Scan Results
Daily timeframeFirst Mid Bancshares, Inc., a financial holding company, provides community banking products and services to commercial, retail, and agricultural customers in the United States. With a market capitalization of $1.17B, it sits in small-cap territory. It accepts various deposit products, such as demand deposits, savings accounts, money market deposits, and time deposits.
Market Cap
$1.17B
Beta
0.79
P/E (TTM)
11.12
P/E (Fwd)
9.00
EPS (TTM)
$3.96
EPS (Fwd)
$4.89
ROE
9.8%
ROA
1.1%
Cash
$481.8M
Total Debt
$613.2M
Free CF
—
52W Change
25.2%
Annual Financials
Cash vs Debt
First Mid Bancshares, Inc. carries $613.2M in total debt against $481.8M in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 9.8% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.1% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $254.7M (2022) to $342.3M (2025), reflecting a 34% increase over the period.
As with any equity investment, FMBH carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence First Mid Bancshares, Inc.'s trajectory.