FIRST MID BANCSHARES, INC. (FMBH)
State Commercial Banks · Financial Services · $1.2B
Intrinsic Value (Consensus)
$83.41
Current Price
$46.00
Margin of Safety
+81.3%
81.3% Below Intrinsic Value
Value: $83
Price: $46
Valuation Model Estimates
Current Price: $46.00
DCF (Discounted Cash Flow)
$164.24
Graham Number
$55.72
Earnings Power Value
$37.18
Relative Value (P/E)
$76.60
Dividend Discount Model
$83.33
Consensus Value
$83.41
Model Assumptions
Discount Rate
10.3%
Growth Rate
16.1%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
69
Profitability
15/25
Strength
22/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (16% YoY)
High free cash flow yield (10.1%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.83
- EPS (Forward)
- $4.45
- Book Value
- $36.03
- P/E Ratio
- 20.0
- Forward P/E
- 17.2
- PEG Ratio
- —
- ROE
- 9.6%
- Debt/Equity
- 37%
- Revenue Growth
- N/A
- Earnings Growth
- 16.1%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance