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STOCKS

First Mid-Illinois Bancshares, Inc. (FMBH)

NASDAQ:FMBH

FMBH

First Mid-Illinois Bancshares

RESEARCH TOOLSreports

First Mid-Illinois Bancshares (FMBH) Ratios

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First Mid-Illinois Bancshares Ratios

FMBH's free cash flow for Q4 2025 was $0.73. For the 2025 fiscal year, FMBH's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.28	0.28	0.20	0.21	0.25
Quick Ratio	0.28	0.28	0.20	0.21	0.25
Cash Ratio	0.01	0.01	0.02	0.02	0.03
Solvency Ratio	0.02	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.03	0.03	0.02	0.01	0.01
Short-Term Operating Cash Flow Coverage	0.58	0.58	0.61	0.34	0.30
Net Current Asset Value	$ -5.67B	$ -5.67B	$ -5.45B	$ -5.45B	$ -4.72B
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.07	0.08	0.08	0.12
Debt-to-Equity Ratio	0.59	0.59	0.68	0.79	1.29
Debt-to-Capital Ratio	0.37	0.37	0.40	0.44	0.56
Long-Term Debt-to-Capital Ratio	0.26	0.26	0.30	0.33	0.48
Financial Leverage Ratio	8.31	8.31	8.88	9.56	10.65
Debt Service Coverage Ratio	0.31	0.27	0.30	0.26	0.35
Interest Coverage Ratio	1.00	1.00	0.81	0.83	2.89
Debt to Market Cap	0.58	0.60	0.64	0.81	1.24
Interest Debt Per Share	28.51	28.53	29.46	33.50	42.05
Net Debt to EBITDA	3.84	4.33	3.58	4.72	6.30
Profitability Margins
Gross Profit Margin	66.65%	72.80%	69.98%	70.44%	87.28%
EBIT Margin	25.10%	25.12%	23.34%	23.17%	31.89%
EBITDA Margin	28.29%	25.12%	27.99%	27.07%	37.15%
Operating Profit Margin	25.10%	25.12%	23.34%	23.17%	31.89%
Pretax Profit Margin	25.10%	25.12%	23.34%	23.17%	31.89%
Net Profit Margin	19.67%	19.69%	17.64%	18.06%	25.48%
Continuous Operations Profit Margin	19.67%	19.69%	17.64%	18.06%	25.48%
Net Income Per EBT	78.39%	78.39%	75.58%	77.98%	79.91%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.15%	1.15%	1.05%	0.91%	1.08%
Return on Equity (ROE)	10.04%	9.57%	9.32%	8.69%	11.52%
Return on Capital Employed (ROCE)	3.72%	3.72%	8.33%	7.11%	7.23%
Return on Invested Capital (ROIC)	-3.15%	-3.15%	5.41%	4.73%	4.92%
Return on Tangible Assets	1.19%	1.19%	1.09%	0.94%	1.11%
Earnings Yield	9.70%	9.85%	9.00%	9.13%	11.28%
Efficiency Ratios
Receivables Turnover	11.67	11.67	11.58	10.88	10.10
Payables Turnover	26.90	21.92	25.43	20.75	10.88
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.14	5.13	3.92	3.30	2.69
Asset Turnover	0.06	0.06	0.06	0.05	0.04
Working Capital Turnover Ratio	-0.10	-0.11	-0.09	-0.08	-0.08
Cash Conversion Cycle	17.70	14.64	17.18	15.96	2.62
Days of Sales Outstanding	31.27	31.29	31.53	33.55	36.16
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	13.57	16.65	14.35	17.59	33.53
Operating Cycle	31.27	31.29	31.53	33.55	36.16
Cash Flow Ratios
Operating Cash Flow Per Share	5.48	5.48	5.23	3.32	3.26
Free Cash Flow Per Share	5.19	5.20	5.02	3.16	3.01
CapEx Per Share	0.29	0.29	0.21	0.17	0.25
Free Cash Flow to Operating Cash Flow	0.95	0.95	0.96	0.95	0.92
Dividend Paid and CapEx Coverage Ratio	4.33	4.33	4.56	3.12	2.88
Capital Expenditure Coverage Ratio	19.12	19.12	25.16	19.90	13.11
Operating Cash Flow Coverage Ratio	0.23	0.23	0.22	0.12	0.08
Operating Cash Flow to Sales Ratio	0.28	0.28	0.28	0.19	0.23
Free Cash Flow Yield	13.01%	13.32%	13.63%	9.11%	9.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.32	10.15	11.11	10.95	8.87
Price-to-Sales (P/S) Ratio	2.05	2.00	1.96	1.98	2.26
Price-to-Book (P/B) Ratio	0.99	0.97	1.04	0.95	1.02
Price-to-Free Cash Flow (P/FCF) Ratio	7.69	7.51	7.33	10.98	10.64
Price-to-Operating Cash Flow Ratio	7.23	7.11	7.04	10.42	9.83
Price-to-Earnings Growth (PEG) Ratio	1.98	0.63	2.52	-0.88	0.35
Price-to-Fair Value	0.99	0.97	1.04	0.95	1.02
Enterprise Value Multiple	11.08	12.29	10.58	12.02	12.39
Enterprise Value	1.46B	1.44B	1.32B	1.24B	1.32B
EV to EBITDA	11.07	12.29	10.58	12.02	12.39
EV to Sales	3.13	3.09	2.96	3.26	4.60
EV to Free Cash Flow	11.78	11.60	11.08	18.06	21.66
EV to Operating Cash Flow	11.16	10.99	10.64	17.15	20.01
Tangible Book Value Per Share	29.73	29.75	24.56	24.29	22.97
Shareholders’ Equity Per Share	40.13	40.16	35.56	36.42	31.39
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.24	0.22	0.20
Revenue Per Share	19.52	19.52	18.79	17.52	14.19
Net Income Per Share	3.84	3.84	3.31	3.17	3.62
Tax Burden	0.78	0.78	0.76	0.78	0.80
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.31	0.37	0.29	0.28	0.35
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.43	1.43	1.58	1.05	0.90

Currency in USD