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First Mid Bancshares (FMBH) Financials

First Mid Bancshares logo
$43.66 +0.60 (+1.39%)
Closing price 04:00 PM Eastern
Extended Trading
$43.62 -0.03 (-0.08%)
As of 04:10 PM Eastern
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Annual Income Statements for First Mid Bancshares

Annual Income Statements for First Mid Bancshares

This table shows First Mid Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 14 21 27 37 48 45 51 73 69 79 92
Consolidated Net Income / (Loss)		 17 22 27 37 48 45 51 73 69 79 92
Net Income / (Loss) Continuing Operations		 17 22 27 37 48 45 51 73 69 79 92
Total Pre-Tax Income 		26 34 42 49 63 60 67 91 88 104 117
Total Revenue		 76 98 123 147 182 187 238 259 280 325 349
Net Interest Income / (Expense)		 56 71 93 112 126 127 168 184 193 229 256
Total Interest Income		 59 75 100 125 150 144 183 216 300 357 373
Loans and Leases Interest Income		 48 62 83 106 127 127 160 186 262 320 339
Investment Securities Interest Income		 11 13 16 18 21 17 23 29 32 29 29
Deposits and Money Market Investments Interest Income		 0.24 0.49 0.34 0.55 1.84 0.36 0.41 0.53 5.21 8.04 5.41
Federal Funds Sold and Securities Borrowed Interest Income		 0.00 0.04 0.06 0.01 0.01 0.00 0.00 0.11 0.42 0.05 0.00
Total Interest Expense		 3.50 4.29 6.48 13 24 17 15 32 107 129 117
Deposits Interest Expense		 2.28 2.71 4.00 8.57 19 13 9.04 19 77 107 98
Long-Term Debt Interest Expense		 1.16 1.48 2.31 3.48 4.18 3.46 5.99 11 23 15 14
Federal Funds Purchased and Securities Sold Interest Expense		 0.06 0.10 0.18 0.33 0.91 0.49 0.23 1.80 6.57 6.45 4.49
Total Non-Interest Income		 21 27 30 35 56 60 70 75 87 96 93
Trust Fees by Commissions		 5.06 5.43 - - - 16 20 22 21 23 23
Other Service Charges		 15 12 14 16 28 35 46 49 55 69 63
Net Realized & Unrealized Capital Gains on Investments		 0.45 1.19 0.62 0.90 0.80 1.11 0.12 0.03 3.38 -0.43 -2.51
Other Non-Interest Income		 0.00 1.84 8.73 11 19 6.81 3.04 3.56 7.24 4.73 9.14
Provision for Credit Losses		 1.32 2.83 7.46 8.67 6.43 16 15 4.81 6.10 5.64 9.92
Total Non-Interest Expense		 49 62 74 90 112 111 156 163 186 215 222
Salaries and Employee Benefits		 26 32 40 47 63 66 90 99 105 124 135
Net Occupancy & Equipment Expense		 9.14 11 13 15 18 17 22 24 27 30 37
Marketing Expense		 1.09 1.85 1.36 1.79 2.03 1.62 3.60 3.00 3.01 3.42 3.35
Property & Liability Insurance Claims		 0.90 0.97 0.91 1.06 0.22 1.31 1.60 1.81 3.34 3.46 3.48
Other Operating Expenses		 11 13 17 23 24 20 34 29 38 40 32
Amortization Expense		 0.89 1.91 2.15 3.22 5.85 5.06 5.39 6.29 9.13 14 12
Income Tax Expense		 9.22 12 15 12 15 14 15 18 19 25 25
Basic Earnings per Share		 $1.84 $2.07 $2.13 $2.53 $2.88 $2.71 $2.88 $3.62 $3.17 $3.31 $3.84
Weighted Average Basic Shares Outstanding		 7.78M 10.15M 12.53M 14.50M 16.60M 18.04M 20.44M 20.50M 23.89M 23.98M 24.08M
Diluted Earnings per Share		 $1.81 $2.05 $2.13 $2.52 $2.87 $2.70 $2.87 $3.60 $3.15 $3.30 $3.83
Weighted Average Diluted Shares Outstanding		 7.78M 10.15M 12.53M 14.50M 16.60M 18.04M 20.44M 20.50M 23.89M 23.98M 24.08M
Weighted Average Basic & Diluted Shares Outstanding		 7.78M 10.15M 12.53M 14.50M 16.60M 18.04M 20.44M 20.50M 23.89M 23.98M 24.08M
Cash Dividends to Common per Share		 $0.59 $0.62 $0.66 $0.70 $0.76 $0.81 $0.85 $0.90 $92.00 $94.00 $98.00

