First Mid BancsharesFMBH -0.01%63 5-Year Yield-on-Cost % is 2.47 as of Jul. 07, 2026, which is 13% below its 10-year median of 2.84. GuruFocus rates FMBH with a GF Score™ of 63/100 and a GF Value™ of $38.88 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,255 Banks companies, First Mid Bancshares ranks worse than 74.18% on this metric.
First Mid Bancshares's yield on cost for the quarter that ended in Mar. 2026 was 2.47.
The historical rank and industry rank for First Mid Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
FMBH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.37 Med: 2.84 Max: 4.81
Current: 2.47
During the past 13 years, First Mid Bancshares's highest Yield on Cost was 4.81. The lowest was 1.37. And the median was 2.84.
FMBH's 5-Year Yield-on-Cost % is ranked worse than 74.18% of 1255
companies
in the Banks industry
Industry Median: 3.9
vs FMBH: 2.47
First Mid Bancshares (NAS:FMBH) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
First Mid Bancshares 5-Year Yield-on-Cost % Related Terms
FMBH vs CTBI, PFBC, MCB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, First Mid Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, First Mid Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where First Mid Bancshares's 5-Year Yield-on-Cost % falls into.
First Mid Bancshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
First Mid Bancshares (FMBH) has a 5-Year Yield-on-Cost % of 2.47 as of Jul. 07, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Mid Bancshares and its competitors. This is 13% below median its historical median of 2.84. Over the past decade, First Mid Bancshares' 5-Year Yield-on-Cost % has ranged from 1.37 to 4.81. According to the industry distribution chart, First Mid Bancshares ranks #931 out of 1255 companies in the Banks industry, placing it in the top 74.2%.
Is First Mid Bancshares' 5-Year Yield-on-Cost % too high?
First Mid Bancshares' current 5-Year Yield-on-Cost % of 2.47 is 13% below median its 10-year median of 2.84. Over the past 10 years, this metric has ranged from a low of 1.37 to a high of 4.81. The Banks industry median 5-Year Yield-on-Cost % is 3.90. First Mid Bancshares' value of 2.47 is 36.7% below this industry median. Based on the distribution chart, First Mid Bancshares ranks #931 out of 1255 companies in the Banks industry, which is below the industry midpoint. Overall, First Mid Bancshares has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Mid Bancshares' 5-Year Yield-on-Cost % compare to CTBI and PFBC?
According to the Banks industry distribution chart, First Mid Bancshares ranks #931 out of 1255 companies for 5-Year Yield-on-Cost %. This places First Mid Bancshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.90. First Mid Bancshares' value of 2.47 is 36.7% below this benchmark. Historically, First Mid Bancshares' own 5-Year Yield-on-Cost % has ranged from 1.37 to 4.81 over the past decade. While the company's 10-year median is 2.84 vs. the industry median of 3.90, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.90, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Mid Bancshares's current 5-Year Yield-on-Cost % of 2.47 is 36.7% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Mid Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Mid Bancshares's current 5-Year Yield-on-Cost % is 2.47, which is 13% below median its own 10-year median of 2.84. 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 $38.88, compared to a current price of $48.70 — trading 25.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.47, which is 13% below median its 10-year median of 2.84 and 36.7% below the Banks industry median of 3.90. First Mid Bancshares' overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Mid Bancshares (FMBH), the current 5-Year Yield-on-Cost % is 2.47 as of Jul. 07, 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 $48.70 is trading 25.3% above its estimated GF Value™ of $38.88.
GuruFocus considers First Mid Bancshares to be Modestly Overvalued.
Key valuation signals for FMBH:
5-Year Yield-on-Cost %: 2.47 (13% below median its 10-year median of 2.84)
GF Value™: $38.88 vs. price of $48.70 (25.3% above fair value)
Industry Position: 36.7% below the Banks median (#931 of 1255)
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.
63GF Score
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