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    First Mid Illinois Bancshares Inc (FMBH)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $49.29
    +0.57 (+1.17%)

    Market Cap: $1.30B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    72%(28/39)
    Avg Surprise
    +6.87%
    Streak
    3 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.15
    Range$1.12 - $1.18
    7 analysts
    EPS Revisions
    2
    0
    7d
    5
    2
    30d
    EPS Estimate DriftChange to current
    90d ago$1.13+1.9%
    60d ago$1.15+0.3%
    30d ago$1.15+0.3%
    7d ago$1.15+0.3%
    Current$1.15
    Revenue Consensus
    $81M
    Range$81M - $82M
    5 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.42
    Range$1.36 - $1.51
    7 analysts
    Revenue Consensus
    $84M
    Range$82M - $87M
    6 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.42---
    Sep 26EST
    		-$1.15---
    Jun 26
    Reported Jul 23
    		$1.26$1.12+12.50%Beat+27.3%
    Mar 26
    Reported Apr 29
    		$1.14$1.06+7.55%Beat+18.7%
    Dec 25
    Reported Jan 29
    		$1.06$1.06+0.00%Beat+21.8%
    Sep 25
    Reported Oct 30
    		$0.94$0.97-3.09%Miss+13.3%
    Jun 25
    Reported Jul 24
    		$0.99$0.92+7.61%Beat+17.9%
    Mar 25
    Reported Apr 30
    		$0.96$0.94+2.13%Beat+3.2%
    Dec 24
    Reported Feb 28
    		$0.87$0.84+3.57%Beat-7.4%
    Sep 24
    Reported Oct 31
    		$0.83$0.84-1.19%Miss+7.8%
    Jun 24
    Reported Aug 1
    		$0.84$0.79+6.33%Beat+1.2%
    Mar 24
    Reported Apr 24
    		$0.93$0.85+9.41%Beat-3.1%
    Dec 23
    Reported Feb 27
    		$0.94$0.84+11.90%Beat-6.9%
    Sep 23
    Reported Oct 26
    		$0.77$0.67+14.93%Beat-14.4%
    Jun 23
    Reported Jul 27
    		$0.83$0.76+9.21%Beat-7.8%
    Mar 23
    Reported Apr 26
    		$0.96$0.86+11.63%Beat+0.0%
    Dec 22
    Reported Mar 3
    		$1.01$0.95+6.32%Beat+7.4%
    Sep 22
    Reported Oct 27
    		$0.90$0.94-4.26%Miss-16.7%
    Jun 22
    Reported Jul 28
    		$0.90$0.92-2.17%Miss-8.2%
    Mar 22
    Reported Apr 27
    		$0.96$0.86+11.63%Beat+9.1%
    Dec 21
    Reported Jan 27
    		$0.94$0.96-2.08%Miss+13.3%
    Sep 21
    Reported Oct 28
    		$1.08$0.91+18.68%Beat+56.5%
    Jun 21
    Reported Jul 29
    		$0.98$0.86+13.95%Beat+63.3%
    Mar 21
    Reported Apr 28
    		$0.88$0.51+72.55%Beat+46.7%
    Dec 20
    Reported Mar 8
    		$0.83$0.73+13.70%Beat+15.3%
    Sep 20
    Reported Oct 29
    		$0.69$0.62+11.29%Beat-1.4%
    Jun 20
    Reported Jul 30
    		$0.60$0.45+33.33%Beat-21.1%
    Mar 20
    Reported Apr 30
    		$0.60$0.63-4.76%Miss-25.9%
    Dec 19
    Reported Mar 6
    		$0.72$0.70+2.86%Beat+7.5%
    Sep 19
    Reported Oct 24
    		$0.70$0.71-1.41%Miss+29.6%
    Jun 19
    Reported Jul 25
    		$0.76$0.73+4.11%Beat+5.6%
    Mar 19
    Reported Apr 24
    		$0.81$0.72+12.50%Beat+22.7%
    Dec 18
    Reported Mar 5
    		$0.67$0.73-8.22%Miss+39.6%
    Sep 18
    Reported Oct 25
    		$0.54$0.67-19.40%Miss-11.5%
    Jun 18
    Reported Jul 26
    		$0.72$0.65+10.77%Beat+9.1%
    Mar 18
    Reported Apr 25
    		$0.66$0.64+3.13%Beat+32.0%
    Dec 17
    Reported Mar 2
    		$0.48$0.59-18.64%Miss-12.7%
    Sep 17
    Reported Oct 26
    		$0.61$0.60+1.67%Beat-
    Jun 17
    Reported Jul 27
    		$0.66$0.56+17.86%Beat-
    Mar 17
    Reported May 10
    		$0.50$0.52-3.85%Miss-
    Dec 16
    Reported Mar 3
    		$0.55$0.52+5.77%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.11%
    Forward Annual Dividend$1.04
    Payout Ratio26.80%
    FrequencyQuarterly
    Pay MonthsFeb, Jun, Sep, Dec

