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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 1.86
FMBI's Cash to Debt is ranked higher than
54% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. FMBI: 1.86 )
Ranked among companies with meaningful Cash to Debt only.
FMBI' s 10-Year Cash to Debt Range
Min: 0.07  Med: 0.26 Max: 7.71
Current: 1.86
0.07
7.71
Equity to Asset 0.12
FMBI's Equity to Asset is ranked higher than
69% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FMBI: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
FMBI' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.15
Current: 0.12
0.07
0.15
Interest Coverage 4.37
FMBI's Interest Coverage is ranked higher than
76% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. FMBI: 4.37 )
Ranked among companies with meaningful Interest Coverage only.
FMBI' s 10-Year Interest Coverage Range
Min: 0.22  Med: 0.60 Max: 4.72
Current: 4.37
0.22
4.72
F-Score: 4
WACC vs ROIC
11.52%
10.03%
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 (%) 24.57
FMBI's Operating margin (%) is ranked lower than
63% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. FMBI: 24.57 )
Ranked among companies with meaningful Operating margin (%) only.
FMBI' s 10-Year Operating margin (%) Range
Min: -20.27  Med: 33.88 Max: 43.75
Current: 24.57
-20.27
43.75
Net-margin (%) 17.01
FMBI's Net-margin (%) is ranked lower than
65% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. FMBI: 17.01 )
Ranked among companies with meaningful Net-margin (%) only.
FMBI' s 10-Year Net-margin (%) Range
Min: -6.88  Med: 23.86 Max: 33.01
Current: 17.01
-6.88
33.01
ROE (%) 6.69
FMBI's ROE (%) is ranked lower than
60% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. FMBI: 6.69 )
Ranked among companies with meaningful ROE (%) only.
FMBI' s 10-Year ROE (%) Range
Min: -3.84  Med: 14.66 Max: 19.48
Current: 6.69
-3.84
19.48
ROA (%) 0.80
FMBI's ROA (%) is ranked lower than
52% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FMBI: 0.80 )
Ranked among companies with meaningful ROA (%) only.
FMBI' s 10-Year ROA (%) Range
Min: -0.32  Med: 1.32 Max: 1.61
Current: 0.8
-0.32
1.61
ROC (Joel Greenblatt) (%) 83.21
FMBI's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. FMBI: 83.21 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FMBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -63.09  Med: 29.12 Max: 154.01
Current: 83.21
-63.09
154.01
Revenue Growth (3Y)(%) 1.70
FMBI's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. FMBI: 1.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FMBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -12  Med: 1.70 Max: 8
Current: 1.7
-12
8
EBITDA Growth (3Y)(%) 31.00
FMBI's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FMBI: 31.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FMBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -31.2  Med: 5.70 Max: 31
Current: 31
-31.2
31
EPS Growth (3Y)(%) 38.50
FMBI's EPS Growth (3Y)(%) is ranked higher than
88% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. FMBI: 38.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FMBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -29.5  Med: 7.80 Max: 38.5
Current: 38.5
-29.5
38.5
» FMBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

FMBI Guru Trades in Q2 2014

Richard Pzena 1,932,666 sh (+84.57%)
Jim Simons Sold Out
David Dreman 223,027 sh (-2.05%)
Paul Tudor Jones 20,978 sh (-37.17%)
» More
Q3 2014

FMBI Guru Trades in Q3 2014

Paul Tudor Jones 31,500 sh (+50.16%)
David Dreman 225,970 sh (+1.32%)
Richard Pzena 1,920,691 sh (-0.62%)
» More
Q4 2014

FMBI Guru Trades in Q4 2014

Jim Simons 18,700 sh (New)
David Dreman 270,061 sh (+19.51%)
Richard Pzena 1,783,841 sh (-7.13%)
Paul Tudor Jones 13,800 sh (-56.19%)
» More
Q1 2015

FMBI Guru Trades in Q1 2015

David Dreman 292,718 sh (+8.39%)
Richard Pzena 1,720,823 sh (-3.53%)
Paul Tudor Jones 13,000 sh (-5.80%)
Jim Simons 16,000 sh (-14.44%)
» More
» Details

