FMBH PEER ANALYSIS

First Mid Illinois Bancshares Inc — metric-by-metric comparison with peers and the industry median

FMBHFirst Mid Illinois Bancshares Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

FMBHIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	FMBH	LB	SKBNK	LLOY	NWG	TSKB	Ind. Median
P/E	12.63	116.67	20.06	13.42	9.21	2.96●	12.96
P/B	1.13	0.68●	3.18	1.41	1.41	0.71	1.29
EV/EBITDA	9.91	306.42	1.78	14.85	-8.40●	2.21	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FMBH	LB	SKBNK	LLOY	NWG	TSKB	Ind. Median
Current Ratio	0.09	0.01	—	0.12	0.25●	—	0.31
Debt/Equity	56.8%	744.5%	0.0%●	209.8%	17.0%	0.0%●	38.0%
NetDebt/EBITDA	-0.68	280.57	-13.41	5.39	-14.68●	-0.47	-0.58

Profitability
Metric	FMBH	LB	SKBNK	LLOY	NWG	TSKB	Ind. Median
Net Margin	21.0%	1.4%	14.2%	25.9%	20.1%	54.9%●	20.6%
ROE	9.8%	1.0%	17.5%	10.6%	14.9%	27.4%●	10.9%
ROA	1.1%	0.1%	1.2%	0.5%	0.8%	3.7%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FMBH	LB	SKBNK	LLOY	NWG	TSKB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	19.0%●	-80.9%	8.1%	16.2%	16.0%	-1.3%	19.4%
Div. Yield	2.0%	4.7%	—	3.2%	4.8%●	—	2.5%
Payout	24.7%	335.1%	—	—	—	—	31.4%

Valuation
Metric	FMBH	CCB	OSBC	UVSP	HFWA	NBN	Ind. Median
P/E	12.63	24.75	14.43	13.07	16.06	11.67●	12.96
P/B	1.13	2.42	1.39	1.31	1.04●	2.02	1.29
EV/EBITDA	9.91	17.26	11.82	10.79	1.26●	12.93	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FMBH	CCB	OSBC	UVSP	HFWA	NBN	Ind. Median
Current Ratio	0.09	783.46●	0.22	0.03	339.27	0.26	0.31
Debt/Equity	56.8%	10.5%	36.2%	34.4%	3.8%●	130.0%	38.0%
NetDebt/EBITDA	-0.68	0.00	2.14	0.76	-12.27●	5.05	-0.58

Profitability
Metric	FMBH	CCB	OSBC	UVSP	HFWA	NBN	Ind. Median
Net Margin	21.0%	8.2%	20.2%	18.3%	20.5%	26.2%●	20.6%
ROE	9.8%	10.3%	10.8%	10.3%	7.3%	19.0%●	10.9%
ROA	1.1%	1.0%	1.4%	1.2%	0.9%	2.1%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FMBH	CCB	OSBC	UVSP	HFWA	NBN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	19.0%	2.4%	2.7%	22.3%	41.1%●	34.1%	19.4%
Div. Yield	2.0%	—	1.1%	2.0%	3.2%●	0.0%	2.5%
Payout	24.7%	—	15.4%	26.7%	45.0%	0.4%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.