First Mid Bancshares/$FMBH

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About First Mid Bancshares

First Mid Bancshares Inc is a United States based financial holding company. Through its wholly-owned subsidiary, First Mid Bank, it is engaged in the business of banking. The Company offers trust, farm services, investment services, and retirement planning through its wholly owned subsidiary, it also provides data processing services to affiliates and insurance products and services to customers through its subsidiary. The company's operations cover community banking, wealth management and insurance services. Key revenue is derived from the provision of community banking services.

Ticker

$FMBH
Sector
Primary listing

Employees

1,190

FMBH Metrics

BasicAdvanced
$899M
10.65
$3.52
0.88
$0.97
2.67%

What the Analysts think about FMBH

Analyst ratings (Buy, Hold, Sell) for First Mid Bancshares stock.

Bulls say / Bears say

KBRA reaffirmed FMBH's senior unsecured debt rating at BBB+ and deposit rating at A– with a stable outlook, citing the company's strong credit profile and sound risk management.
First Mid achieved a solid 1.2% return on assets in the first half of 2025, supported by a wider net interest margin and a focus on higher-yielding loans.
With a Common Equity Tier 1 ratio at 12.9% as of Q2 2025 and an average funding cost of just 1.64%, FMBH holds a strong capital and liquidity position, well placed to support growth and shareholder returns.
As a mid-sized regional bank, FMBH faces elevated deposit funding costs and sluggish loan growth, which have squeezed net interest income across the sector and are expected to pressure its profitability.
In the first quarter of 2025, FMBH's provision for credit losses increased to $1.7 million and net charge-offs rose to $1.8 million, suggesting potential weakening of asset quality amid broader economic uncertainty.
Rising stress in commercial real estate across U.S. regional banks has led to higher industry-wide allowances for credit losses—a trend that could result in further provisions for FMBH's CRE portfolio.
Data summarised monthly by Lightyear AI. Last updated on 29 Sept 2025.

FMBH Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

FMBH Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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