Quarterly Income Statements for First Mid Bancshares

This table shows First Mid Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 17 15 18 21 20 19 19 22 23 22 24
Consolidated Net Income / (Loss)		 17 15 18 21 20 19 19 22 23 22 24
Net Income / (Loss) Continuing Operations		 17 15 18 21 20 19 19 22 23 22 24
Total Pre-Tax Income 		21 20 22 27 27 25 25 28 30 29 30
Total Revenue		 62 73 79 80 79 81 85 84 87 89 88
Net Interest Income / (Expense)		 42 50 57 55 57 58 59 59 64 66 67
Total Interest Income		 66 80 90 88 89 91 90 88 93 96 96
Loans and Leases Interest Income		 58 69 79 78 80 82 81 80 85 87 87
Investment Securities Interest Income		 7.19 9.28 8.52 7.41 7.41 7.04 6.99 6.78 6.90 7.66 7.55
Deposits and Money Market Investments Interest Income		 0.47 1.90 2.61 2.43 1.71 2.34 1.56 0.86 1.72 1.46 1.37
Federal Funds Sold and Securities Borrowed Interest Income		 0.10 0.11 0.12 0.02 0.01 0.03 - 0.00 0.00 0.00 0.00
Total Interest Expense		 24 30 32 32 32 34 31 28 30 30 29
Deposits Interest Expense		 17 22 26 26 26 28 26 24 25 25 24
Long-Term Debt Interest Expense		 5.46 6.32 4.80 4.05 3.97 3.85 3.42 3.25 3.36 3.49 3.92
Federal Funds Purchased and Securities Sold Interest Expense		 1.72 1.63 1.75 2.06 1.62 1.44 1.33 1.18 1.22 1.11 0.99
Total Non-Interest Income		 19 23 22 24 22 23 26 25 24 23 22
Trust Fees by Commissions		 - 4.94 - 5.32 - 5.82 6.28 5.80 5.39 5.15 6.60
Other Service Charges		 10 13 8.38 18 12 15 21 17 16 17 14
Net Realized & Unrealized Capital Gains on Investments		 -0.01 3.39 0.05 0.00 -0.16 -0.28 - -0.18 0.00 -1.93 -0.40
Other Non-Interest Income		 6.86 1.87 12 1.12 7.64 2.31 -0.93 2.40 2.28 2.51 1.95
Provision for Credit Losses		 0.46 5.91 0.55 -0.36 1.08 1.27 3.64 1.65 2.57 3.35 2.35
Total Non-Interest Expense		 40 47 57 53 51 54 56 54 55 57 56
Salaries and Employee Benefits		 24 25 30 30 30 32 32 32 34 34 36
Net Occupancy & Equipment Expense		 6.04 6.93 7.98 7.56 7.51 8.06 7.29 8.48 7.87 9.20 11
Marketing Expense		 0.91 0.76 0.68 0.86 0.81 0.84 0.91 0.85 0.78 0.96 0.76
Property & Liability Insurance Claims		 1.08 0.79 1.02 0.87 0.90 0.83 0.86 0.85 0.87 0.87 0.88
Other Operating Expenses		 7.00 11 14 10 8.66 9.24 12 9.31 8.50 9.42 4.56
Amortization Expense		 1.48 2.57 3.56 3.50 3.34 3.41 3.31 3.23 3.12 3.13 2.96
Income Tax Expense		 4.79 5.37 3.58 6.44 6.97 5.89 6.21 5.98 6.69 6.31 6.32
Basic Earnings per Share		 $0.81 $0.68 $0.74 $0.86 $0.83 $0.81 $0.81 $0.93 $0.98 $0.94 $0.99
Weighted Average Basic Shares Outstanding		 20.54M 23.84M 23.89M 23.90M 23.91M 23.91M 23.98M 23.99M 24.00M 24.00M 24.08M
Diluted Earnings per Share		 $0.80 $0.68 $0.74 $0.86 $0.82 $0.81 $0.81 $0.93 $0.98 $0.94 $0.98
Weighted Average Diluted Shares Outstanding		 20.54M 23.84M 23.89M 23.90M 23.91M 23.91M 23.98M 23.99M 24.00M 24.00M 24.08M
Weighted Average Basic & Diluted Shares Outstanding		 20.54M 23.84M 23.89M 23.90M 23.91M 23.91M 23.98M 23.99M 24.00M 24.00M 24.08M
Cash Dividends to Common per Share		 $0.23 $0.23 $0.23 $0.23 $0.23 $0.24 $0.24 - $0.24 $0.25 $97.27