Insider Trades

Latest Guru Trades with FMBI

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

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Ratios

vs
industry
vs
history
P/E(ttm) 19.81
FMBI's P/E(ttm) is ranked lower than
75% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FMBI: 19.81 )
Ranked among companies with meaningful P/E(ttm) only.
FMBI' s 10-Year P/E(ttm) Range
Min: 7.02  Med: 16.42 Max: 34.61
Current: 19.81
7.02
34.61
Forward P/E 14.56
FMBI's Forward P/E is ranked lower than
73% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. FMBI: 14.56 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.70
FMBI's PE(NRI) is ranked lower than
75% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FMBI: 19.70 )
Ranked among companies with meaningful PE(NRI) only.
FMBI' s 10-Year PE(NRI) Range
Min: 7.01  Med: 16.49 Max: 99999999.99
Current: 19.7
7.01
99999999.99
P/B 1.28
FMBI's P/B is ranked lower than
66% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FMBI: 1.28 )
Ranked among companies with meaningful P/B only.
FMBI' s 10-Year P/B Range
Min: 0.43  Med: 1.21 Max: 3.32
Current: 1.28
0.43
3.32
P/S 3.36
FMBI's P/S is ranked lower than
58% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. FMBI: 3.36 )
Ranked among companies with meaningful P/S only.
FMBI' s 10-Year P/S Range
Min: 0.97  Med: 3.08 Max: 11.75
Current: 3.36
0.97
11.75
PFCF 11.60
FMBI's PFCF is ranked higher than
50% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. FMBI: 11.60 )
Ranked among companies with meaningful PFCF only.
FMBI' s 10-Year PFCF Range
Min: 1.96  Med: 8.73 Max: 28.72
Current: 11.6
1.96
28.72
POCF 10.42
FMBI's POCF is ranked lower than
53% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. FMBI: 10.42 )
Ranked among companies with meaningful POCF only.
FMBI' s 10-Year POCF Range
Min: 1.87  Med: 7.56 Max: 23.28
Current: 10.42
1.87
23.28
EV-to-EBIT 11.49
FMBI's EV-to-EBIT is ranked higher than
63% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. FMBI: 11.49 )
Ranked among companies with meaningful EV-to-EBIT only.
FMBI' s 10-Year EV-to-EBIT Range
Min: -29.2  Med: 11.30 Max: 418.9
Current: 11.49
-29.2
418.9
Shiller P/E 79.10
FMBI's Shiller P/E is ranked lower than
96% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. FMBI: 79.10 )
Ranked among companies with meaningful Shiller P/E only.
FMBI' s 10-Year Shiller P/E Range
Min: 3.22  Med: 16.96 Max: 342
Current: 79.1
3.22
342
Days Sales Outstanding 174.17
FMBI's Days Sales Outstanding is ranked lower than
85% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. FMBI: 174.17 )
Ranked among companies with meaningful Days Sales Outstanding only.
FMBI' s 10-Year Days Sales Outstanding Range
Min: 28.78  Med: 52.74 Max: 212
Current: 174.17
28.78
212

