, Director of Human Resources & Chief Human Resources Officer · b. 1972
  • Mr. Bradley L. BeesleyExecutive VP & Chief Wealth Management Officer · b. 1972

Financials

Income Statement

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue15.89M21.01M22.75M25.25M25.52M25.72M50.96M54.26M51.78M51.19M51.66M57.10M68.94M74.59M72.33M64.86M64.70M72.56M74.08M72.80M73.10M79.80M100.41M127.50M157.01M202.25M201.37M249.66M286.27M300.17M447.28M466.04M
Growth (%)-+32.24%+8.27%+10.99%+1.05%+0.79%+98.15%+6.49%-4.58%-1.14%+0.92%+10.52%+20.73%+8.20%-3.03%-10.32%-0.25%+12.14%+2.09%-1.72%+0.42%+9.15%+25.84%+26.97%+23.15%+28.82%-0.43%+23.98%+14.66%+4.85%+49.01%+4.19%
Cost of Revenue12.09M17.00M17.95M19.83M19.18M19.02M23.12M22.19M15.74M12.90M12.23M16.78M25.47M29.29M24.90M19.43M14.49M11.61M8.80M5.73M3.88M4.82M7.12M13.94M21.49M30.48M32.83M30.41M36.42M86.79M134.29M126.75M
Gross Profit3.81M4.01M4.80M5.42M6.34M6.70M27.84M32.07M36.05M38.30M39.43M40.32M43.46M45.30M47.43M45.43M50.21M60.95M65.27M67.07M69.22M74.98M93.30M113.55M135.51M171.77M168.54M219.25M249.85M300.17M313.00M339.30M
Gross Margin23.94%19.08%21.09%21.47%24.85%26.06%54.62%59.11%69.61%74.81%76.32%70.62%63.05%60.73%65.57%70.04%77.60%84.01%88.12%92.13%94.69%93.96%92.91%89.06%86.31%84.93%83.70%87.82%87.28%100.00%69.98%72.80%
Operating Expense-1.08M-1.75M-1.63M-1.94M-1.16M-766.00K20.14M22.52M24.01M24.53M25.14M25.39M28.42M30.05M31.46M33.21M36.93M43.05M42.84M43.50M44.51M49.25M59.52M71.83M87.01M108.50M108.80M152.46M158.56M211.76M208.60M222.25M
Operating Income4.88M5.75M6.43M7.36M7.50M7.47M7.70M9.56M12.04M13.77M14.29M14.94M15.04M15.25M15.97M12.22M13.28M17.90M22.43M23.57M24.71M25.73M33.78M41.73M48.51M63.27M59.74M66.79M91.29M88.41M104.40M117.05M
Operating Margin30.73%27.38%28.26%29.13%29.38%29.04%15.10%17.61%23.25%26.89%27.66%26.16%21.82%20.44%22.08%18.84%20.53%24.67%30.29%32.37%33.81%32.25%33.64%32.73%30.89%31.28%29.67%26.75%31.89%29.45%23.34%25.12%
EBITDA6.39M6.99M7.68M9.22M9.57M9.94M10.58M12.76M15.21M16.87M16.74M16.42M16.71M17.09M18.20M15.29M17.22M23.30M27.84M28.23M28.68M30.17M41.72M49.86M56.39M74.11M71.46M81.24M106.35M88.41M125.17M136.82M
EBITDA Margin40.19%33.24%33.76%36.51%37.50%38.66%20.77%23.51%29.37%32.96%32.41%28.76%24.24%22.91%25.16%23.57%26.62%32.11%37.58%38.78%39.23%37.81%41.54%39.11%35.91%36.64%35.49%32.54%37.15%29.45%27.99%29.36%
Net Income3.43M3.92M4.17M4.73M5.06M5.23M5.66M6.52M8.03M9.09M9.75M9.81M10.01M10.16M10.52M8.21M8.76M11.37M14.03M14.72M15.46M16.51M21.84M26.68M36.60M47.94M45.27M51.49M72.95M68.94M78.90M91.75M
Net Income Margin21.61%18.67%18.31%18.72%19.84%20.34%11.11%12.01%15.52%17.76%18.87%17.18%14.52%13.62%14.55%12.66%13.54%15.67%18.93%20.22%21.15%20.69%21.75%20.93%23.31%23.70%22.48%20.62%25.48%22.97%17.64%19.69%
R&D-----------------00000000-------
R&D as % of Total Revenue-----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense11.92M16.73M17.80M19.13M18.63M18.41M22.57M21.59M14.66M11.90M11.64M15.69M24.71M28.43M21.34M15.84M10.76M8.50M6.16M3.54M3.25M3.50M4.29M6.48M12.83M24.05M16.73M15.26M31.61M106.70M128.65M116.83M
Interest Expense % of Total Revenue75.00%79.59%78.26%75.76%73.00%71.60%44.30%39.79%28.31%23.24%22.54%27.47%35.85%38.11%29.51%24.42%16.62%11.72%8.31%4.86%4.45%4.38%4.27%5.08%8.17%11.89%8.31%6.11%11.04%35.55%28.76%25.07%