Annual Cash Flow Statements for First Mid Bancshares

This table details how cash moves in and out of First Mid Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 64 60 -87 53 -56 332 -249 -16 -9.37 -22 134
Net Cash From Operating Activities		 22 27 46 42 63 64 70 66 72 124 131
Net Cash From Continuing Operating Activities		 22 27 46 42 63 64 70 66 72 124 131
Net Income / (Loss) Continuing Operations		 17 22 27 37 48 45 51 73 69 79 92
Consolidated Net Income / (Loss)		 17 22 27 37 48 45 51 73 69 79 92
Provision For Loan Losses		 1.32 2.83 7.46 8.67 6.43 16 15 4.81 6.10 5.64 9.92
Depreciation Expense		 4.44 7.94 8.13 7.88 11 12 14 15 15 21 20
Non-Cash Adjustments to Reconcile Net Income		 1.14 -3.39 2.73 2.02 -3.12 -9.84 -3.81 -5.60 6.36 -6.88 -5.62
Changes in Operating Assets and Liabilities, net		 -1.41 -1.79 1.15 -13 0.73 0.29 -7.68 -21 -24 26 15
Net Cash From Investing Activities		 10 -78 -56 -11 -32 -562 -482 -179 474 -7.51 -303
Net Cash From Continuing Investing Activities		 10 -78 -56 -11 -32 -562 -482 -179 474 -7.51 -303
Purchase of Property, Leasehold Improvements and Equipment		 -1.76 -0.70 -1.27 -3.11 -4.10 -2.46 -3.70 -5.02 -3.64 -4.95 -6.85
Acquisitions		 - - - - - - 27 67 45 -8.94 -2.42
Purchase of Investment Securities		 -399 -411 -307 -136 -248 -953 -755 -429 -23 -122 -479
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.15 - - - - - 0.00 0.00 0.01 11
Sale and/or Maturity of Investments		 134 297 253 71 220 393 249 188 456 128 174
Net Cash From Financing Activities		 32 111 -77 21 -87 831 164 97 -556 -139 305
Net Cash From Continuing Financing Activities		 32 111 -77 21 -87 831 164 97 -556 -139 305
Net Change in Deposits		 6.84 61 -55 -20 -71 775 273 -260 -328 -67 338
Issuance of Debt		 7.00 42 52 45 50 118 5.00 360 150 165 204
Issuance of Common Equity		 28 0.20 4.40 37 0.66 0.61 1.94 1.24 1.00 1.05 1.12
Repayment of Debt		 -7.00 -19 -40 -45 -74 -44 -40 -26 -351 -206 -206
Repurchase of Common Equity		 -1.07 0.00 -0.80 -0.14 -1.29 -0.21 -0.33 -0.34 -0.47 -0.66 -0.72
Payment of Dividends		 -5.49 -6.56 -7.23 -8.79 -12 -13 -15 -18 -20 -22 -23
Other Financing Activities, Net		 3.18 33 -31 13 21 -6.17 -61 40 -7.69 -9.60 -7.41
Cash Interest Paid		 3.43 4.11 6.42 12 24 17 16 30 105 129 116
Cash Income Taxes Paid		 7.80 13 12 9.65 16 19 19 23 22 -1.52 18

