First Mid Bancshares, Inc.
NASDAQ•FMBH
CEO: Mr. Joseph R. Dively
セクター: Financial Services
業種: Banks - Regional
上場日: 1999-03-16
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, 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, investment, and farm management and brokerage services for 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.
連絡先情報
時価総額
$963.57M
PER (TTM)
10.6
14.1
配当利回り
2.4%
52週高値
$44.85
52週安値
$27.58
52週レンジ
順位38Top 36.9%
4.3
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.3 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$117.58M+2.99%
直近4四半期の推移
EPS
$0.99+23.75%
直近4四半期の推移
フリーCF
-$31.00M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
Net Income and Profitability Surge Net income reached $91.7M in 2025, up significantly from $78.9M in 2024, reflecting strong operational performance across business lines.
Tax-Effected NIM Expansion Tax-effected Net Interest Margin improved to 3.70% in 2025, driven by better loan yields, investment portfolio performance, and reduced funding costs.
Loan Portfolio Growth Continues Total loans increased 6.0% to $6.01B by year-end 2025, primarily fueled by organic growth efforts within the existing geographic footprint.
Strong Capital Adequacy Maintained Consolidated CET1 ratio was 13.16% and Total Capital ratio was 15.67% at year-end 2025, significantly exceeding minimum regulatory requirements.
リスク要因
Rising Credit Loss Provisioning Provision for credit losses rose to $9.9M in 2025, reflecting management's expectation of the industry returning to a normal credit cycle.
Interest Rate Sensitivity Exposure Static GAP analysis indicates liability sensitivity over the short term, potentially compressing net interest margin if interest rate environments shift adversely.
Operational and Cybersecurity Threats Reliance on complex IT systems and third-party providers creates ongoing risk of operational disruption, data breaches, and associated costs.
Concentration in Commercial Real Estate Significant loan concentrations exist in CRE and agricultural sectors; declines in these markets could materially impact credit loss experience.
見通し
Focus on Organic and Acquisition Growth Management plans growth via organic customer acquisition and cross-selling, supported by the anticipated closing of the Two Rivers Merger in early 2026.
Investment in Human Capital Company continues significant investment in talent development, offering tuition reimbursement and competitive total rewards to attract and retain key personnel.
Proactive Risk Management Stance Enterprise Risk Management framework actively monitors credit, interest rate, and liquidity risks, with ALCO directing balance sheet allocation monthly.
Regulatory Compliance Adaptation The firm is prepared for evolving regulatory requirements, including those related to ESG matters, by integrating practices into the ERM framework.
同業比較
売上高 (TTM)
$2.00B
$730.38M
$578.95M
粗利益率 (最新四半期)
88.8%
85.5%
83.2%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| TCBI | $4.19B | 13.0 | 9.3% | 3.0% |
| DCOM | $1.40B | 12.6 | 7.7% | 2.4% |
| AMAL | $1.13B | 11.0 | 13.7% | 1.1% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.1%
緩やかな成長
4四半期純利益CAGR
2.2%
収益性の緩やかな改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい
深度リサーチ
次回決算:2026年4月28日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
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データなし