Balance Sheet

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets451.16M472.49M515.40M532.98M554.66M601.10M643.00M705.98M776.24M793.98M826.73M850.57M980.56M1.02B1.05B1.10B1.47B1.50B1.58B1.61B1.61B2.11B2.88B2.84B3.84B3.84B4.73B5.99B6.74B7.59B7.52B7.97B
Total Liabilities420.56M437.19M475.49M487.40M504.18M549.59M585.27M642.05M709.43M723.39M757.57M778.25M904.77M935.89M966.92M983.93M1.36B1.36B1.42B1.46B1.44B1.91B2.60B2.53B3.36B3.31B4.16B5.35B6.11B6.79B6.67B7.01B
Total Equity30.60M35.31M39.90M45.58M50.48M51.52M57.73M63.92M66.81M70.59M69.15M72.33M75.79M80.45M82.78M111.22M112.27M140.97M156.69M149.38M164.92M205.01M280.67M307.96M475.86M526.61M568.23M633.89M633.15M793.20M846.39M958.69M
Cash17.71M23.30M27.11M26.66M21.77M21.84M22.11M28.87M42.43M23.57M21.10M19.56M20.47M28.87M48.34M39.76M151.49M65.34M68.88M64.61M51.73M115.78M175.90M88.88M141.40M85.08M417.28M168.60M146.28M-143.06M124.64M256.58M
Total Debt27.29M18.90M38.63M13.20M24.20M27.00M75.72M76.50M124.91M99.80M121.55M122.19M125.11M156.17M152.08M133.76M137.43M313.38M139.10M159.81M203.11M45.62M236.74M214.70M285.05M273.43M341.84M287.43M816.44M608.32M572.58M564.39M
Net Debt9.58M-4.39M11.52M-13.46M2.43M5.16M53.61M47.63M82.48M76.23M100.44M102.63M104.65M127.30M103.73M94.00M-14.07M248.04M70.23M95.20M-11.11M-75.16M-93.83M5.47M15.07M52.67M-210.03M31.44M670.16M751.38M447.94M307.80M

