First Mid Bancshares, Inc. cash flow to debt ratio of 23.19% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

First Mid Bancshares, Inc.'s free cash flow has increased 3.81% from $119.48M last year to $124.03M, signaling increasing performance

First Mid Bancshares, Inc.'s debt to equity ratio is 0.56, which means that the company's assets are healthy financed, signaling financial stability.

First Mid Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.68 last year to 0.56 today, signaling strengthened financials

First Mid Bancshares, Inc. has a net cash position, so leverage is healthy.

First Mid Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

First Mid Bancshares, Inc.'s profit margin has increased (24.80%) in the last year from 17.64% to 22.01%, signaling increasing performance

First Mid Bancshares, Inc.'s short-term liabilities of $6.60B exceed its short-term assets of $1.13B, signaling financial risk

First Mid Bancshares, Inc.'s return on assets of 1.09% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Mid Bancshares, Inc.'s return on equity of 9.86%, is lower than 15.00%, indicating bad performance

First Mid Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

First Mid Bancshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

First Mid Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

First Mid Bancshares, Inc. has a free cash flow yield of 9.11%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

First Mid Bancshares, Inc.'s yearly earnings has increased 16.29% since last year from $78.90M to $91.75M, signaling increasing performance

First Mid Bancshares, Inc.'s yearly revenue has increased 4.19% since last year from $447.28M to $466.04M, signaling increasing performance

ROIC 3.28% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Mid Bancshares, Inc.'s 3-year revenue CAGR of 17.64% is positive, indicating growing revenue over the past 3 years

First Mid Bancshares, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

First Mid Bancshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

First Mid Bancshares, Inc. is undervalued relative to its fair value price of 70.36 based on Discounted Cash Flow model

First Mid Bancshares, Inc. has an earnings yield of 7.41%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

First Mid Bancshares, Inc. is overvalued relative to its fair value price of 12.97 based on EBITDA multiple model

First Mid Bancshares, Inc. has an EV/EBITDA ratio of 6.14x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

First Mid Bancshares, Inc. is undervalued relative to its fair value price of 93.22 based on Earnings Fair Value model

First Mid Bancshares, Inc. has a PEG-ratio over 1 which is considered overvalued

First Mid Bancshares, Inc. has a price-to-book ratio of 1.23x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Mid Bancshares, Inc. has a price-to-sales ratio of 2.97x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue