FM
FMBH.O
—
NASDAQ
Banks
First Mid Bancshares Inc
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
1,3B USD
P/E
—
EV / Rev
—
Div yield
191,56 %
Op margin
—
ROE
9,6 %
Net margin
—
Debt / equity
0,37
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
$51,16
Open
—
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
—
About
First Mid Bancshares Inc operates as a bank holding company providing financial services, generating revenue through net interest income and fee-based banking activities.
Business. First Mid Bancshares Inc (FMBH.O) is a bank holding company operating within the Financials sector and the Banks industry. The company is listed on the NASDAQ stock exchange. Specific details regarding its operating segments, headquarters location, and geographic mix are not provided in the available data.
Classification85 %
SectorFinancials
Industry groupBanks
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
At a glance
Score
—
not yet scored
Valuation
—
valuation pending
Analysts
—
not yet wired
Ownership→
American Century Investment Management, Inc.
largest disclosed fund holder
Profitability→
9,6 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to FMBH.O. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
First Mid Bancshares Inc (FMBH.O) is a bank holding company operating within the Financials sector and the Banks industry. The company is listed on the NASDAQ stock exchange. Specific details regarding its operating segments, headquarters location, and geographic mix are not provided in the available data.
Classification85 %
SectorFinancials
Industry groupBanks
AI synthesis
GENERATEDFirst Mid Bancshares maintains a conservative capital structure with total equity of $958.7 million against total liabilities of $7.01 billion. The debt-to-equity ratio stands at 0.37, indicating moderate leverage relative to equity. Long-term debt is recorded at $354.5 million, while operating cash flow of $130.9 million exceeds capital expenditures of $6.8 million, generating positive free cash flow. The company trades at a price-to-book ratio of 1.28 and a price-to-earnings ratio of 13.37, reflecting a modest premium to book value.
Profitability metrics show a return on equity of 9.57% and a return on assets of 1.15%. These returns are derived from a net income of $91.7 million on total assets of $7.97 billion. The company’s earnings power is supported by its asset base, though the ROA is typical for regional banking entities where asset turnover is low but interest margins drive profitability.
Revenue concentration data by segment or geography is not available in the current dataset. The company’s business model is centered on traditional banking activities, but specific exposure to regional economic cycles or customer segments cannot be quantified from the provided financial snapshot.
Growth trajectory analysis is limited by the absence of historical period data. The current financial snapshot provides a single-period view of net income and asset growth, but year-over-year revenue or earnings trends are not present to assess momentum.
Risk assessment indicates medium liquidity risk and low dilution risk. A key flag notes that net cash is negative after subtracting total debt, suggesting reliance on external funding or deposit stability to meet obligations. The dilution risk is low, with basic and diluted shares outstanding identical at 23.99 million, indicating no significant in-the-money options or convertible securities impacting share count.
Recent news observations indicate system-level reconciler events for coverage closure, with no specific corporate actions, filings, or transcript disclosures reported. Competitor context lists major national banks but provides no comparative metrics, limiting peer benchmarking to general industry standards.
Key takeaways
- First Mid Bancshares generates $91.7 million in net income with a 9.57% ROE, supported by a $7.97 billion asset base.
- The company trades at 1.28x book value and 13.37x earnings, with a conservative debt-to-equity ratio of 0.37.
- Operating cash flow of $130.9 million significantly exceeds capital expenditures of $6.8 million, ensuring strong internal liquidity generation.
- Dilution risk is low, as basic and diluted share counts are identical, indicating no immediate pressure from equity conversions.
- Liquidity risk is rated medium, with a key flag noting negative net cash after debt subtraction, highlighting reliance on deposit funding.
Bull / Bear case
Generated · model-assisted— missing data
In focus — financials by report
Valuation
Market price
$52,50
Market cap
$1.23B
Enterprise valueⓘ
$1.58B
P/Eⓘ
—
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
—
EV / OCFⓘ
12.1x
P / Bⓘ
1.3x
P / Tangible bookⓘ
1.3x
Tangible book
$958.7M
Net cashⓘ
-$354.5M
Current ratioⓘ
—
Debt / equityⓘ
0.4
ROAⓘ
1.1%
ROEⓘ
9.6%
Cash conversionⓘ
143.0%
CapEx / revenueⓘ
—
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution7 analysts
Strong buy0
Buy4
Hold3
Sell0
Strong sell0
12-month price target$54,36 · Median $54,00
Low $49,00High $62,50
Operating income · consensus167,4M USD
EPS surprise
−14,4 %
reported vs consensus · miss
Revenue surprise
−18,8 %
reported vs consensus · miss
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$49,00
Mean$54,36
Median$54,00
High$62,50
Spot$52,50
+3.5 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskMedium
Filing-based flags
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
ROE9,6 %Above median
D/E0,37Below median
Cash Conv1,43Above median
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Reference data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Enterprise Valuemarket_cap - net_cash
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
Source documents
- FIRST MID BANCSHARES, INC. Market data — financials · 2026-07-28
- reconciler_enqueue (reconciler) on FMBH.O · 2026-07-28
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,01 %$27M
- Investment Managers · as of 2026-03-310,01 %$45M
- Investment Managers · as of 2026-03-310,00 %$18M
- Investment Managers · as of 2026-03-310,00 %$5M
- Investment Managers · as of 2026-03-310,00 %$23M
- Investment Managers · as of 2024-06-300,00 %$61M
- Investment Managers · as of 2026-03-310,00 %$9M
- Investment Managers · as of 2026-03-310,00 %$7M
- Investment Managers · as of 2026-03-310,00 %$7M
- Investment Managers · as of 2026-03-310,00 %$1M
- Institutional Investor · as of 2026-03-310,00 %$4M
- Investment Managers · as of 2025-12-310,00 %$52M
- Investment Managers · as of 2026-03-310,00 %$22M
- Brokerage Firms · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2024-12-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$1M
- Institutional Investor · as of 2026-03-310,00 %$2M
- Brokerage Firms · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Funds · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Leadership
- Amanda D. LewisExecutive Vice President
- Clay M. DeanExecutive Vice President
- David HidenSenior Vice President
- Joe R. DivelyChairman of the Board, Chief Executive Officer
Insider activity
Net selling5 buys · 3 sellsnet -$423K18 insiders · last 365d
- Director · Common StockOther 270 @ $48,79$13K · 2026-07-02
- Director · Common StockOther 260 @ $48,79$13K · 2026-07-02
- Director · Common StockOther 273 @ $48,79$13K · 2026-07-02
- CEO & President · Common StockOther 66 @ $48,79$3K · 2026-07-02
- EVP, Chief Lending Officer · Common StockOther 87 @ $48,79$4K · 2026-07-02
- EVP, Chief Marketing Officer · Common StockOther 1 000 @ $43,94$44K · 2026-05-08
- President · Common StockOther 65 @ $41,15$3K · 2026-04-02
- Director · Common StockOther 320 @ $41,15$13K · 2026-04-02
- Director · Common StockOther 323 @ $41,15$13K · 2026-04-02
- EVP, Chief Lending Officer · Common StockOther 86 @ $41,15$4K · 2026-04-02
- Director · Common StockOther 308 @ $41,15$13K · 2026-04-02
- EVP Chief Retail Banking Ofc. · Common StockSold 430 @ $43,67$19K · 2026-02-20
- Director · Common StockBought 44 @ $43,73$2K · 2026-02-17
- Director · Common StockBought 53 @ $43,60$2K · 2026-02-17
- Director · Common StockBought 44 @ $43,72$2K · 2026-02-17
- Director · Common StockBought 38 @ $43,58$2K · 2026-02-17
- Director · Common StockBought 38 @ $43,67$2K · 2026-02-17
- EVP, CEO First Mid Wealth Mgmt · Common StockSold 6 000 @ $44,00$264K · 2026-02-04
- EVP, Chief Operations Officer · Common StockOther 2 920 @ $43,58$127K · 2026-02-02
- EVP Chief Retail Banking Ofc. · Common StockOther 2 420 @ $43,58$105K · 2026-02-02
- Chief Operating Officer · Common StockOther 3 850 @ $43,58$168K · 2026-02-02
- President · Common StockOther 4 950 @ $43,58$216K · 2026-02-02
- SVP, Director of Project Mgmt · Common StockOther 1 185 @ $43,58$52K · 2026-02-02
- EVP, CFO & Chief Risk Officer · Common StockOther 3 850 @ $43,58$168K · 2026-02-02
- EVP, Chief Lending Officer · Common StockOther 3 850 @ $43,58$168K · 2026-02-02
Short positioning
537.5Kshares short+1.0% vs prior
4.25days to cover
64.9%short of daily vol
21fails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
FMBH.OCanonical
NASDAQ · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskMedium
Net cash is negative after subtracting total debt.