Cash Flow

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow5.71M5.86M3.40M5.50M683.00K14.98M8.66M4.50M9.14M17.76M11.18M11.41M10.25M12.63M15.23M8.32M7.51M18.98M22.89M24.66M17.78M22.00M27.42M46.15M42.17M62.83M63.54M69.60M65.82M72.42M124.42M130.87M
Investing Cash Flow-14.30M-15.57M-38.28M10.16M-23.78M5.55M-38.65M-20.63M-31.38M-70.88M-37.24M-31.04M-16.64M-27.21M15.81M-39.93M100.54M-191.45M-73.68M-67.15M-10.03M10.37M-78.06M-55.96M-10.96M-32.07M-562.42M-482.50M-178.69M474.38M-7.51M-302.63M
Financing Cash Flow4.89M15.29M38.69M-16.11M18.21M-20.46M32.99M24.39M58.80M8.41M24.67M15.63M8.67M23.86M24.48M35.38M33.04M14.08M60.40M24.87M-21.12M31.69M110.75M-77.22M21.31M-87.08M831.08M164.22M96.69M-556.17M-138.76M305.45M
Capital Expenditure455.00K891.00K2.23M1.56M2.17M2.78M1.11M1.63M2.13M1.05M889.00K1.42M1.27M856.00K1.08M1.95M1.94M4.63M1.49M1.40M1.18M1.76M709.00K1.27M3.11M4.10M2.46M3.70M5.02M3.64M4.95M6.85M
Free Cash Flow5.25M4.97M1.17M3.94M-1.49M12.20M7.55M2.88M7.01M16.71M10.29M9.99M8.98M11.78M14.15M6.37M5.57M14.35M21.40M23.27M16.60M20.24M26.71M44.88M39.06M58.73M61.08M65.89M60.80M68.78M119.48M124.03M
Dividends Paid944.00K445.00K468.00K459.00K506.00K624.00K569.00K590.00K674.00K778.00K954.00K1.43M1.51M1.51M1.55M2.76M3.85M4.69M6.63M6.06M6.99M5.49M6.56M7.23M8.79M11.86M12.81M14.72M17.83M19.56M22.37M23.39M
FCF to OCF92.03%84.81%34.39%71.63%-217.57%81.46%87.23%63.90%76.70%94.08%92.05%87.59%87.59%93.23%92.90%76.53%74.23%75.63%93.51%94.34%93.37%91.99%97.41%97.24%92.62%93.47%96.12%94.68%92.37%94.97%96.03%94.77%
Dividend Paid to FCF17.98%8.95%40.00%11.64%-34.05%5.11%7.53%20.51%9.61%4.66%9.27%14.32%16.86%12.84%10.98%43.38%69.08%32.66%30.98%26.06%42.09%27.12%24.57%16.11%22.51%20.20%20.98%22.34%29.32%28.43%18.72%18.86%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Jan 30, 2015Apr 29, 2015Jul 30, 2015Oct 29, 2015Jan 28, 2016Apr 27, 2016Aug 1, 2016Oct 27, 2016Jan 26, 2017Apr 26, 2017Jul 27, 2017Oct 26, 2017Jan 25, 2018Apr 25, 2018Jul 26, 2018Oct 25, 2018Jan 24, 2019Apr 24, 2019Jul 25, 2019Oct 24, 2019Jan 23, 2020Apr 30, 2020Jul 30, 2020Oct 29, 2020Jan 28, 2021Apr 28, 2021Jul 29, 2021Oct 28, 2021Jan 27, 2022Apr 27, 2022Jul 28, 2022Oct 27, 2022Jan 26, 2023Apr 26, 2023Jul 27, 2023Oct 26, 2023Jan 25, 2024Apr 24, 2024Aug 1, 2024Oct 31, 2024Jan 23, 2025Apr 29, 2025Jul 24, 2025Oct 30, 2025Jan 29, 2026Apr 29, 2026Jul 23, 2026Oct 29, 2026
EPS Estimate----------------------------------------------------------------0.430.500.510.500.520.520.560.600.590.640.650.670.730.720.730.710.700.630.450.620.730.510.860.910.960.860.920.940.950.860.760.670.840.850.790.840.840.940.920.971.061.061.121.15
EPS Actual0.180.160.170.180.170.170.190.200.170.190.210.220.260.260.260.330.290.330.340.350.350.380.360.350.360.380.360.380.370.410.400.370.380.460.420.450.340.310.240.260.220.320.200.240.310.350.260.290.390.410.390.420.400.410.430.470.420.420.480.470.470.480.490.370.480.490.500.510.550.500.660.610.480.660.720.540.670.810.760.700.720.600.600.690.830.880.981.080.940.960.900.901.010.960.830.770.940.930.840.830.870.960.990.941.061.141.26-
Surprise----------------------------------------------------------------11.63%-2.00%-1.96%2.00%5.77%-3.85%17.86%1.67%-18.64%3.13%10.77%-19.40%-8.22%12.50%4.11%-1.41%2.86%-4.76%33.33%11.29%13.70%72.55%13.95%18.68%-2.08%11.63%-2.17%-4.26%6.32%11.63%9.21%14.93%11.90%9.41%6.33%-1.19%3.57%2.13%7.61%-3.09%0.00%7.55%12.50%-
Timing------------------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap1.32B
Enterprise Value1.50B
Trailing P/E12.34
Forward P/E12.05
PEG Ratio1.27
Price / Sales3.54
Price / Book1.18
EPS4.03
Book Value41.43
Revenue (TTM)373.36M
Gross Profit (TTM)373.36M
Profit Margin26.85%
Operating Margin38.79%
Return on Equity10.05%
Return on Assets1.19%
Shares Outstanding26.60M
Shares Float24.06M
Beta0.77
Dividend Yield2.11%
Dividend Rate1.04
Payout Ratio22.95%

