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First Mid Bancshares, Inc. (FMBH) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $41.38, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining.

First Mid Bancshares, Inc., a financial holding company, provides community banking products and services to commercial, retail, and agricultural customers in the United States. It accepts various deposit products, such as demand deposits, savings accounts, money market... Read more

$41.38+4.9% A.UpsideScore 5.9/10#63 of 142 Banks - Regional
Stop $40.10Target $43.75(resistance)A.R:R -0.2:1
Analyst target$47.57+15.0%7 analysts
$43.75our TP
$41.38price
$47.57mean
$52

Hold if already holding. Not a fresh buy at $41.38, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.9/10, moderate confidence.

Passes 5/7 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity no date, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards
Attractive valuation
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)11.2
P/E (Fwd)8.9
Mkt Cap$1.1B
EV/EBITDA
Profit Mgn27.0%
ROE10.2%
Rev Growth5.1%
Beta0.82
Dividend2.32%
Rating analysts13

Quality Signals

Piotroski F8/9

Options Flow

IV46%normal
Max Pain$50+20.8% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -0.2=NEGATIVEMomentum 4.6<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.6>=4.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY NO DATESEMI CYCLE PEAK CLEARSuitability: Aggressive
RSI
34 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $40.80Resistance $44.64

Price Targets

$40
$44
A.Upside+5.7%
A.R:R-0.2:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-0.8% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-04-30 (nulld)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FMBH stock a buy right now?

Hold if already holding. Not a fresh buy at $41.38, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $43.75 (+5.7%), stop $40.10 (−3.2%), A.R:R -0.2:1. Score 5.9/10, moderate confidence.

What is the FMBH stock price target?

Take-profit target: $43.75 (+4.9% upside). Target $43.75 (+5.7%), stop $40.10 (−3.2%), A.R:R -0.2:1. Stop-loss: $40.10.

What are the risks of investing in FMBH?

Analyst target reached - limited upside remaining.

Is FMBH overvalued or undervalued?

First Mid Bancshares, Inc. trades at a P/E of 11.2 (forward 8.9). TrendMatrix value score: 8.0/10. Verdict: Hold.

What do analysts say about FMBH?

13 analysts cover FMBH with a consensus score of 3.8/5. Average price target: $48.

What does First Mid Bancshares, Inc. do?First Mid Bancshares, Inc., a financial holding company, provides community banking products and services to...

First Mid Bancshares, Inc., a financial holding company, provides community banking products and services to commercial, retail, and agricultural customers in the United States. It accepts various deposit products, such as demand deposits, savings accounts, money market deposits, and time deposits. The company's loan products include commercial real estate, commercial and industrial, agricultural and agricultural real estate, residential real estate owner and non-owner occupied, and consumer loans, as well as construction and land development, 1-4 family residential properties, and multifamily residential properties loans; and other loans comprising loans to municipalities to support community projects, such as infrastructure improvements or equipment purchases. In addition, it offers wealth management services, which include estate planning and investment services to individuals; employee benefit services for businesses; and farm management and brokerage services. Further, the company provides property and casualty, senior insurance products, and group medical insurance for businesses; and personal lines insurance to individuals. The company was formerly known as First Mid-Illinois Bancshares, Inc. and changed its name to First Mid Bancshares, Inc. in April 2019. First Mid Bancshares, Inc. was founded in 1865 and is headquartered in Mattoon, Illinois.

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