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Central Illinois community bank offering commercial and retail banking, plus insurance and wealth-management services.
Central Illinois community bank offering commercial and retail banking, plus insurance and wealth-management services.
Earns mainly from the spread between interest on loans and what it pays on deposits, with farm and farmland lending an important niche for a bank in Central Illinois, and from fees from its trust, farm-management and insurance units. Growth has come by buying other community banks in Illinois and nearby states.
Moat: narrow (scale, distribution). Established Central Illinois branch franchise with diversified insurance/wealth cross-sell.
Headquarters: Mattoon, Illinois, US · Founded: 1865 · Employees: 1,170
Size First Mid Bancshares (FMBH) is a United States Financials company (Regional Banks) with a market value of $1.35B, the 2064th largest of 3,117 United States companies the cockpit tracks. Shares closed at $50.61 on 6 Nov 2026.
Performance Over six months the shares gained 15.2%, against +7.6% for the median peer and -1.1% for the United States market (cap-weighted) — 6th highest of 21 in its peer set.
Growth Revenue grew 14.5% over the last twelve months (peer median +2.7%); the operating margin is 35.6% (peer median 41.3%).
Valuation It trades at 1.23× book value against a peer median of 1.23× (11th cheapest of 21).
Price implies The share price implies a return on equity of about 10.1%; First Mid Bancshares delivers 10.9%, so the price asks less than the business earns today.
Short interest Short interest is 2.9% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $531M | $466M | $453M | $385M | $290M |
| Revenue growth | — | +3% | +18% | +33% | — |
| Net income | $111M | $91.7M | $78.9M | $68.9M | $73.0M |
| Free cash flow | n/a | $124M | -$9.50M | $10.1M | -$2.66M |
| Capital expenditure | n/a | $6.85M | $4.95M | $3.64M | $5.02M |
| Total debt | $604M | $564M | $573M | $623M | $816M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| First Mid Bancshares FMBH | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% |
| First Busey BUSE | $2.33B | +8% | +17% | 10% | 1.03× | 8.8% |
| Midland States Bancorp MSBI | $660M | +12% | -21% | 10% | 1.57× | 11.0% |
| German American Bancorp GABC | $1.88B | +15% | +12% | 13% | 1.63× | 11.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | FMBH | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +2.8% | -1.7% | 7th highest of 21 |
| 6-month return | +15.2% | +7.6% | 6th highest of 21 |
| Return on equity | 10.9% | 12.4% | 9th lowest of 21 |
| Price / book | 1.23× | 1.23× | 11th cheapest of 21 |
| Trailing P/E | 11.7× | 10.8× | 8th most expensive of 21 |
| ROE the price implies | 10.1% | 9.9% | 11th least demanding of 21 |
| ROE delivered | 10.9% | 12.4% | 9th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| First Mid Bancshares FMBH | United States | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% | 10.9% |
| HBT Financial HBT | United States | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% | 13.2% |
| Westamerica Bancorporation WABC | United States | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% | 12.9% |
| Tamilnad Mercantile Bank TMB.NS | India | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% | 15.6% |
| Peoples Bancorp PEBO | United States | $1.39B | +12% | 0% | 10% | 1.13× | 8.5% | 10.0% |
| Jiangsu Zijin Rural Commercial Bank 601860.SS | China | $1.39B | -6% | -9% | 6% | 0.43× | 2.9% | 5.7% |
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| Burke Herbert Financial Services BHRB | United States | $1.41B | +10% | +14% | 10% | 1.23× | 7.1% | 10.5% |
| Karnataka Bank KTKBANK.NS | India | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% | 11.7% |
| Tompkins Financial TMP | United States | $1.43B | +16% | -15% | 21% | 1.52× | 11.5% | 20.9% |
| Jammu & Kashmir Bank J&KBANK.NS | India | $1.44B | -12% | +6% | 15% | 0.77× | 12.1% | 14.5% |
| CCI 7381.T | Japan | $1.44B | +7% | +49% | 7% | 0.83× | 4.1% | 7.1% |
| Community Trust Bancorp CTBI | United States | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% | 12.9% |
| Musashino Bank 8336.T | Japan | $1.47B | -3% | +31% | 6% | 0.82× | 6.0% | 5.8% |
| Amalgamated Financial AMAL | United States | $1.47B | +18% | +12% | 15% | 1.77× | 13.0% | 15.3% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |
| SJF Bank A/S SJF.CO | Denmark | $1.22B | +60% | -2% | 12% | 1.71× | 6.1% | 12.0% |
| Preferred Bank PFBC | United States | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% | 16.9% |
| Jiangsu Suzhou Rural Commercial Bank 603323.SS | China | $1.50B | -1% | -7% | 11% | 0.49× | 2.3% | 10.7% |
| Lakeland Financial LKFN | United States | $1.51B | -1% | +2% | 15% | 2.07× | 14.8% | 15.4% |
| Bank of Tianjin 1578.HK | Hong Kong | $1.52B | -22% | -4% | 5% | 0.14× | 3.3% | 5.2% |