Analyst Ratings

Buy
Based on 7 analystsTarget 56.50
  • Strong Buy
    2
  • Buy
    2
  • Hold
    3

Ownership Breakdown

Institutions
57.14%
Insiders
9.84%
Retail / Other
33.02%

Top Institutional Holders

  • BlackRock Inc
    2.07M7.77%
  • Ballentine Finn & Company Inc
    1.67M6.28%
  • Dimensional Fund Advisors, Inc.
    1.17M4.39%
  • Vanguard Capital Management, LLC
    932.76K3.51%
  • American Century Companies Inc
    751.12K2.82%
  • Geode Capital Management, LLC
    561.55K2.11%
  • State Street Corp
    525.12K1.97%
  • Wellington Management Company LLP
    503.19K1.89%
  • Boston Partners Global Investors, Inc
    459.14K1.73%
  • GW&K Investment Management, LLC
    432.44K1.63%
  • Vanguard Portfolio Management, LLC
    292.31K1.10%
  • Northern Trust Corp
    218.42K0.82%
  • Manufacturers Life Insurance Co
    206.76K0.78%
  • The Goldman Sachs Group Inc
    181.54K0.68%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    778.38K2.93%
  • Avantis US Small Cap Value ETF
    674.66K2.54%
  • iShares Russell 2000 ETF
    622.38K2.34%
  • Fidelity Small Cap Index
    265.51K1.00%
  • iShares Russell 2000 Value ETF
    232.46K0.87%
  • DFA US Small Cap Value I
    184.54K0.69%

Dividends

20263×
0.26Aug 18, 20260.25May 15, 20260.25Feb 12, 2026
20254×
0.25Nov 14, 20250.25Aug 15, 20250.24May 15, 20250.24Feb 13, 2025
20244×
0.24Nov 14, 20240.24Aug 16, 20240.23May 14, 20240.23Feb 15, 2024
20234×
0.23Nov 22, 20230.23Aug 11, 20230.23May 16, 20230.23Feb 14, 2023
20224×
0.23Nov 16, 20220.23Aug 17, 20220.22May 17, 20220.22Feb 9, 2022
20214×
0.22Nov 16, 20210.22Aug 17, 20210.20May 17, 20210.20Feb 18, 2021
20201×
0.41Nov 30, 2020

Stock Splits

  • Jul 2, 20073:2
  • Jul 19, 20043:2
  • Nov 19, 20013:2
  • Jun 6, 19972:1