Quarterly Cash Flow Statements for First Mid Bancshares

This table details how cash moves in and out of First Mid Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 5.12 209 -240 213 -120 -71 -43 80 -11 87 -22
Net Cash From Operating Activities		 18 5.41 29 29 24 33 38 48 7.75 33 42
Net Cash From Continuing Operating Activities		 18 5.41 29 29 24 33 38 48 7.75 33 42
Net Income / (Loss) Continuing Operations		 17 15 18 21 20 19 19 22 23 22 24
Consolidated Net Income / (Loss)		 17 15 18 21 20 19 19 22 23 22 24
Provision For Loan Losses		 0.46 5.91 0.55 -0.36 1.08 1.27 3.64 1.65 2.57 3.35 2.35
Depreciation Expense		 3.38 3.10 4.93 5.34 5.01 5.28 5.15 5.00 4.87 4.99 4.91
Non-Cash Adjustments to Reconcile Net Income		 -3.26 -7.08 19 -1.26 -5.49 -0.71 0.58 1.63 -4.99 1.10 -3.35
Changes in Operating Assets and Liabilities, net		 0.70 -12 -14 4.82 3.72 7.72 9.73 17 -18 1.14 15
Net Cash From Investing Activities		 -33 355 62 97 -28 -30 -47 4.55 -98 -46 -163
Net Cash From Continuing Investing Activities		 -33 355 62 97 -28 -30 -47 4.55 -98 -46 -163
Purchase of Property, Leasehold Improvements and Equipment		 -0.97 -1.11 -0.62 -1.48 -1.12 -1.11 -1.24 -1.93 -1.78 -1.10 -2.03
Acquisitions		 - 55 - - - -8.94 - - - - -0.12
Purchase of Investment Securities		 0.01 0.02 -21 77 -66 -63 -70 -0.52 -67 -206 -205
Sale of Property, Leasehold Improvements and Equipment		 - - - 0.00 - - - 3.50 0.22 4.15 3.31
Sale and/or Maturity of Investments		 -22 302 84 22 39 43 24 3.50 -29 159 40
Net Cash From Financing Activities		 20 -152 -331 86 -116 -75 -34 28 78 100 99
Net Cash From Continuing Financing Activities		 20 -152 -331 86 -116 -75 -34 28 78 100 99
Net Change in Deposits		 189 -68 -223 119 -127 -27 -32 73 60 99 106
Issuance of Debt		 -10 -10 - 0.00 75 - 90 54 75 25 50
Issuance of Common Equity		 0.21 0.24 0.22 0.38 0.20 0.25 0.22 0.43 0.21 0.25 0.23
Repayment of Debt		 -135 -75 -101 -25 -59 -42 -77 -110 -25 -25 -47
Payment of Dividends		 -4.70 -4.70 -5.46 -5.47 -5.47 -5.71 -5.72 -5.73 -5.73 -5.97 -5.97
Other Financing Activities, Net		 -19 5.81 -1.26 -3.00 - - -9.60 16 -26 6.57 -3.79
Cash Interest Paid		 24 28 34 31 33 33 32 27 29 29 31
Cash Income Taxes Paid		 9.42 6.92 5.63 -0.82 -1.48 -0.79 -0.08 -1.19 9.32 0.96 8.87