Relationship graph
This companyPeerSector
Evidence & claims
From filings & derived data- Shares outstanding (annual): 23.99MUnknown
- Long-term debt (annual): USD 354.46MUnknown
- Operating cash flow (annual): USD 130.87MUnknown
- Net income (annual): USD 91.75MUnknown
- EPS (basic) (annual): USD-PER-SHARES 4Unknown
- Pre-tax income (annual): USD 117.05MUnknown
- Capex (annual): USD 6.85MUnknown
- Total liabilities (annual): USD 7.01BUnknown
- EPS (diluted) (annual): USD-PER-SHARES 4Unknown
- Shareholders' equity (annual): USD 958.69MUnknown
- Total assets (annual): USD 7.97BUnknown
- Operating cash flow (annual): USD 124.42MUnknown
- Shareholders' equity (annual): USD 846.39MUnknown
- EPS (basic) (annual): USD-PER-SHARES 3Unknown
- Capex (annual): USD 4.95MUnknown
- Shares outstanding (annual): 23.9MUnknown
- EPS (diluted) (annual): USD-PER-SHARES 3Unknown
- Net income (annual): USD 78.9MUnknown
- Total assets (annual): USD 7.52BUnknown
- Pre-tax income (annual): USD 104.4MUnknown
- Total liabilities (annual): USD 6.67BUnknown
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-07-23 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
2026-07-02INSIDERWesterhold Mary transacted 273 sh — Director ~$13k
2026-07-02INSIDERMcRae Eric S transacted 87 sh — EVP, Chief Lending Officer ~$4k
2026-07-02INSIDERCook Robert S transacted 270 sh — Director ~$13k
2026-07-02INSIDERZimmer James Edwin transacted 260 sh — Director ~$13k
2026-07-02INSIDERSMITH MATTHEW K transacted 66 sh — CEO & President ~$3k
2026-05-08 00:00 UTCINSIDER1 insider transaction — 2026-05
2026-05-08 00:00 UTCINSIDER1 insider transaction — 2026-05
2026-05-08INSIDERNelson Regina P transacted 1.0k sh — EVP, Chief Marketing Officer ~$44k
2026-04-02 00:00 UTCINSIDER5 insider transactions — 2026-04
2026-04-02 00:00 UTCINSIDER5 insider transactions — 2026-04
2026-04-02INSIDERMcRae Eric S transacted 86 sh — EVP, Chief Lending Officer ~$4k
2026-04-02INSIDERWesterhold Mary transacted 323 sh — Director ~$13k
2026-04-02INSIDERZimmer James Edwin transacted 308 sh — Director ~$13k
2026-04-02INSIDERSMITH MATTHEW K transacted 65 sh — President ~$3k
2026-04-02INSIDERCook Robert S transacted 320 sh — Director ~$13k
2026-02-20 00:00 UTCINSIDER22 insider transactions — 2026-02 · net buy $2.0M
2026-02-20 00:00 UTCINSIDER22 insider transactions — 2026-02 · net buy $2.0M
2026-02-20INSIDERWolak Stas R sold 430 sh — EVP Chief Retail Banking Ofc. ~$19k
2026-02-17INSIDERZimmer James Edwin bought 53 sh — Director ~$2k
2026-02-17INSIDERZimmer James Edwin bought 44 sh — Director ~$2k
2026-02-17INSIDERZimmer James Edwin bought 38 sh — Director ~$2k
2026-02-04INSIDERBeesley Bradley L sold 6.0k sh — EVP, CEO First Mid Wealth Mgmt ~$264k
2026-02-02INSIDERSMITH MATTHEW K transacted 5.0k sh — President ~$216k
2026-02-02INSIDERWolak Stas R transacted 2.4k sh — EVP Chief Retail Banking Ofc. ~$105k
2026-02-02INSIDERTAYLOR MICHAEL L transacted 3.9k sh — Chief Operating Officer ~$168k
2026-02-02INSIDERSchuetz Anya Y transacted 1.2k sh — SVP, Director of Project Mgmt ~$52k
2026-02-02INSIDERRead Jordan D. transacted 3.9k sh — EVP, CFO & Chief Risk Officer ~$168k
2026-02-02INSIDERMcRae Eric S transacted 3.9k sh — EVP, Chief Lending Officer ~$168k
Showing the 40 most recent of 45 entries.
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Reference data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
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