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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.41
FMBH's Cash to Debt is ranked lower than
56% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. FMBH: 1.41 )
Ranked among companies with meaningful Cash to Debt only.
FMBH' s Cash to Debt Range Over the Past 10 Years
Min: 0.22  Med: 0.86 Max: N/A
Current: 1.41
Equity to Asset 0.10
FMBH's Equity to Asset is ranked higher than
50% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FMBH: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
FMBH' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage 8.20
FMBH's Interest Coverage is ranked higher than
88% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FMBH: 8.20 )
Ranked among companies with meaningful Interest Coverage only.
FMBH' s Interest Coverage Range Over the Past 10 Years
Min: 0.54  Med: 1.67 Max: 8.2
Current: 8.2
0.54
8.2
F-Score: 3
M-Score: -2.47
WACC vs ROIC
0.84%
14.01%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 33.11
FMBH's Operating margin (%) is ranked higher than
56% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. FMBH: 33.11 )
Ranked among companies with meaningful Operating margin (%) only.
FMBH' s Operating margin (%) Range Over the Past 10 Years
Min: 24.62  Med: 33.03 Max: 35.38
Current: 33.11
24.62
35.38
Net-margin (%) 21.48
FMBH's Net-margin (%) is ranked lower than
53% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. FMBH: 21.48 )
Ranked among companies with meaningful Net-margin (%) only.
FMBH' s Net-margin (%) Range Over the Past 10 Years
Min: 16.24  Med: 20.95 Max: 22.63
Current: 21.48
16.24
22.63
ROE (%) 8.15
FMBH's ROE (%) is ranked lower than
52% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. FMBH: 8.15 )
Ranked among companies with meaningful ROE (%) only.
FMBH' s ROE (%) Range Over the Past 10 Years
Min: 5.84  Med: 6.97 Max: 13.52
Current: 8.15
5.84
13.52
ROA (%) 0.88
FMBH's ROA (%) is ranked higher than
50% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. FMBH: 0.88 )
Ranked among companies with meaningful ROA (%) only.
FMBH' s ROA (%) Range Over the Past 10 Years
Min: 0.68  Med: 0.92 Max: 1.09
Current: 0.88
0.68
1.09
Revenue Growth (3Y)(%) -9.50
FMBH's Revenue Growth (3Y)(%) is ranked lower than
88% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FMBH: -9.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FMBH' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.5  Med: 9.7 Max: 72.6
Current: -9.5
-9.5
72.6
EBITDA Growth (3Y)(%) -10.60
FMBH's EBITDA Growth (3Y)(%) is ranked lower than
85% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FMBH: -10.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FMBH' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.6  Med: 4.6 Max: 23
Current: -10.6
-10.6
23
EPS Growth (3Y)(%) 3.80
FMBH's EPS Growth (3Y)(%) is ranked lower than
61% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FMBH: 3.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FMBH' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -12  Med: 6.4 Max: 19.1
Current: 3.8
-12
19.1
» FMBH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Q3 2016

FMBH Guru Trades in Q3 2016

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:IBCP, NAS:TBK, NAS:ABTX, NAS:BMRC, NAS:PUB, NAS:ACBI, NAS:WTBA, NAS:NCBS, NAS:TBBK, NAS:OKSB, OTCPK:SBFC, NAS:NCOM, NAS:CCNE, NAS:HEOP, NAS:FBNK, NAS:PCBK, NAS:FISI, NAS:PGC, NAS:MBVT, NAS:COB » details
First Mid Illinois Bancshares is a financial holding Company, through its subsidiaries is engaged in the business of banking and insurance products and services. The Company also provides data processing services.

