First Mid Illinois Bancshares Inc (FMBH)

First Mid Bancshares, Inc. is a financial holding company with common stock listed on NASDAQ under the ticker FMBH. Through its banking operations, the company serves commercial, retail, and agricultural customers in the United States with a range of deposit products, including demand deposits, savings accounts, money market accounts, and time deposits. Its lending activities cover commercial real estate, commercial and industrial, agricultural and agricultural real estate, residential real estate, consumer, construction, land development, and municipal loans. The company also provides wealth management services such as estate planning, investment services, employee benefit services, farm management, and brokerage services. In addition, it offers insurance products for businesses and individuals. Founded in 1865 and headquartered in Mattoon, Illinois, First Mid Bancshares previously operated under the name First Mid-Illinois Bancshares, Inc., a name it changed in April 2019.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-FMBH
$44.28
-10.9% Downside
Fair
$56.36
13.4% Upside
Fair
Good
2.1%
October 22, 2026
13.2x
1.2x
3.6x
1.321 B
27.0%
90.5%
-1.8
24.5%
119.1%
Valuation • Fair Value

First Mid Illinois Bancshares Inc (NASDAQ-FMBH) Fair Value by Valuation Model

Review the available estimates for First Mid Illinois Bancshares Inc (NASDAQ-FMBH), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$44.28

Estimated downside of 10.9% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$41.82

Classic Ben Graham valuation formula reference.

DDM Fair Value

$41.81

Dividend discount model valuation reference.

Comps Fair Value

$45.94

Comparable-company valuation reference.

Analyst Price Target

$56.36

Analysts imply upside of 13.4%.

How to read these valuation models

Use the 6 available valuation references for First Mid Illinois Bancshares Inc (NASDAQ-FMBH) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for First Mid Illinois Bancshares Inc (NASDAQ-FMBH)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

373.4 M

Current operating scale indicator.

Revenue Forecast

316 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review First Mid Illinois Bancshares Inc (NASDAQ-FMBH) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for First Mid Illinois Bancshares Inc (NASDAQ-FMBH)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

4

Mid-range quality score.

Altman Z-Score

-1.8

Lower score that deserves closer risk review.

FCF / Net Income

119.1%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for First Mid Illinois Bancshares Inc (NASDAQ-FMBH). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for First Mid Illinois Bancshares Inc (NASDAQ-FMBH)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 22, 2026

Days to Earnings

16

Dividend Yield

2.1%

Current income yield reference.

Payout Ratio

24.5%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for First Mid Illinois Bancshares Inc (NASDAQ-FMBH), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

First Mid Illinois Bancshares Inc (NASDAQ-FMBH) Stock Forecast & Technical Outlook

Review First Mid Illinois Bancshares Inc (NASDAQ-FMBH) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for First Mid Illinois Bancshares Inc (NASDAQ-FMBH) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for First Mid Illinois Bancshares Inc (NASDAQ-FMBH) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for First Mid Illinois Bancshares Inc (NASDAQ-FMBH) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for First Mid Illinois Bancshares Inc (NASDAQ-FMBH) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for First Mid Illinois Bancshares Inc (NASDAQ-FMBH) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for First Mid Illinois Bancshares Inc (NASDAQ-FMBH)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, First Mid Illinois Bancshares Inc (NASDAQ-FMBH) has a Hold consensus, with 2 buy, 3 hold and 0 sell recommendations in the current data set.

Buy 2
Hold 3
Sell 0
FAQ • Fast Investor Answers

First Mid Illinois Bancshares Inc (NASDAQ-FMBH) Stock FAQ

Data-supported answers about First Mid Illinois Bancshares Inc (NASDAQ-FMBH), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$44.28
Estimated downside 10.9%
Valuation Rating
Overvalued
Estimated downside of 10.9%
Analyst Target
$56.36
Implied upside 13.4%
Financial Health
Good
Current financial-health read

The current fair value estimate for First Mid Illinois Bancshares Inc (NASDAQ-FMBH) is $44.28. This implies an estimated downside of 10.9% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 10.9% versus the current market price.

The available analyst price target for First Mid Illinois Bancshares Inc (NASDAQ-FMBH) is $56.36. The analyst target implies estimated upside of 13.4%.

The current financial health read for First Mid Illinois Bancshares Inc (NASDAQ-FMBH) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for First Mid Illinois Bancshares Inc (NASDAQ-FMBH) is October 22, 2026.

Based on the current data, dividend yield is 2.1%.

The current P/E ratio listed for First Mid Illinois Bancshares Inc (NASDAQ-FMBH) is 13.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for First Mid Illinois Bancshares Inc is 1.321 B.

The ticker symbol for First Mid Illinois Bancshares Inc is NASDAQ-FMBH, and the stock is listed on NASDAQ.

First Mid Illinois Bancshares Inc (NASDAQ-FMBH) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for First Mid Illinois Bancshares Inc is 27.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for First Mid Illinois Bancshares Inc is 90.5%. Free float helps investors understand how much of the share base is available for public trading.