Annual Balance Sheets for First Mid Bancshares

This table presents First Mid Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,114 2,885 2,842 3,840 3,839 4,726 5,987 6,744 7,587 7,520 7,967
Cash and Due from Banks		 43 58 75 64 76 75 - 138 123 92 57
Federal Funds Sold		 0.49 39 0.49 0.67 0.93 1.31 1.36 7.63 8.98 0.08 0.08
Interest Bearing Deposits at Other Banks		 73 79 13 77 7.66 341 76 6.39 11 29 198
Time Deposits Placed and Other Short-Term Investments		 25 15 1.69 7.57 4.63 2.70 2.45 1.47 1.47 3.50 1.74
Trading Account Securities		 605 695 649 763 756 884 1,428 1,222 1,178 1,070 1,084
Loans and Leases, Net of Allowance		 1,266 1,808 1,918 2,617 -27 -42 3,938 -59 -69 -70 -75
Allowance for Loan and Lease Losses		 15 17 20 26 27 42 55 59 69 70 75
Loans Held for Sale		 - - - - 1.82 1.92 - 0.34 4.98 6.61 5.20
Premises and Equipment, Net		 31 40 38 59 59 58 81 90 101 100 91
Goodwill		 41 58 60 105 105 105 112 140 196 203 203
Intangible Assets		 9.00 13 11 34 28 23 30 29 68 59 50
Other Assets		 21 80 74 113 2,826 3,276 223 5,166 5,962 6,026 6,352
Total Liabilities & Shareholders' Equity		 2,114 2,885 2,842 3,840 3,839 4,726 5,987 6,744 7,587 7,520 7,967
Total Liabilities		 1,909 2,604 2,534 3,364 3,313 4,158 5,222 6,111 6,794 6,673 7,008
Non-Interest Bearing Deposits		 343 471 480 576 633 937 1,247 1,257 1,398 1,329 1,393
Interest Bearing Deposits		 1,390 1,859 1,794 2,413 2,284 2,756 3,710 4,000 4,725 4,728 5,003
Short-Term Debt		 129 186 166 200 208 207 146 221 214 204 197
Accrued Interest Payable		 0.36 0.54 0.60 1.76 2.26 2.35 - 3.35 5.44 5.28 5.78
Long-Term Debt		 41 82 84 149 138 207 86 579 395 354 354
Other Long-Term Liabilities		 6.55 5.60 8.60 25 47 49 33 50 56 53 56
Commitments & Contingencies		 - - - - - - - - - 0.00 0.00
Total Equity & Noncontrolling Interests		 205 281 308 476 527 568 651 633 793 846 959
Total Preferred & Common Equity		 205 281 308 476 527 568 634 633 793 846 959
Total Common Equity		 178 281 308 476 527 568 651 633 793 846 959
Common Stock		 118 213 219 365 367 369 417 513 609 613 618
Retained Earnings		 72 86 105 131 167 198 234 289 339 395 464
Treasury Stock		 -16 -16 -16 -17 -18 -19 - -20 -21 -22 -24
Accumulated Other Comprehensive Income / (Loss)		 0.72 -5.76 -2.30 -6.47 8.36 17 -0.83 -152 -136 -142 -101
Other Equity Adjustments		 3.25 3.20 3.54 2.76 2.76 2.98 - 2.06 2.63 2.76 2.65