    Growth

    3Y CAGR+2.88%
    5Y CAGR+3.88%
    FMBH dividend history and ex-dividend datesRun FMBH in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.20EV/EBITDA11.46x
    Price/FCF10.98xFCF Yield9.11%
    Profitability
    Profit Margin26.90%Operating Margin38.80%
    ROE10.10%ROIC6.37%
    Financial Health
    Debt/Equity0.43xInterest Coverage1.04x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.80Avg Volume152.22K
    52-Week High$53.0952-Week Low$33.36

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$49.18
    SMA 20$49.24
    SMA 50$50.17
    SMA 200$45.22
    EMA 10$49.11
    EMA 20$49.35
    EMA 50$49.52
    EMA 200$45.81

    MACD

    Line: -0.32Signal: -0.32Hist: 0.01

    ADX

    ADX: 19.1+DI: 24.6-DI: 24.8

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down60.0
    PSAR$50.46

    Bollinger Bands

    Upper Band$50.11
    Lower Band$48.37
    %B Position352%(Upper)
    Band Width0.53

    RSI (14-Day)

    Neutral
    48.2

    Momentum Oscillators

    Stoch %K40.4
    Stoch %D38.7
    Williams %R-46.7
    ROC (10d)0.0%
    Momentum0.01
    CCI (20d)9.8
    MFI (14d)40.9

    Volatility Measures

    ATR (14d)$0.95(1.9%)
    StdDev (20d)0.43
    Hist Vol15.6%(Low)

    Volume Flow

    VWAP$49.34
    OBV3.4M
    AD Line-22.4M
    CMF (20d)-0.121

    Volume Metrics

    Avg Vol (20d)158.0K
    Vol Ratio0.9x
    VWMA (20d)$49.31

    Pivot Points

    R3$50.37
    R2$49.72
    R1$49.22
    Pivot Point$48.56
    S1$48.06
    S2$47.41
    S3$46.91

    Advanced Oscillators

    TSI-11.63
    Ultimate Osc43.7
    KST-24.28

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$108.49M$97.23M$88.22M$89.27M$87.46M$84.27M$85.31M$80.57M$79.19M$79.95M$79.23M$73.50M
    Cost of RevenueN/A$29.84M$31.71M$61.91M$32.10M$29.80M$34.53M$34.91M$33.00M$31.84M$33.02M$35.91M
    Gross ProfitN/A$70.78M$85.87M$60.41M$83.75M$80.79M$79.63M$77.43M$76.82M$79.11M$77.35M$65.83M
    Operating Expenses$70.63M$60.73M$55.87M$57.15M$54.76M$54.47M$56.30M$53.93M$51.39M$53.36M$57.02M$47.10M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$7.46M$30.00M$28.77M$30.13M$28.15M$25.37M$25.37M$26.71M$26.94M$21.65M$20.49M
    Interest Income$114.88M$100.62M$95.89M$96.14M$93.40M$87.56M$89.84M$91.18M$88.68M$87.67M$89.93M$80.44M
    Interest Expense$35.23M$29.84M$29.36M$29.77M$29.54M$28.15M$30.89M$33.64M$31.92M$32.20M$32.47M$30.00M
    Income Before Tax$36.32M$33.90M$30.00M$28.77M$30.13M$28.15M$25.37M$25.37M$26.71M$26.94M$21.65M$20.49M
    Income Tax Expense$8.53M$7.58M$6.32M$6.31M$6.69M$5.98M$6.21M$5.88M$6.97M$6.44M$3.58M$5.37M
    Net Income$27.79M$26.33M$23.68M$22.46M$23.44M$22.17M$19.17M$19.48M$19.75M$20.50M$18.07M$15.12M
    EBITDA$42.03M$39.26M$34.91M$33.77M$34.99M$33.15M$30.52M$30.65M$31.72M$32.28M$26.59M$23.59M
    EBIT$36.32M$33.90M$30.00M$28.77M$30.13M$28.15M$25.37M$25.37M$26.71M$26.94M$21.65M$20.49M
    * Some calculated fields are derived from available data when not provided by source

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    News

    FMBH Q3'26 Earnings: revenue estimate is 108.47M USD

    First Mid Bancshares, Inc. (FMBH) is scheduled to release its Q3'26 earnings on October 22nd. The company anticipates reporting a revenue of $108.47 million and earnings per share of $1.14 for the quarter. This article...