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.81
FMBI's Dividend Yield is ranked lower than
68% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FMBI: 1.81 )
Ranked among companies with meaningful Dividend Yield only.
FMBI' s 10-Year Dividend Yield Range
Min: 0.22  Med: 1.90 Max: 16.31
Current: 1.81
0.22
16.31
Dividend Payout 0.35
FMBI's Dividend Payout is ranked lower than
53% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FMBI: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
FMBI' s 10-Year Dividend Payout Range
Min: 0.05  Med: 0.40 Max: 1.36
Current: 0.35
0.05
1.36
Dividend growth (3y) 97.90
FMBI's Dividend growth (3y) is ranked higher than
98% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. FMBI: 97.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
FMBI' s 10-Year Dividend growth (3y) Range
Min: -67.8  Med: 10.00 Max: 97.9
Current: 97.9
-67.8
97.9
Yield on cost (5-Year) 14.24
FMBI's Yield on cost (5-Year) is ranked higher than
96% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. FMBI: 14.24 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FMBI' s 10-Year Yield on cost (5-Year) Range
Min: 1.72  Med: 14.87 Max: 127.61
Current: 14.24
1.72
127.61
Share Buyback Rate -0.50
FMBI's Share Buyback Rate is ranked higher than
66% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FMBI: -0.50 )
Ranked among companies with meaningful Share Buyback Rate only.
FMBI' s 10-Year Share Buyback Rate Range
Min: 3.4  Med: -0.50 Max: -14.7
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.87
FMBI's Price/Tangible Book is ranked lower than
80% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FMBI: 1.87 )
Ranked among companies with meaningful Price/Tangible Book only.
FMBI' s 10-Year Price/Tangible Book Range
Min: 0.8  Med: 2.47 Max: 4.67
Current: 1.87
0.8
4.67
Price/Projected FCF 0.65
FMBI's Price/Projected FCF is ranked higher than
54% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. FMBI: 0.65 )
Ranked among companies with meaningful Price/Projected FCF only.
FMBI' s 10-Year Price/Projected FCF Range
Min: 0.19  Med: 1.03 Max: 2.07
Current: 0.65
0.19
2.07
Price/Median PS Value 1.09
FMBI's Price/Median PS Value is ranked higher than
50% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FMBI: 1.09 )
Ranked among companies with meaningful Price/Median PS Value only.
FMBI' s 10-Year Price/Median PS Value Range
Min: 0.37  Med: 1.41 Max: 3.71
Current: 1.09
0.37
3.71
Price/Graham Number 1.30
FMBI's Price/Graham Number is ranked lower than
82% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FMBI: 1.30 )
Ranked among companies with meaningful Price/Graham Number only.
FMBI' s 10-Year Price/Graham Number Range
Min: 0.65  Med: 1.38 Max: 3.21
Current: 1.3
0.65
3.21
Earnings Yield (Greenblatt) (%) 8.70
FMBI's Earnings Yield (Greenblatt) (%) is ranked higher than
67% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FMBI: 8.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMBI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 5.00 Max: 168.4
Current: 8.7
0.2
168.4
Forward Rate of Return (Yacktman) (%) -15.11
FMBI's Forward Rate of Return (Yacktman) (%) is ranked lower than
88% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. FMBI: -15.11 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FMBI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -7.6  Med: 12.50 Max: 37.3
Current: -15.11
-7.6
37.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:FM6.Germany,
First Midwest Bancorp Inc is a Delaware corporation and bank holding company that was incorporated in 1982, began operations on March 31, 1983, and was formed through an exchange of common stock. The Company along with its subsidiary, First Midwest Bank provides commercial and retail banking, and wealth management services to commercial and industrial, commercial real estate, municipal, and consumer customers throughout the greater Chicago metropolitan area as well as northwest Indiana, central and western Illinois, and eastern Iowa through approximately 90 banking offices. It offers financial products and services including lending, depository, trust, investment management, insurance, and other related financial services tailored to the needs of its individual, business, institutional, and governmental customers. First Midwest offers a full range of deposit services that are typically available in commercial banks and financial institutions, including checking accounts, NOW accounts, money market accounts, savings accounts, and time deposits of various types, ranging from shorter-term to longer-term certificates of deposit. It originates commercial and industrial, agricultural, commercial real estate, and consumer loans. Substantially all of the Company's borrowers are businesses and residents in the Bank's service areas. The Company's lending portfolio includes customers in commercial real estate, followed by commercial and industrial. The Company's ability to maintain affordable funding sources allows the Bank to meet the credit needs of its customers and the communities it serves. It maintains a securities portfolio to provide the Company with financial stability, asset diversification, income, and collateral for borrowing. The Bank operates the following wholly-owned subsidiaries: First Midwest Securities Management, LLC is a Delaware limited liability company that manages investment securities; LIH Holdings, LLC is an Illinois limited liability company that holds an equity interest in a Section 8 housing venture; Synergy Property Holdings, LLC is an Illinois limited liability company that manages the majority of the Bank's OREO properties; and First Midwest Holdings, Inc. is a Delaware corporation that manages investment securities, principally municipal obligations, and provides corporate management services to its wholly owned subsidiary, FMB Investments Ltd., a Bermuda corporation. FMB Investments Ltd. manages investment securities and is largely inactive. The banking and financial services industry in the Chicago metropolitan area is highly competitive, and the Company expects it to remain so in the future. It faces competition from local and out of state institutions within its service areas and it expects to face increasing competition from on-line banking and financial institutions seeking to attract customers by providing access to services and products that mirror the services and products offered by traditional in
» More Articles for FMBI