Quarterly Balance Sheets for First Mid Bancshares

This table presents First Mid Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets		 6,661 6,651 6,683 6,704 7,855 7,678 7,581 7,562 7,573 7,680 7,830
Cash and Due from Banks		 116 141 - 134 143 81 104 118 105 118 97
Federal Funds Sold		 6.86 7.40 7.90 8.16 8.45 0.02 0.03 0.03 0.08 0.08 0.08
Interest Bearing Deposits at Other Banks		 14 12 9.39 33 232 275 131 46 96 72 180
Time Deposits Placed and Other Short-Term Investments		 1.72 1.47 1.72 1.72 1.96 3.75 3.75 3.50 2.52 2.03 1.05
Trading Account Securities		 1,353 1,234 1,216 1,168 1,225 1,146 1,117 1,122 1,046 1,084 1,097
Loans and Leases, Net of Allowance		 -59 -59 -58 -59 -68 -68 -68 -69 -70 -71 -73
Allowance for Loan and Lease Losses		 59 59 58 59 68 68 68 69 70 71 73
Loans Held for Sale		 1.29 0.47 1.00 2.71 6.23 4.82 7.76 8.09 3.64 7.36 5.54
Premises and Equipment, Net		 91 91 90 90 102 102 102 101 97 98 95
Goodwill		 140 140 140 146 196 196 196 203 203 203 203
Intangible Assets		 32 31 28 32 71 64 61 62 55 52 52
Other Assets		 4,963 5,052 5,095 5,148 5,938 5,874 5,926 5,967 6,033 6,115 6,173
Total Liabilities & Shareholders' Equity		 6,661 6,651 6,683 6,704 7,855 7,678 7,581 7,562 7,573 7,680 7,830
Total Liabilities		 6,035 6,051 6,021 6,043 7,117 6,880 6,767 6,704 6,702 6,786 6,898
Non-Interest Bearing Deposits		 1,370 1,335 1,262 1,171 1,389 1,448 1,393 1,387 1,395 1,321 1,450
Interest Bearing Deposits		 3,949 4,149 3,769 4,049 4,957 4,795 4,722 4,702 4,736 4,869 4,839
Short-Term Debt		 185 226 229 209 215 211 206 204 220 194 201
Accrued Interest Payable		 1.66 3.01 4.73 4.34 6.73 6.32 5.42 6.49 6.63 6.72 7.89
Long-Term Debt		 490 290 709 564 496 370 391 350 299 349 349
Other Long-Term Liabilities		 39 49 48 46 54 51 49 54 46 46 51
Total Equity & Noncontrolling Interests		 626 601 662 661 738 798 814 858 871 894 932
Total Preferred & Common Equity		 626 601 662 661 738 798 814 858 871 894 932
Total Common Equity		 626 601 661 661 738 798 814 858 871 894 932
Common Stock		 513 513 515 515 609 612 612 613 617 617 617
Retained Earnings		 260 273 304 316 326 354 368 382 412 429 446
Treasury Stock		 -19 -20 -20 -20 -20 -21 -21 -21 -22 -23 -23
Accumulated Other Comprehensive Income / (Loss)		 -128 -168 -138 -152 -179 -148 -147 -117 -135 -131 -110
Other Equity Adjustments		 0.97 1.52 - 1.50 2.07 0.83 1.38 2.15 0.51 1.03 1.81

Annual Metrics And Ratios for First Mid Bancshares

This table displays calculated financial ratios and metrics derived from First Mid Bancshares' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.84 $2.07 $2.13 $2.53 $2.88 $2.71 $2.88 $3.62 $3.17 $3.31 $3.84
Adjusted Weighted Average Basic Shares Outstanding		 8.46M 12.48M 12.67M 16.67M 16.70M 18.04M 20.44M 20.50M 23.89M 23.98M 24.08M
Adjusted Diluted Earnings per Share		 $1.81 $2.05 $2.13 $2.52 $2.87 $2.70 $2.87 $3.60 $3.15 $3.30 $3.83
Adjusted Weighted Average Diluted Shares Outstanding		 8.46M 12.48M 12.67M 16.67M 16.70M 18.04M 20.44M 20.50M 23.89M 23.98M 24.08M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.88 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.46M 12.48M 12.67M 16.67M 16.70M 18.04M 20.44M 20.50M 23.89M 23.98M 24.08M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for First Mid Bancshares

This table displays calculated financial ratios and metrics derived from First Mid Bancshares' official financial filings.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.81 $0.68 $0.74 $0.86 $0.83 $0.81 $0.81 $0.93 $0.98 $0.94 $0.99
Adjusted Weighted Average Basic Shares Outstanding		 20.54M 23.84M 23.89M 23.90M 23.91M 23.91M 23.98M 23.99M 24.00M 24.00M 24.08M
Adjusted Diluted Earnings per Share		 $0.80 $0.68 $0.74 $0.86 $0.82 $0.81 $0.81 $0.93 $0.98 $0.94 $0.98
Adjusted Weighted Average Diluted Shares Outstanding		 20.54M 23.84M 23.89M 23.90M 23.91M 23.91M 23.98M 23.99M 24.00M 24.00M 24.08M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 20.54M 23.84M 23.89M 23.90M 23.91M 23.91M 23.98M 23.99M 24.00M 24.00M 24.08M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Financials Breakdown Chart

Key Financial Trends

Here’s a concise, data-driven read on First Mid Bancshares (NASDAQ:FMBH) using the last four years of quarterly results provided. The focus is on trends that matter most to retail investors: profitability, balance sheet strength, liquidity, and credit quality.

