First Mid Illinois Bancshares Inc (FMBH) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Mid Illinois Bancshares Inc stock (FMBH) is currently trading at $40.56. First Mid Illinois Bancshares Inc PE ratio is 10.30. First Mid Illinois Bancshares Inc PS ratio (Price-to-Sales) is 3.10. Analyst consensus price target for FMBH is $48.00. WallStSmart rates FMBH as Moderate Buy.
- FMBH PE ratio analysis and historical PE chart
- FMBH PS ratio (Price-to-Sales) history and trend
- FMBH intrinsic value — DCF, Graham Number, EPV models
- FMBH stock price prediction 2025 2026 2027 2028 2029 2030
- FMBH fair value vs current price
- FMBH insider transactions and insider buying
- Is FMBH undervalued or overvalued?
- First Mid Illinois Bancshares Inc financial analysis — revenue, earnings, cash flow
- FMBH Piotroski F-Score and Altman Z-Score
- FMBH analyst price target and Smart Rating
First Mid Illinois Bancshares Inc
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FMBH Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Mid Illinois Bancshares Inc (FMBH)
FMBH trades at a significant discount to its Graham intrinsic value of $171.89, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Mid Illinois Bancshares Inc (FMBH) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
First Mid Illinois Bancshares Inc (FMBH) Key Strengths (5)
Keeps $40 of every $100 in revenue after operating costs
Keeps $27 of every $100 in revenue as net profit
Good growth relative to its price
Trading at 1.10x book value, attractively priced
Strong earnings growth at 23.80% per year
Supporting Valuation Data
First Mid Illinois Bancshares Inc (FMBH) Areas to Watch (5)
Modest revenue growth at 5.10%
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.10x sales
Moderate institutional interest at 44.76%
First Mid Illinois Bancshares Inc (FMBH) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.8/10) while 5 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, PEG Ratio. Valuation metrics including PEG Ratio (1.27), Price/Book (1.10) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 39.60%, Profit Margin at 27.00%. Growth metrics are encouraging with EPS Growth at 23.80%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (3.10) suggest expensive pricing. Growth concerns include Revenue Growth at 5.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 5.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FMBH Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FMBH's Price-to-Sales ratio of 3.10x trades at a deep discount to its historical average of 7.42x (3th percentile). The current valuation is 79% below its historical high of 14.58x set in Feb 2007, and 9% above its historical low of 2.84x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Mid Illinois Bancshares Inc (FMBH) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Mid Illinois Bancshares Inc is a mature, profitable business with steady cash generation. Revenue reached 339M with 5% growth year-over-year. Profit margins are strong at 27.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1020.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 27.0% and operating margin of 39.6% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 247.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Mid Illinois Bancshares Inc.
Bottom Line
First Mid Illinois Bancshares Inc is a well-established business delivering consistent profitability with 27.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(35 last 3 months)
| Insider | Type | Shares |
|---|---|---|
BEESLEY, BRADLEY L EVP, CEO First Mid Wealth Mgmt | Sell | -6,000 |
Data sourced from SEC Form 4 filings
Last updated: 8:28:29 AM
About First Mid Illinois Bancshares Inc(FMBH)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Mid Bancshares, Inc., a financial holding company, provides community banking products and services to commercial, retail and agricultural clients in the United States. The company is headquartered in Mattoon, Illinois.