First Mid BancsharesFMBH -0.21%62 FCF Margin % is 24.23% as of Mar. 2026, which is 21% below its 10-year median of 30.53. GuruFocus rates FMBH with a GF Score™ of 62/100 and a GF Value™ of $38.98 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,504 Banks companies, First Mid Bancshares ranks better than 53.72% on this metric.
The historical rank and industry rank for First Mid Bancshares's FCF Margin % or its related term are showing as below:
FMBH'
s FCF Margin % Range Over the Past 10 Years
Min: 23.88 Med: 30.53 Max: 37.5
Current: 28.48
During the past 13 years, the highest FCF Margin % of First Mid Bancshares was 37.50%. The lowest was 23.88%. And the median was 30.53%.
FMBH's FCF Margin % is ranked better than 53.72% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs FMBH: 28.48
First Mid Bancshares FCF Margin % Related Terms
First Mid Bancshares FCF Margin % Historical Data
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The historical data trend for First Mid Bancshares's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Mid Bancshares's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Mid Bancshares FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Mid Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Mid Bancshares's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Mid Bancshares (FMBH) has a FCF Margin % of 24.23% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Mid Bancshares and its competitors. This is 21% below median its historical median of 30.53. Over the past decade, First Mid Bancshares' FCF Margin % has ranged from 23.88 to 37.50. According to the industry distribution chart, First Mid Bancshares ranks #696 out of 1504 companies in the Banks industry, placing it in the top 46.3%.
Is First Mid Bancshares' FCF Margin % too high?
First Mid Bancshares' current FCF Margin % of 24.23% is 21% below median its 10-year median of 30.53. Over the past 10 years, this metric has ranged from a low of 23.88 to a high of 37.50. The Banks industry median FCF Margin % is 26.50. First Mid Bancshares' value of 24.23% is 8.6% below this industry median. Based on the distribution chart, First Mid Bancshares ranks #696 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, First Mid Bancshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Mid Bancshares' FCF Margin % compare to AGBK and PFBC?
According to the Banks industry distribution chart, First Mid Bancshares ranks #696 out of 1504 companies for FCF Margin %. This puts First Mid Bancshares in the upper half of its industry. The industry median FCF Margin % is 26.50. First Mid Bancshares' value of 24.23% is 8.6% below this benchmark. Historically, First Mid Bancshares' own FCF Margin % has ranged from 23.88 to 37.50 over the past decade. While the company's 10-year median is 30.53 vs. the industry median of 26.50, First Mid Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Mid Bancshares's current FCF Margin % of 24.23% is 8.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Mid Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Mid Bancshares's current FCF Margin % is 24.23%, which is 21% below median its own 10-year median of 30.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Mid Bancshares stock overvalued right now?
Based on GuruFocus' analysis, First Mid Bancshares (FMBH) is currently considered Modestly Overvalued. The stock's GF Value™ is $38.98, compared to a current price of $47.54 — trading 22% above its estimated fair value. The current FCF Margin % is 24.23%, which is 21% below median its 10-year median of 30.53 and 8.6% below the Banks industry median of 26.50. First Mid Bancshares' overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Mid Bancshares (FMBH), the current FCF Margin % is 24.23% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Mid Bancshares (FMBH) Overvalued in 2026?
Based on GuruFocus' analysis, First Mid Bancshares stock appears to be overvalued.
The current stock price of $47.54 is trading 22% above its estimated GF Value™ of $38.98.
GuruFocus considers First Mid Bancshares to be Modestly Overvalued.
Key valuation signals for FMBH:
FCF Margin %: 24.23% (21% below median its 10-year median of 30.53)
GF Value™: $38.98 vs. price of $47.54 (22% above fair value)
Industry Position: 8.6% below the Banks median (#696 of 1504)
No single metric tells the full story. See the FMBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Mid Bancshares Inc is a United States based financial holding company. Through its wholly-owned subsidiary, First Mid Bank, it is engaged in the business of banking. The company offers trust, farm services, investment services, and retirement planning through its wholly owned subsidiary, it also provides data processing services to affiliates and insurance products and services to customers through its subsidiary. The company's operations cover community banking, wealth management and insurance services. Key revenue is derived from the provision of community banking services.
62GF Score
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