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Upturn AI Summary - About
First Mid Illinois Bancshares Inc(FMBH)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FMBH
11/10/2026: FMBH (2-star) has a low Upturn Star Rating. Not recommended to BUY.
First Mid Illinois Bancshares is a regional financial institution providing banking, wealth management, and insurance services. Its core strength lies in a deep-rooted Midwest community franchise and a diversified revenue model that includes non-interest income. The primary growth opportunity involves strategic, bolt-on acquisitions and digital enhancements to attract a broader customer base. Key risks include sensitivity to regional economic cycles, interest rate volatility, and competition from national financial players. The stock may suit value and dividend-focused investors seeking exposure to stable, community-oriented banking. Monitoring the company's ability to maintain loan quality while integrating growth initiatives is critical for long-term performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate, steady growth rather than aggressive capital appreciation. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and does not often show the rapid price trends favored by momentum strategies. |
| Value investor | Strong fit | The stock often trades at reasonable valuation multiples typical of regional banks. |
| Dividend investor | Strong fit | The consistent dividend payout makes it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | As a stable community-focused institution, it generally presents lower risk than volatile growth sectors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be sensitive to macroeconomic shifts. |
| Valuation risk | Low | The stock generally trades in line with sector peers. |
| Competition risk (banking) | Medium / high | Intense competition from larger banks and fintech impacts pricing power. |
| Business quality | Strong | The company maintains a solid, established franchise. |
| Dividend income | Medium | Dividends are reliable but not aggressive. |
| Execution risk | Medium | Successful integration of past and future acquisitions remains key. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 18.66% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/10/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.37B USD | Price to earnings Ratio 11.84 | 1Y Target Price 58.29 |
Price to earnings Ratio 11.84 | 1Y Target Price 58.29 | ||
Volume (30-day avg) 151.4K shares | Beta 0.79 | 52 Weeks Range 34.85 - 53.22 | Updated Date 11/09/2026 |
52 Weeks Range 34.85 - 53.22 | Updated Date 11/09/2026 | ||
Dividends yield (FY) 2.00% | Basic EPS (TTM) 4.35 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core profit engine, heavily influenced by interest rates. |
| Non-Interest Income | Trust fees, insurance commissions, and service charges. | Provides stable, fee-based revenue that helps offset interest rate volatility. |
Earnings Date
Report Date 2026-10-29 | When Before Market | Estimate 1.15 | Actual 1.26 |
Profitability
Profit Margin 28.17% | Operating Margin (TTM) 44.16% |
Management Effectiveness
Return on Assets (TTM) 1.29% | Return on Equity (TTM) 10.95% |
Valuation
Trailing PE 11.84 | Forward PE 10.24 | Enterprise Value 1.47B | Price to Sales(TTM) 3.48 |
Enterprise Value 1.47B | Price to Sales(TTM) 3.48 | ||
Enterprise Value to Revenue 4.49 | Enterprise Value to EBITDA - | Shares Outstanding 26.61M | Shares Floating 24.07M |
Shares Outstanding 26.61M | Shares Floating 24.07M | ||
Percent Insiders 9.84 | Percent Institutions 57.3 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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