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FMBH

First Mid Bancshares, Inc.

Financial Services · $1.3B market cap

Verdict

Share price

$49.98

close of Oct 3, 2026

Fair value

$69.88

Sticker Price

Payback Price

$27.95

buy price

Undervalued

FMBH is Undervalued: at $49.98 it trades 28% below its fair value of $69.88. Its buy price (Payback Price) is $27.95, 44% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth16.7% a year✓
Equity per share growth5.9% a year✗
Sales growth12.1% a year✓
Free cash flow growth14.3% a year✓
Return on invested capital5.3%✗

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Insider activity

Since Jul 2, 2026: no open-market purchases and 5 other filings (stock awards, tax withholding and similar). Why purchases matter

Other filings

Cook Robert S

director · 2026-07-02

Award

$13K

McRae Eric S

EVP, Chief Lending Officer · 2026-07-02

Award

$4K

SMITH MATTHEW K

CEO & President · 2026-07-02

Award

$3K

Westerhold Mary

director · 2026-07-02

Award

$13K

Zimmer James Edwin

director · 2026-07-02

Award

$13K

About First Mid Bancshares, Inc.

First Mid Bancshares, Inc. (FMBH) functions as a financial holding company, delivering a broad spectrum of community banking solutions to commercial, retail, and agricultural clients throughout the United States. The institution facilitates various deposit accounts, including checking, savings, money market, and certificates of deposit. Its comprehensive lending suite encompasses financing for commercial real…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works