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FMBH 
First Mid Illinois Bancshares Inc (FMBH)
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Upturn Advisory Summary
10/31/2025: FMBH (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $44.29
1 Year Target Price $44.29
| 2 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.88% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 857.41M USD | Price to earnings Ratio 9.79 | 1Y Target Price 44.29 |
Price to earnings Ratio 9.79 | 1Y Target Price 44.29 | ||
Volume (30-day avg) 7 | Beta 0.88 | 52 Weeks Range 27.23 - 43.02 | Updated Date 11/2/2025 |
52 Weeks Range 27.23 - 43.02 | Updated Date 11/2/2025 | ||
Dividends yield (FY) 2.76% | Basic EPS (TTM) 3.65 |
Earnings Date
Report Date 2025-10-30 | When Before Market | Estimate 0.97 | Actual 0.97 |
Profitability
Profit Margin 26.03% | Operating Margin (TTM) 38.4% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 9.74% |
Valuation
Trailing PE 9.79 | Forward PE 12.05 | Enterprise Value 1129889792 | Price to Sales(TTM) 2.56 |
Enterprise Value 1129889792 | Price to Sales(TTM) 2.56 | ||
Enterprise Value to Revenue 3.79 | Enterprise Value to EBITDA - | Shares Outstanding 23996833 | Shares Floating 21563554 |
Shares Outstanding 23996833 | Shares Floating 21563554 | ||
Percent Insiders 10.15 | Percent Institutions 47.4 |
Upturn AI SWOT
First Mid Illinois Bancshares Inc
Company Overview
History and Background
First Mid Illinois Bancshares, Inc. was founded in 1865 as the First National Bank of Mattoon. Throughout its history, it has expanded through organic growth and acquisitions, evolving into a diversified financial services company serving Illinois, Missouri, Texas, and Indiana.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including lending, deposit accounts, and cash management solutions to businesses.
- Retail Banking: Offers retail banking services such as checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Provides wealth management services, including financial planning, investment management, trust and estate services, and insurance products.
- Agribusiness: Offers financial services tailored to agricultural businesses, including farm loans, equipment financing, and crop insurance.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other senior executives. The organizational structure is hierarchical, with distinct divisions for commercial banking, retail banking, wealth management and agribusiness.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans constitute a significant portion of First Mid's loan portfolio. Competitors include larger national banks and other regional banks. Market share is regionally focused.
- Mortgages: Mortgage lending is a key retail product. Competitors include national mortgage lenders and credit unions. Market share varies by region and fluctuates with interest rates.
- Wealth Management Services: Financial planning, investment management and trust services. Competitors include major investment firms like Fidelity and Vanguard. Local market share.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing competition, regulatory pressures, and technological advancements. Interest rate fluctuations and economic conditions significantly impact performance.
Positioning
First Mid is a regional bank with a strong presence in its core markets. It competes with larger national banks and smaller community banks, differentiating itself through personalized service and local market expertise.
Total Addressable Market (TAM)
The total addressable market includes all banking and wealth management services within First Mid's geographic footprint. First Mid aims to increase its market share through strategic acquisitions and organic growth. Expected TAM is several billion dollars across its service region.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Customer-centric approach
Weaknesses
- Limited geographic reach compared to national banks
- Reliance on regional economy
- Lower brand recognition outside core markets
- Less technological investment than larger competitors
Opportunities
- Strategic acquisitions
- Expansion into new markets
- Increased adoption of digital banking services
- Growing demand for wealth management services
Threats
- Economic downturn
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
Competitors and Market Share
Key Competitors
- PBCT
- CASH
- BANF
Competitive Landscape
First Mid competes with larger regional and national banks, as well as smaller community banks. Its competitive advantage lies in its personalized service and local market expertise. Disadvantages include limited geographic reach and lower brand recognition outside its core markets.
Major Acquisitions
Linco Banc Holdings
- Year: 2020
- Acquisition Price (USD millions): 72.6
- Strategic Rationale: Expanded First Mid's presence in the St. Louis metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: First Mid has historically grown through organic expansion and strategic acquisitions. This trajectory has allowed them to enhance their market presence and diversify their service offerings.
Future Projections: Future growth is projected to be driven by continued expansion into new markets, increased adoption of digital banking, and growth in wealth management services. Analyst estimates vary based on economic conditions and company performance.
Recent Initiatives: Recent initiatives include investments in technology to improve digital banking services, expansion into new geographic markets through acquisitions, and the introduction of new wealth management products.
Summary
First Mid Illinois Bancshares is a financially stable regional bank that leverages its strong local presence and diversified services. Strategic acquisitions and technology investments enhance its growth potential. Challenges include competition from larger banks and managing economic uncertainties. Overall, the bank shows solid growth potential within its regional footprint.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Yahoo Finance
- Company Filings
- MarketWatch
- SNL Financial
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data may be delayed. Past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Mid Illinois Bancshares Inc
Exchange NASDAQ | Headquaters Mattoon, IL, United States | ||
IPO Launch date 1999-03-16 | CEO & Chairman Mr. Joseph R. Dively | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1198 | Website https://www.firstmid.com |
Full time employees 1198 | Website https://www.firstmid.com | ||
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. It also offers wealth management services, which include estate planning and investment services to individuals; employee benefit services for businesses; and farm management and brokerage services. In addition, 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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