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FMBH 
First Mid Illinois Bancshares Inc (FMBH)
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Upturn Advisory Summary
01/07/2026: FMBH (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $46
1 Year Target Price $46
| 2 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 6.23% | Avg. Invested days 42 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 01/07/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 939.26M USD | Price to earnings Ratio 10.78 | 1Y Target Price 46 |
Price to earnings Ratio 10.78 | 1Y Target Price 46 | ||
Volume (30-day avg) 7 | Beta 0.9 | 52 Weeks Range 27.04 - 42.85 | Updated Date 01/7/2026 |
52 Weeks Range 27.04 - 42.85 | Updated Date 01/7/2026 | ||
Dividends yield (FY) 2.46% | Basic EPS (TTM) 3.63 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 10.78 | Forward PE 12.05 | Enterprise Value 1224572032 | Price to Sales(TTM) 2.8 |
Enterprise Value 1224572032 | Price to Sales(TTM) 2.8 | ||
Enterprise Value to Revenue 3.85 | Enterprise Value to EBITDA - | Shares Outstanding 23986299 | Shares Floating 21515435 |
Shares Outstanding 23986299 | Shares Floating 21515435 | ||
Percent Insiders 10.65 | Percent Institutions 47.96 |
Upturn AI SWOT
First Mid Illinois Bancshares Inc
Company Overview
History and Background
First Mid Illinois Bancshares, Inc. (FMBI) was founded in 1881 as the First National Bank of Effingham. Over the decades, it has grown through a combination of organic expansion and strategic acquisitions, evolving into a diversified financial services company. It rebranded to First Mid Illinois Bancshares in 1994 and has continued to expand its footprint across Illinois and Missouri.
Core Business Areas
- Community Banking: Offers a comprehensive suite of deposit and loan products to individuals and businesses. This includes checking accounts, savings accounts, money market accounts, certificates of deposit, commercial loans, agricultural loans, real estate loans, and consumer loans.
- Wealth Management: Provides investment advisory services, trust services, retirement planning, and estate planning through its subsidiary, First Mid Wealth Management. They manage assets for individuals and institutions.
- Insurance Services: Offers a range of insurance products through its subsidiary, First Mid Insurance Group, including property and casualty, life, and health insurance for both personal and commercial clients.
Leadership and Structure
First Mid Illinois Bancshares, Inc. is led by a Board of Directors and a senior executive management team. Key leadership positions typically include a CEO, President, Chief Financial Officer, Chief Operating Officer, and heads of various business segments. The company operates through a network of branches and employs a regional management structure.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Core deposit products offering liquidity and interest-earning opportunities. Competitors include national banks, regional banks, and credit unions. Market share data for specific deposit products at this granular level is typically not publicly disclosed by individual banks.
- Commercial and Real Estate Loans: Key lending products for businesses and individuals. Competitors include other regional and community banks, as well as specialized lending institutions. Market share is highly localized and not readily available publicly at the product level.
- Investment Advisory Services: Services provided by First Mid Wealth Management. Competitors include independent financial advisors, brokerage firms, and other bank-affiliated wealth management divisions. Specific market share for this segment is not publicly detailed.
Market Dynamics
Industry Overview
The US banking industry is highly competitive and regulated. Key trends include digital transformation, increasing demand for personalized financial advice, consolidation through mergers and acquisitions, and evolving customer expectations for seamless online and mobile banking experiences. Interest rate fluctuations significantly impact profitability.
Positioning
First Mid Illinois Bancshares, Inc. is positioned as a community-focused bank with a strong regional presence in Illinois and Missouri. Its competitive advantages lie in its long-standing customer relationships, personalized service, and a deep understanding of the local markets it serves. It competes with larger national banks by offering more tailored solutions and a more intimate banking experience.
Total Addressable Market (TAM)
The TAM for community banking services is vast, encompassing all individuals and businesses requiring deposit, lending, and financial advisory services within its geographic footprint. While a precise TAM for First Mid is difficult to quantify without defining specific product and geography parameters, it operates within a multi-trillion dollar US banking market. First Mid's positioning is within the regional and community banking segment of this TAM.
Upturn SWOT Analysis
Strengths
- Strong regional brand recognition and long-standing customer loyalty.
- Diversified revenue streams from banking, wealth management, and insurance.
- Experienced management team with deep knowledge of local markets.
- Solid capital position and regulatory compliance.
- Branch network providing physical touchpoints for customer service.
Weaknesses
- Limited geographic diversification compared to larger national banks.
- Potential challenges in keeping pace with rapid technological advancements by fintech competitors.
- Reliance on interest rate margins for a significant portion of revenue.
- Smaller scale may limit competitive pricing power on some products.
Opportunities
- Expansion into adjacent geographic markets through strategic acquisitions or de novo branching.
- Growth in wealth management and insurance services as customer needs diversify.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Cross-selling opportunities across its various business segments.
- Economic growth in its operating regions.
Threats
- Intensifying competition from larger banks, credit unions, and fintech companies.
- Changes in interest rate environments impacting net interest margins.
- Increasing regulatory compliance costs and burdens.
- Cybersecurity risks and data breaches.
- Economic downturns impacting loan demand and credit quality.
Competitors and Market Share
Key Competitors
- Hometown Bancorp Ltd (HMTX)
- Associated Banc-Corp (ASB)
- First Bancorp (FBNC)
Competitive Landscape
First Mid Illinois Bancshares, Inc. faces competition from larger national banks with extensive resources, other regional banks, and numerous community banks in its operating areas. Its advantage lies in its localized focus and personalized customer service, which can be differentiating factors. However, it may struggle to match the scale, technological investment, and product breadth of its larger competitors.
Major Acquisitions
State Bank of Lincoln
- Year: 2022
- Acquisition Price (USD millions): 76.1
- Strategic Rationale: The acquisition of State Bank of Lincoln expanded First Mid's branch network and deposit base in Illinois, strengthening its presence in key markets and providing opportunities for cross-selling.
Community Bancshares, Inc.
- Year: 2017
- Acquisition Price (USD millions): 24.6
- Strategic Rationale: This acquisition broadened First Mid's footprint in Missouri, adding new branches and a solid customer base, supporting its strategic growth objectives in that state.
Growth Trajectory and Initiatives
Historical Growth: First Mid Illinois Bancshares, Inc. has demonstrated a history of steady growth, often driven by a combination of organic expansion within its core markets and strategic acquisitions that have broadened its geographic reach and service offerings.
Future Projections: Analyst estimates for future growth would typically focus on projected earnings per share (EPS) growth, revenue growth, and asset growth. These projections are based on company guidance, industry trends, and macroeconomic factors.
Recent Initiatives: Recent initiatives might include the integration of acquired entities, investment in digital banking technologies, expansion of wealth management services, or new product launches designed to meet evolving customer needs.
Summary
First Mid Illinois Bancshares, Inc. is a well-established community bank with a diversified business model. Its strengths lie in its loyal customer base, regional expertise, and integrated financial services. However, it faces intense competition and the need for continuous technological investment to keep pace. Strategic acquisitions have been key to its growth, and continued focus on personalized service and digital enhancements will be crucial for future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (SEC)
- Financial Data Aggregators (e.g., Yahoo Finance, Bloomberg)
- Industry Research Reports
- Company Press Releases
Disclaimers:
This JSON output is generated based on publicly available information and AI analysis. It is for informational purposes only and does not constitute financial advice. Financial data is subject to change and may vary depending on the source and reporting period. Users should conduct their own due diligence before making any investment decisions.
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 1178 | Website https://www.firstmid.com |
Full time employees 1178 | 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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