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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 1.60
FMBH's Cash to Debt is ranked higher than
77% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FMBH: 1.60 )
FMBH' s 10-Year Cash to Debt Range
Min: 0.22   Max: No Debt
Current: 1.6

Equity to Asset 0.10
FMBH's Equity to Asset is ranked higher than
71% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FMBH: 0.10 )
FMBH' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.11
Current: 0.1

0.08
0.11
Interest Coverage 6.67
FMBH's Interest Coverage is ranked higher than
94% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FMBH: 6.67 )
FMBH' s 10-Year Interest Coverage Range
Min: 0.34   Max: 6.67
Current: 6.67

0.34
6.67
F-Score: 5
Z-Score: 0.23
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 : 8/10

vs
industry
vs
history
Operating margin (%) 34.93
FMBH's Operating margin (%) is ranked higher than
83% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. FMBH: 34.93 )
FMBH' s 10-Year Operating margin (%) Range
Min: -249.62   Max: 35.71
Current: 34.93

-249.62
35.71
Net-margin (%) 21.87
FMBH's Net-margin (%) is ranked higher than
76% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. FMBH: 21.87 )
FMBH' s 10-Year Net-margin (%) Range
Min: 16.24   Max: 91.49
Current: 21.87

16.24
91.49
ROE (%) 9.80
FMBH's ROE (%) is ranked higher than
80% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. FMBH: 9.80 )
FMBH' s 10-Year ROE (%) Range
Min: 7.84   Max: 13.96
Current: 9.8

7.84
13.96
ROA (%) 0.96
FMBH's ROA (%) is ranked higher than
80% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FMBH: 0.96 )
FMBH' s 10-Year ROA (%) Range
Min: 0.68   Max: 1.2
Current: 0.96

0.68
1.2
ROC (Joel Greenblatt) (%) 85.88
FMBH's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. FMBH: 85.88 )
FMBH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -225.7   Max: 104.68
Current: 85.88

-225.7
104.68
Revenue Growth (3Y)(%) 9.70
FMBH's Revenue Growth (3Y)(%) is ranked higher than
91% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FMBH: 9.70 )
FMBH' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 72.4
Current: 9.7

0
72.4
EBITDA Growth (3Y)(%) 19.00
FMBH's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FMBH: 19.00 )
FMBH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 23
Current: 19

0
23
EPS Growth (3Y)(%) 17.40
FMBH's EPS Growth (3Y)(%) is ranked higher than
84% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FMBH: 17.40 )
FMBH' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.9   Max: 19.1
Current: 17.4

-16.9
19.1
» FMBH's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with FMBH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.90
FMBH's P/E(ttm) is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FMBH: 9.90 )
FMBH' s 10-Year P/E(ttm) Range
Min: 9.87   Max: 38.64
Current: 9.9

9.87
38.64
P/B 0.96
FMBH's P/B is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FMBH: 0.96 )
FMBH' s 10-Year P/B Range
Min: 0.96   Max: 5.23
Current: 0.96

0.96
5.23
P/S 1.99
FMBH's P/S is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FMBH: 1.99 )
FMBH' s 10-Year P/S Range
Min: 1.71   Max: 27.27
Current: 1.99

1.71
27.27
PFCF 6.46
FMBH's PFCF is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FMBH: 6.46 )
FMBH' s 10-Year PFCF Range
Min: 5.47   Max: 69.38
Current: 6.46

5.47
69.38
EV-to-EBIT 5.58
FMBH's EV-to-EBIT is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. FMBH: 5.58 )
FMBH' s 10-Year EV-to-EBIT Range
Min: -4.1   Max: 91
Current: 5.58

-4.1
91
PEG 0.59
FMBH's PEG is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FMBH: 0.59 )
FMBH' s 10-Year PEG Range
Min: 0.52   Max: 17.41
Current: 0.59

0.52
17.41
Shiller P/E 12.16
FMBH's Shiller P/E is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FMBH: 12.16 )
FMBH' s 10-Year Shiller P/E Range
Min: 10.26   Max: 50
Current: 12.16

10.26
50

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.09
FMBH's Dividend Yield is ranked higher than
60% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. FMBH: 3.09 )
FMBH' s 10-Year Dividend Yield Range
Min: 0.52   Max: 2.86
Current: 3.09

0.52
2.86
Dividend Payout 0.37
FMBH's Dividend Payout is ranked higher than
74% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FMBH: 0.37 )
FMBH' s 10-Year Dividend Payout Range
Min: 0.37   Max: 0.95
Current: 0.37

0.37
0.95
Dividend growth (3y) 6.60
FMBH's Dividend growth (3y) is ranked higher than
79% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. FMBH: 6.60 )
FMBH' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 14.5
Current: 6.6

0
14.5
Yield on cost (5-Year) 3.94
FMBH's Yield on cost (5-Year) is ranked higher than
65% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. FMBH: 3.94 )
FMBH' s 10-Year Yield on cost (5-Year) Range
Min: 0.66   Max: 3.66
Current: 3.94

0.66
3.66
Share Buyback Rate 0.90
FMBH's Share Buyback Rate is ranked higher than
92% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FMBH: 0.90 )
FMBH' s 10-Year Share Buyback Rate Range
Min: 3.7   Max: -30.7
Current: 0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.28
FMBH's Price/Tangible Book is ranked higher than
74% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. FMBH: 1.28 )
FMBH' s 10-Year Price/Tangible Book Range
Min: 1.45   Max: 6.87
Current: 1.28

1.45
6.87
Price/DCF (Projected) 0.47
FMBH's Price/DCF (Projected) is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. FMBH: 0.47 )
FMBH' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 5.2
Current: 0.47

0.39
5.2
Price/Median PS Value 0.73
FMBH's Price/Median PS Value is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FMBH: 0.73 )
FMBH' s 10-Year Price/Median PS Value Range
Min: 0.71   Max: 15.63
Current: 0.73

0.71
15.63
Price/Peter Lynch Fair Value 0.60
FMBH's Price/Peter Lynch Fair Value is ranked higher than
96% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FMBH: 0.60 )
FMBH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.57   Max: 6.53
Current: 0.6

0.57
6.53
Price/Graham Number 0.49
FMBH's Price/Graham Number is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FMBH: 0.49 )
FMBH' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 3.96
Current: 0.49

0.58
3.96
Earnings Yield (Greenblatt) 17.90
FMBH's Earnings Yield (Greenblatt) is ranked higher than
94% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FMBH: 17.90 )
FMBH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 129.7
Current: 17.9

1.1
129.7
Forward Rate of Return (Yacktman) 32.32
FMBH's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FMBH: 32.32 )
FMBH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -16.6   Max: 37.3
Current: 32.32

-16.6
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.
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Headlines

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