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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 1.17
FMBH's Cash to Debt is ranked lower than
54% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. FMBH: 1.17 )
Ranked among companies with meaningful Cash to Debt only.
FMBH' s 10-Year Cash to Debt Range
Min: 0.22  Med: 0.75 Max: N/A
Current: 1.17
Equity to Asset 0.11
FMBH's Equity to Asset is ranked higher than
61% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FMBH: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
FMBH' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.09 Max: 0.11
Current: 0.11
0.08
0.11
Interest Coverage 7.60
FMBH's Interest Coverage is ranked higher than
88% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. FMBH: 7.60 )
Ranked among companies with meaningful Interest Coverage only.
FMBH' s 10-Year Interest Coverage Range
Min: 0.34  Med: 1.16 Max: 7.6
Current: 7.6
0.34
7.6
F-Score: 5
WACC vs ROIC
2.85%
11.30%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 36.04
FMBH's Operating margin (%) is ranked higher than
65% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. FMBH: 36.04 )
Ranked among companies with meaningful Operating margin (%) only.
FMBH' s 10-Year Operating margin (%) Range
Min: -249.62  Med: 28.60 Max: 35.71
Current: 36.04
-249.62
35.71
Net-margin (%) 22.63
FMBH's Net-margin (%) is ranked higher than
53% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. FMBH: 22.63 )
Ranked among companies with meaningful Net-margin (%) only.
FMBH' s 10-Year Net-margin (%) Range
Min: 16.24  Med: 21.83 Max: 91.49
Current: 22.63
16.24
91.49
ROE (%) 7.59
FMBH's ROE (%) is ranked lower than
54% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. FMBH: 7.59 )
Ranked among companies with meaningful ROE (%) only.
FMBH' s 10-Year ROE (%) Range
Min: 5.84  Med: 10.71 Max: 13.96
Current: 7.59
5.84
13.96
ROA (%) 0.99
FMBH's ROA (%) is ranked higher than
61% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FMBH: 0.99 )
Ranked among companies with meaningful ROA (%) only.
FMBH' s 10-Year ROA (%) Range
Min: 0.68  Med: 0.93 Max: 1.2
Current: 0.99
0.68
1.2
ROC (Joel Greenblatt) (%) 91.62
FMBH's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.67 vs. FMBH: 91.62 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FMBH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -208.25  Med: 67.32 Max: 104.68
Current: 91.62
-208.25
104.68
Revenue Growth (3Y)(%) -7.60
FMBH's Revenue Growth (3Y)(%) is ranked lower than
83% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. FMBH: -7.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FMBH' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 9.00 Max: 72.4
Current: -7.6
0
72.4
EBITDA Growth (3Y)(%) -3.80
FMBH's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. FMBH: -3.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FMBH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 23
Current: -3.8
0
23
EPS Growth (3Y)(%) 1.50
FMBH's EPS Growth (3Y)(%) is ranked lower than
68% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. FMBH: 1.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FMBH' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.9  Med: 5.50 Max: 19.1
Current: 1.5
-16.9
19.1
» FMBH's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.20
FMBH's P/E(ttm) is ranked higher than
62% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. FMBH: 12.20 )
Ranked among companies with meaningful P/E(ttm) only.
FMBH' s 10-Year P/E(ttm) Range
Min: 10.19  Med: 16.15 Max: 20.34
Current: 12.2
10.19
20.34
Forward P/E 9.77
FMBH's Forward P/E is ranked higher than
71% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. FMBH: 9.77 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.90
FMBH's PE(NRI) is ranked lower than
54% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. FMBH: 14.90 )
Ranked among companies with meaningful PE(NRI) only.
FMBH' s 10-Year PE(NRI) Range
Min: 10.53  Med: 16.12 Max: 20.4
Current: 14.9
10.53
20.4
P/B 1.07
FMBH's P/B is ranked higher than
53% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FMBH: 1.07 )
Ranked among companies with meaningful P/B only.
FMBH' s 10-Year P/B Range
Min: 0.91  Med: 1.36 Max: 3.35
Current: 1.07
0.91
3.35
P/S 2.62
FMBH's P/S is ranked higher than
58% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. FMBH: 2.62 )
Ranked among companies with meaningful P/S only.
FMBH' s 10-Year P/S Range
Min: 1.71  Med: 2.36 Max: 18.18
Current: 2.62
1.71
18.18
PFCF 7.80
FMBH's PFCF is ranked higher than
63% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. FMBH: 7.80 )
Ranked among companies with meaningful PFCF only.
FMBH' s 10-Year PFCF Range
Min: 5.47  Med: 14.85 Max: 69.38
Current: 7.8
5.47
69.38
POCF 7.43
FMBH's POCF is ranked higher than
60% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. FMBH: 7.43 )
Ranked among companies with meaningful POCF only.
FMBH' s 10-Year POCF Range
Min: 5.18  Med: 11.78 Max: 41.08
Current: 7.43
5.18
41.08
EV-to-EBIT 6.86
FMBH's EV-to-EBIT is ranked higher than
83% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. FMBH: 6.86 )
Ranked among companies with meaningful EV-to-EBIT only.
FMBH' s 10-Year EV-to-EBIT Range
Min: -4.1  Med: 11.15 Max: 65
Current: 6.86
-4.1
65
PEG 1.48
FMBH's PEG is ranked lower than
61% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FMBH: 1.48 )
Ranked among companies with meaningful PEG only.
FMBH' s 10-Year PEG Range
Min: 0.52  Med: 0.95 Max: 11.61
Current: 1.48
0.52
11.61
Shiller P/E 14.62
FMBH's Shiller P/E is ranked higher than
61% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. FMBH: 14.62 )
Ranked among companies with meaningful Shiller P/E only.
FMBH' s 10-Year Shiller P/E Range
Min: 10.19  Med: 15.31 Max: 26.54
Current: 14.62
10.19
26.54
Days Sales Outstanding 31.23
FMBH's Days Sales Outstanding is ranked higher than
54% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. FMBH: 31.23 )
Ranked among companies with meaningful Days Sales Outstanding only.
FMBH' s 10-Year Days Sales Outstanding Range
Min: 34.85  Med: 57.15 Max: 385.88
Current: 31.23
34.85
385.88

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.64
FMBH's Dividend Yield is ranked higher than
51% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FMBH: 2.64 )
Ranked among companies with meaningful Dividend Yield only.
FMBH' s 10-Year Dividend Yield Range
Min: 1.05  Med: 1.86 Max: 3.09
Current: 2.64
1.05
3.09
Dividend Payout 0.40
FMBH's Dividend Payout is ranked lower than
61% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FMBH: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
FMBH' s 10-Year Dividend Payout Range
Min: 0.37  Med: 0.50 Max: 0.95
Current: 0.4
0.37
0.95
Dividend growth (3y) 11.20
FMBH's Dividend growth (3y) is ranked higher than
61% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FMBH: 11.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
FMBH' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 1.70 Max: 14.5
Current: 11.2
0
14.5
Yield on cost (5-Year) 3.75
FMBH's Yield on cost (5-Year) is ranked higher than
60% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. FMBH: 3.75 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FMBH' s 10-Year Yield on cost (5-Year) Range
Min: 1.49  Med: 2.63 Max: 4.39
Current: 3.75
1.49
4.39
Share Buyback Rate -11.40
FMBH's Share Buyback Rate is ranked lower than
79% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FMBH: -11.40 )
Ranked among companies with meaningful Share Buyback Rate only.
FMBH' s 10-Year Share Buyback Rate Range
Min: 3.7  Med: 1.00 Max: -30.7
Current: -11.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.33
FMBH's Price/Tangible Book is ranked lower than
59% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FMBH: 1.33 )
Ranked among companies with meaningful Price/Tangible Book only.
FMBH' s 10-Year Price/Tangible Book Range
Min: 1.19  Med: 1.87 Max: 4.57
Current: 1.33
1.19
4.57
Price/Projected FCF 0.59
FMBH's Price/Projected FCF is ranked higher than
61% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. FMBH: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
FMBH' s 10-Year Price/Projected FCF Range
Min: 0.39  Med: 0.74 Max: 2.31
Current: 0.59
0.39
2.31
Price/Median PS Value 1.11
FMBH's Price/Median PS Value is ranked lower than
53% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FMBH: 1.11 )
Ranked among companies with meaningful Price/Median PS Value only.
FMBH' s 10-Year Price/Median PS Value Range
Min: 0.74  Med: 1.07 Max: 7.62
Current: 1.11
0.74
7.62
Price/Peter Lynch Fair Value 1.28
FMBH's Price/Peter Lynch Fair Value is ranked lower than
67% of the 336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. FMBH: 1.28 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FMBH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.57  Med: 1.04 Max: 3.35
Current: 1.28
0.57
3.35
Price/Graham Number 0.68
FMBH's Price/Graham Number is ranked higher than
69% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FMBH: 0.68 )
Ranked among companies with meaningful Price/Graham Number only.
FMBH' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 0.91 Max: 2.25
Current: 0.68
0.58
2.25
Earnings Yield (Greenblatt) (%) 14.60
FMBH's Earnings Yield (Greenblatt) (%) is ranked higher than
85% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FMBH: 14.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMBH' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.5  Med: 8.80 Max: 129.7
Current: 14.6
1.5
129.7
Forward Rate of Return (Yacktman) (%) 23.07
FMBH's Forward Rate of Return (Yacktman) (%) is ranked higher than
69% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. FMBH: 23.07 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FMBH' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -15.1  Med: 17.50 Max: 37.3
Current: 23.07
-15.1
37.3

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
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 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.
» More Articles for FMBH

Headlines

Articles On GuruFocus.com
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