First Mid Illinois Bancshares incorporated on September 8, 1981, is a financial holding company. The Company is engaged in the business of banking through its wholly owned subsidiary, First Mid-Illinois Bank & Trust, N.A. ("First Mid Bank"). The Company provides data processing services to affiliates through another wholly owned subsidiary, Mid-Illinois Data Services, Inc. ("MIDS"). The Company offers insurance products and services to customers through its wholly owned subsidiary, The Checkley Agency, Inc. doing business as First Mid Insurance Group ("First Mid Insurance"). The Company also wholly owns two statutory business trusts, First Mid-Illinois Statutory Trust I ("Trust I"), and First Mid-Illinois Statutory Trust II ("Trust II"), both unconsolidated subsidiaries of the Company. The Company operates in three primary lines of business-community banking and wealth management through First Mid Bank and insurance brokerage through First Mid Insurance. Within the community banking line, the Company serves commercial, retail and agricultural customers with a broad array of deposit and loan related products. The wealth management line provides estate planning, investment and farm management services for individuals and employee benefit services for business enterprises. The insurance brokerage line provides commercial lines insurance to businesses as well as homeowner, automobile, health, life and other types of personal lines insurance to individuals. The Company has active competition in all areas in which First Mid Bank presently does business. First Mid Bank competes for commercial and individual deposits, loans, and trust business with many east central Illinois banks, savings and loan associations, and credit unions. Financial institutions, financial services companies, and its holding companies are regulated under federal and state law.