Headlines

Articles On GuruFocus.com
First Midwest Bancorp, Inc. Announces Schedule for 2015 Second Quarter Earnings Release and Conferen Jul 01 2015 
First Midwest Bancorp, Inc. Announces Schedule for 2014 Fourth Quarter and Full Year Earnings Releas Jan 12 2015 
First Midwest Bancorp, Inc. Announces Commercial Banking Leadership Changes Dec 22 2014 
First Midwest Bancorp, Inc. Completes Its Acquisition of Great Lakes Bank Dec 08 2014 
First Midwest Bancorp, Inc. Announces Schedule for Third Quarter 2014 Earnings Release and Conferenc Oct 15 2014 
First Midwest Bancorp Inc. Reports Operating Results (10-K) Mar 01 2011 
Weekly CFO Buys Highlight: PVF Capital Corp., First Midwest Bancorp Inc., Bank of Hawaii Corp., Old Jan 31 2010 
Weekly CEO Buys Highlight: Supervalu Inc, First Midwest Bancorp Inc, Keithley Instruments Inc. Jan 24 2010 
First Midwest Bancorp Inc. (FMBI) CEO Michael L Scudder buys 1,818 Shares Jan 22 2010 
First Midwest Bancorp Inc. Reports Operating Results (10-Q) Nov 06 2009 

More From Other Websites
FIRST MIDWEST BANCORP INC Files SEC form 10-Q, Quarterly Report Jul 31 2015
Edited Transcript of FMBI earnings conference call or presentation 22-Jul-15 2:00pm GMT Jul 22 2015
FIRST MIDWEST BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition Jul 22 2015
First Midwest Bancorp, Inc. Announces 2015 Second Quarter Results Jul 21 2015
First Midwest Bancorp meets 2Q profit forecasts Jul 21 2015
First Midwest Bancorp meets 2Q profit forecasts Jul 21 2015
First Midwest Bancorp, Inc. Announces 2015 Second Quarter Results Jul 21 2015
Q2 2015 First Midwest Bancorp Inc Earnings Release - After Market Close Jul 21 2015
Michelle Y. Hoskins Joins First Midwest Bank as Executive Vice President and Chief Human Resources... Jul 09 2015
Michelle Y. Hoskins Joins First Midwest Bank as Executive Vice President and Chief Human Resources... Jul 09 2015
First Midwest Bancorp, Inc. Announces Schedule for 2015 Second Quarter Earnings Release and... Jul 07 2015
First Midwest Bancorp, Inc. Announces Schedule for 2015 Second Quarter Earnings Release and... Jul 01 2015
First Midwest Bank Names New Head of Treasury Management Jun 03 2015
First Midwest Bank Names New Head of Treasury Management Jun 03 2015
First Midwest Bank Names New Head of Private Banking Jun 03 2015
First Midwest Bank Names New Head of Private Banking Jun 03 2015
FIRST MIDWEST BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 27 2015
First Midwest Bancorp, Inc. Declares Second Quarter Cash Dividend of $0.09 per Share May 21 2015
First Midwest Bancorp, Inc. Declares Second Quarter Cash Dividend of $0.09 per Share May 21 2015
FIRST MIDWEST BANCORP INC Files SEC form 8-K, Regulation FD Disclosure May 20 2015

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