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Upturn stock ratingUpturn stock rating
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First Mid Illinois Bancshares Inc (FMBH)

Upturn stock ratingUpturn stock rating
$37.49
Last Close (24-hour delay)
Profit since last BUY3.68%
upturn advisory
Consider higher Upturn Star rating
BUY since 35 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

06/30/2025: FMBH (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

7 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $42.29

1 Year Target Price $42.29

Analysts Price Target For last 52 week
$42.29Target price
Low$27.4
Current$37.49
high$43.3

Analysis of Past Performance

Type Stock
Historic Profit 3.76%
Avg. Invested days 36
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 899.35M USD
Price to earnings Ratio 11.12
1Y Target Price 42.29
Price to earnings Ratio 11.12
1Y Target Price 42.29
Volume (30-day avg) 7
Beta 0.85
52 Weeks Range 27.40 - 43.30
Updated Date 06/30/2025
52 Weeks Range 27.40 - 43.30
Updated Date 06/30/2025
Dividends yield (FY) 2.51%
Basic EPS (TTM) 3.37

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 25.04%
Operating Margin (TTM) 39.13%

Management Effectiveness

Return on Assets (TTM) 1.06%
Return on Equity (TTM) 9.65%

Valuation

Trailing PE 11.12
Forward PE 12.05
Enterprise Value 1229998464
Price to Sales(TTM) 2.8
Enterprise Value 1229998464
Price to Sales(TTM) 2.8
Enterprise Value to Revenue 3.82
Enterprise Value to EBITDA -
Shares Outstanding 23989000
Shares Floating 21532522
Shares Outstanding 23989000
Shares Floating 21532522
Percent Insiders 14.47
Percent Institutions 46.73

Analyst Ratings

Rating 3
Target Price 42.29
Buy 2
Strong Buy 2
Buy 2
Strong Buy 2
Hold 3
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

First Mid Illinois Bancshares Inc

stock logo

Company Overview

overview logo History and Background

First Mid Illinois Bancshares, Inc. was founded in 1865 as Paris Savings Bank. It has grown through organic expansion and acquisitions, evolving into a diversified financial services provider. It's headquartered in Mattoon, Illinois.

business area logo Core Business Areas

  • Community Banking: Provides a range of banking services including checking, savings, loans, and mortgages to individuals and businesses.
  • Wealth Management: Offers financial planning, investment management, trust services, and insurance products.
  • Commercial Banking: Provides lending and banking services to businesses, including commercial real estate loans, equipment financing, and treasury management.
  • Agribusiness: Specializes in providing financial services to agricultural businesses, including farm loans, crop insurance, and other agricultural-related products.

leadership logo Leadership and Structure

The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is a traditional hierarchical structure with regional and departmental divisions. Joe Dively is the current CEO.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans to businesses for various purposes, including expansion, working capital, and equipment. Competitors include regional and national banks.
  • Mortgage Loans: Loans to individuals for purchasing or refinancing real estate. Competitors include mortgage lenders, credit unions, and other banks.
  • Wealth Management Services: Includes financial planning, investment management, and trust services. Competitors include national brokerages, registered investment advisors (RIAs).
  • Agricultural Loans: Financing solutions to farmers and agribusinesses for land, equipment, and operating capital. Competitors include Farm Credit Services, other regional banks and agricultural lenders.

Market Dynamics

industry overview logo Industry Overview

The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Technology and fintech companies are also impacting the industry.

Positioning

First Mid Illinois Bancshares Inc. is a regional bank focused on community banking and wealth management. Its competitive advantages include strong local relationships and personalized service.

Total Addressable Market (TAM)

The TAM for banking services is significant, encompassing individuals and businesses requiring financial services. First Mid focuses on select regional markets, targeting small to medium-sized businesses and individuals. The TAM is multiple billions, depending on the region considered.

Upturn SWOT Analysis

Strengths

  • Strong local presence
  • Customer Relationships
  • Diversified Revenue Streams
  • Experienced Management Team

Weaknesses

  • Limited Geographic Reach
  • Reliance on Traditional Banking Model
  • Higher Overhead Cost compared to fintech companies

Opportunities

  • Expansion into new markets
  • Adoption of digital technologies
  • Growth in wealth management services
  • Acquisition of smaller banks

Threats

  • Increased competition from larger banks
  • Economic downturn
  • Regulatory changes
  • Cybersecurity threats

Competitors and Market Share

competitor logo Key Competitors

  • CASH
  • HFWA
  • MBWM

Competitive Landscape

First Mid competes primarily with other regional and community banks, as well as credit unions and larger financial institutions. Its focus on local relationships gives it an advantage in its core markets, but it faces challenges from larger competitors with greater resources.

Major Acquisitions

LINCO Bancshares, Inc.

  • Year: 2020
  • Acquisition Price (USD millions): 70
  • Strategic Rationale: Expanded First Mid's presence into the St. Louis metropolitan area and increased its assets.

Growth Trajectory and Initiatives

Historical Growth: Historical growth cannot be dynamically provided. Consult the investor relations site.

Future Projections: Future Projections cannot be dynamically provided. Consult analyst ratings and financial news reports.

Recent Initiatives: Recent Initiatives needs to be determined dynamically. Please refer to companyu2019s investor relations website for the most recent reports.

Summary

First Mid Illinois Bancshares Inc. is a stable regional bank with a strong community focus. Its diversified revenue streams and experienced management team are working well, but limited geographic reach and increased competition pose potential challenges. Expansion and adoption of digital technologies are opportunities for future growth. Economic downturns and regulatory changes are key risks to monitor.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Analyst Reports (FactSet, Bloomberg)

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Data is based on publicly available information and may not be entirely accurate or complete. Market share estimates are approximate.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Chairman, President & CEO Mr. Joseph R. Dively
Sector Financial Services
Industry Banks - Regional
Full time employees 1194
Full time employees 1194

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.