Ratios

vs
industry
vs
history
P/E(ttm) 15.03
FMBH's P/E(ttm) is ranked lower than
56% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. FMBH: 15.03 )
Ranked among companies with meaningful P/E(ttm) only.
FMBH' s P/E(ttm) Range Over the Past 10 Years
Min: 9.63  Med: 14.89 Max: 19.9
Current: 15.03
9.63
19.9
Forward P/E 14.53
FMBH's Forward P/E is ranked higher than
54% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. FMBH: 14.53 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.03
FMBH's PE(NRI) is ranked lower than
56% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. FMBH: 15.03 )
Ranked among companies with meaningful PE(NRI) only.
FMBH' s PE(NRI) Range Over the Past 10 Years
Min: 9.63  Med: 14.89 Max: 19.9
Current: 15.03
9.63
19.9
Price/Owner Earnings (ttm) 12.78
FMBH's Price/Owner Earnings (ttm) is ranked higher than
54% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. FMBH: 12.78 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FMBH' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.73  Med: 13.15 Max: 56.92
Current: 12.78
5.73
56.92
P/B 1.29
FMBH's P/B is ranked lower than
62% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FMBH: 1.29 )
Ranked among companies with meaningful P/B only.
FMBH' s P/B Range Over the Past 10 Years
Min: 0.91  Med: 1.28 Max: 3.34
Current: 1.29
0.91
3.34
P/S 3.19
FMBH's P/S is ranked higher than
50% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. FMBH: 3.19 )
Ranked among companies with meaningful P/S only.
FMBH' s P/S Range Over the Past 10 Years
Min: 1.71  Med: 2.36 Max: 18.16
Current: 3.19
1.71
18.16
PFCF 11.85
FMBH's PFCF is ranked higher than
50% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. FMBH: 11.85 )
Ranked among companies with meaningful PFCF only.
FMBH' s PFCF Range Over the Past 10 Years
Min: 5.46  Med: 11.77 Max: 50.51
Current: 11.85
5.46
50.51
POCF 11.47
FMBH's POCF is ranked lower than
55% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FMBH: 11.47 )
Ranked among companies with meaningful POCF only.
FMBH' s POCF Range Over the Past 10 Years
Min: 5.18  Med: 10.01 Max: 34.49
Current: 11.47
5.18
34.49
EV-to-EBIT 10.92
FMBH's EV-to-EBIT is ranked higher than
55% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. FMBH: 10.92 )
Ranked among companies with meaningful EV-to-EBIT only.
FMBH' s EV-to-EBIT Range Over the Past 10 Years
Min: -3.5  Med: 8.5 Max: 62.8
Current: 10.92
-3.5
62.8
EV-to-EBITDA 8.85
FMBH's EV-to-EBITDA is ranked higher than
60% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. FMBH: 8.85 )
Ranked among companies with meaningful EV-to-EBITDA only.
FMBH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.7  Med: 7.1 Max: 56.1
Current: 8.85
-2.7
56.1
PEG 10.86
FMBH's PEG is ranked lower than
94% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. FMBH: 10.86 )
Ranked among companies with meaningful PEG only.
FMBH' s PEG Range Over the Past 10 Years
Min: 0.55  Med: 1.14 Max: 39.88
Current: 10.86
0.55
39.88
Shiller P/E 17.87
FMBH's Shiller P/E is ranked higher than
59% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. FMBH: 17.87 )
Ranked among companies with meaningful Shiller P/E only.
FMBH' s Shiller P/E Range Over the Past 10 Years
Min: 11.21  Med: 13.79 Max: 19.57
Current: 17.87
11.21
19.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.56
FMBH's Dividend Yield is ranked lower than
76% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. FMBH: 1.56 )
Ranked among companies with meaningful Dividend Yield only.
FMBH' s Dividend Yield Range Over the Past 10 Years
Min: 1.19  Med: 2.04 Max: 3.09
Current: 1.56
1.19
3.09
Dividend Payout 0.30
FMBH's Dividend Payout is ranked higher than
56% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FMBH: 0.30 )
Ranked among companies with meaningful Dividend Payout only.
FMBH' s Dividend Payout Range Over the Past 10 Years
Min: 0.3  Med: 0.51 Max: 0.95
Current: 0.3
0.3
0.95
Dividend Growth (3y) 12.00
FMBH's Dividend Growth (3y) is ranked higher than
60% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. FMBH: 12.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FMBH' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 4.5 Max: 52
Current: 12
0
52
Forward Dividend Yield 1.05
FMBH's Forward Dividend Yield is ranked lower than
90% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. FMBH: 1.05 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.45
FMBH's Yield on cost (5-Year) is ranked lower than
66% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FMBH: 2.45 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FMBH' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.89  Med: 3.24 Max: 4.91
Current: 2.45
1.89
4.91
3-Year Average Share Buyback Ratio -12.30
FMBH's 3-Year Average Share Buyback Ratio is ranked lower than
79% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FMBH: -12.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FMBH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.3  Med: 1.2 Max: 4.1
Current: -12.3
-12.3
4.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.74
FMBH's Price/Tangible Book is ranked lower than
73% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FMBH: 1.74 )
Ranked among companies with meaningful Price/Tangible Book only.
FMBH' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.19  Med: 1.84 Max: 4.57
Current: 1.74
1.19
4.57
Price/Projected FCF 0.79
FMBH's Price/Projected FCF is ranked lower than
54% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. FMBH: 0.79 )
Ranked among companies with meaningful Price/Projected FCF only.
FMBH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.4  Med: 0.7 Max: 1.24
Current: 0.79
0.4
1.24
Price/Median PS Value 1.37
FMBH's Price/Median PS Value is ranked lower than
75% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FMBH: 1.37 )
Ranked among companies with meaningful Price/Median PS Value only.
FMBH' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.74  Med: 1.12 Max: 7.49
Current: 1.37
0.74
7.49
Price/Graham Number 1.08
FMBH's Price/Graham Number is ranked lower than
61% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. FMBH: 1.08 )
Ranked among companies with meaningful Price/Graham Number only.
FMBH' s Price/Graham Number Range Over the Past 10 Years
Min: 0.73  Med: 1.08 Max: 1.87
Current: 1.08
0.73
1.87
Earnings Yield (Greenblatt) (%) 9.13
FMBH's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FMBH: 9.13 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMBH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.6  Med: 11.7 Max: 122.9
Current: 9.13
1.6
122.9
Forward Rate of Return (Yacktman) (%) 4.46
FMBH's Forward Rate of Return (Yacktman) (%) is ranked lower than
70% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. FMBH: 4.46 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FMBH' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -8  Med: 16.7 Max: 32.1
Current: 4.46
-8
32.1

More Statistics

Revenue (TTM) (Mil) $91.68
EPS (TTM) $ 1.98
Beta-0.27
Short Percentage of Float2.37%
52-Week Range $22.62 - 33.53
Shares Outstanding (Mil)12.46

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.97 2.10
EPS w/o NRI ($) 1.97 2.10
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.62 0.66
» More Articles for FMBH

Headlines

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