  • Strong and rising net interest income in 2025: Net Interest Income climbed to about $66.5 million in Q4 2025, up from roughly $59.4 million in Q1 2025, driven by higher loan yields and solid deposit growth. This underpins ongoing improvement in core profitability.
  • Earnings per share and net income trending higher in 2025: EPS moved toward the $1.00 mark (Q4 2025 Basic EPS 0.99, Diluted 0.98) with Consolidated Net Income attributable to common shareholders at about $23.68 million in Q4 2025, up from earlier quarters in 2025.
  • Deposit growth supports liquidity and funding: Net Change in Deposits was consistently positive in 2025 (Q4 2025 +$105.7M, Q3 2025 +$99.3M, Q2 2025 +$59.8M, Q1 2025 +$73.3M), reinforcing liquidity and funding stability.
  • Solid balance sheet growth and capitalization: Total assets rose through 2025 (around $7.57B in Q1 2025 to about $7.83B in Q3 2025) and Total Equity rose to roughly $932M by Q3 2025, signaling stronger capital buffers and growing book value per share.
  • Healthy operating cash flow generation: Cash flow from continuing operations remained robust in 2025 (Q4 2025 net cash from continuing operating activities about $42.2M; Q3 2025 around $33.0M; Q1 2025 around $47.9M), supporting liquidity for debt repayment, shareholder returns, and lending activity.
  • Liquidity-focused investment position: The bank holds a sizable trading account securities portfolio (roughly $1.08B–$1.10B in 2025), providing liquidity and potential gains, with activity paced alongside loan and deposit growth.
  • Credit-quality indicators remain moderate and manageable: Provision for Credit Losses in 2025 stayed modest (range roughly $1.6M–$3.3M per quarter) while Allowance for Loan Losses stayed in the $72M–$74M range, indicating coverage and stable credit quality.
  • Stability in earnings trajectory per share: Weighted-average shares and cash dividends per share have remained at accessible levels, with per-share earnings sustaining near the $1.00 mark in 2025, supporting ongoing value for shareholders.
  • Q4 2025 net cash from continuing investing activities was notably negative: Net cash from continuing investing activities in Q4 2025 was about -$163.3 million, reflecting ongoing investment activity and asset reallocation that could press near-term liquidity if not offset by cash flows elsewhere.
  • One-quarter cash flow compression despite solid net income: Net Change in Cash & Equivalents for Q4 2025 was negative (-$22.2 million) while net income remained positive, suggesting working-capital or investing cash outflows outpaced operating cash this quarter.

Notes on the data range and scope used for this summary:

  • Revenue and profitability: 2025 quarterly results show net interest income strength and rising EPS, with Total Revenue hovering in the mid-80s to low-90s million range and Q4 2025 revenue of about $88.2 million vs. $89.3 million in Q3 2025.
  • Asset and equity growth: Total assets expanded to roughly $7.8B by mid-2025, with Total Common Equity near $870–932M across 2024–2025, reflecting ongoing capitalization gains.
05/05/26 04:49 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About First Mid Bancshares' Financials

When does First Mid Bancshares' fiscal year end?

According to the most recent income statement we have on file, First Mid Bancshares' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

How has First Mid Bancshares' net income changed over the last 10 years?

First Mid Bancshares' net income appears to be on an upward trend, with a most recent value of $91.75 million in 2025, rising from $16.51 million in 2015. The previous period was $78.90 million in 2024. See where experts think First Mid Bancshares is headed by visiting First Mid Bancshares' forecast page.

How has First Mid Bancshares' revenue changed over the last 10 years?

Over the last 10 years, First Mid Bancshares' total revenue changed from $76.30 million in 2015 to $349.22 million in 2025, a change of 357.7%.

How much debt does First Mid Bancshares have?

First Mid Bancshares' total liabilities were at $7.01 billion at the end of 2025, a 5.0% increase from 2024, and a 267.0% increase since 2015.

How much cash does First Mid Bancshares have?

In the past 10 years, First Mid Bancshares' cash and equivalents has ranged from $0.00 in 2021 to $138.41 million in 2022, and is currently $57.22 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:FMBH last updated on 3/3/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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