    TradingView•10/15/26•Neutral

    Form 4 First Mid Bancshares Inc For: 11 October By Investing.com

    This article from Investing.com reports on a Form 4 filing by First Mid Bancshares Inc (FMBH) for October 11th. It provides no further details about the filing but includes general market information and links to other...

    Investing.com Canada•10/12/26•Neutral

    Form 4 First Mid Bancshares Inc For: 11 October By Investing.com

    This article reports on a Form 4 filing for First Mid Bancshares Inc. on October 11, 2026. Form 4 filings disclose changes in beneficial ownership of a company's securities by insiders. The article provides the title...

    Investing.com South Africa•10/11/26•Neutral

    Form 4 First Mid Bancshares Inc For: 11 October By Investing.com

    This article announces the filing of a Form 4 for First Mid Bancshares Inc. on October 11, 2026. Form 4 filings are regulatory documents used to disclose changes in beneficial ownership of a company's securities by...

    Investing.com Nigeria•10/11/26•Neutral

    Price-Driven Insight from (FMBH) for Rule-Based Strategy

    Stock Traders Daily provides a price-driven analysis for First Mid Bancshares Inc. (NASDAQ: FMBH), highlighting weak near-term sentiment despite long-term strength. The analysis identifies a significant risk-reward setup...

    Stock Traders Daily•10/11/26•Somewhat-Bullish

    FMBH Valuation and Fair Value

    P/E
    11.2x
    Forward P/E
    12.1x
    EV/EBITDA
    11.5x
    P/FCF
    11.0x
    PEG
    1.3x
    P/B
    1.2x
    See GNG's fair value

    FMBH Profitability: Margins, ROIC and FCF

    Operating margin
    38.8%
    Net margin
    26.9%
    ROIC
    6.4%
    ROE
    10.1%
    FCF margin
    31.2%
    FCF yield
    9.1%

    FMBH Competitors

    CompanyTicker
    Universal Insurance Holdings IncUVE
    ProAssurance CorporationPRA
    Hercules Capital, Inc.HCXY
    Peoples Bancorp IncPEBO
    Community Trust Bancorp IncCTBI
    ConnectOne Bancorp, Inc.CNOBP
    Westamerica BancorporationWABC
    Hbt Financial IncHBT

    Sector: Financial Services

    FMBH Analyst Ratings

    Consensus
    Buy
    Analysts
    7
    Strong Buy
    2
    Buy
    2
    Hold
    3
    Sell
    0
    Strong Sell
    0

    FMBH Bull Case vs Bear Case

    Bull case

    • FMBH converts 31.2% of revenue into free cash flow.
    • FMBH has a 26.9% net profit margin.
    • FMBH grew quarterly revenue 26.0% year over year.

    FMBH Earnings: Beat Rate and Next Report

    Beat rate
    5 of 8 quarters (62.5%)
    Average surprise
    3.6%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.15
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    5 up, 2 down

    FMBH Dividend

    Forward yield
    2.1%
    Payout ratio
    26.8%
    3Y DPS growth
    2.9%
    5Y DPS growth
    3.9%
    Pay months
    Feb, Jun, Sep, Dec
    FMBH dividend history

    Frequently Asked Questions About FMBH

    What is FMBH's current dividend yield?

    First Mid Illinois Bancshares Inc (FMBH) has a forward dividend yield of 2.11%.

    Does FMBH pay dividends?

    Yes, First Mid Illinois Bancshares Inc pays dividends with a forward dividend yield of 2.11%.

    What is FMBH's P/E ratio?

    First Mid Illinois Bancshares Inc has a price-to-earnings (P/E) ratio of 11.20.

    What is FMBH's market cap?

    First Mid Illinois Bancshares Inc (FMBH) has a market capitalization of $1.30B with a current stock price of $49.29.

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