NASDAQ$FMBH

First Mid Bancshares Inc · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

First Mid Bancshares, Inc. announced financial results for the quarter ended March 31, 2023.

First Mid Bancshares reported a solid start to the year, driven by unique income diversification and strategic initiatives, while managing industry challenges. The quarter was highlighted by a record performance in the insurance business, continued strength in asset quality, and an efficiency initiative to lower expenses.

  • Net interest income decreased by $2.5 million compared to the fourth quarter of 2022.
  • Total loans ended the quarter at $4.76 billion, a decrease of $65.6 million compared to the prior quarter.
  • Total deposits ended the quarter at $5.03 billion, a decrease of $226.2 million from the prior quarter.
  • Noninterest income increased to $22.5 million compared to $18.2 million in the fourth quarter of 2022, driven by insurance and wealth management revenues.

Headline financials

Total Revenue

$65.7M

Previous: $64.6M+1.6%
EPS (adj)

$0.96

Previous: $0.96+0.0%
Efficiency Ratio

59.0%

Previous: 58.6%+0.7%
ACL / Total Loans

1.2%

No prior period
NPL / Total Loans

0.3%

No prior period
Capital Expenditures

-$941K

Previous: -$27K-3385.2%
Free Cash Flow

$18.2M

Previous: $16.6M+9.9%
Net Income

$19.2M

Previous: $16.6M+15.4%
Operating Income

$41.6M

Previous: $52.8M-21.4%
Gross Profit

$65.7M

Previous: $64.6M+1.6%
Cash & Equivalents

$163M

Previous: $220M-25.9%
Total Assets

$6.68B

Previous: $6.63B+0.8%
Stock-Based Comp

$307K

Previous: $508K-39.6%

Revenue & EPS history

First Mid · Revenue · Quarterly

$65.7M

Q1 2023+1.6%vs Q1 2022
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Revenue by segment

First Mid · $18.8M total across 2 segments · Q1 2023

  • Insurance
    $14M
  • Wealth Mgmt
    $4.8M

Forward guidance

This document may contain certain forward-looking statements about First Mid and Blackhawk, such as discussions of First Mid’s and Blackhawk’s pricing and fee trends, credit quality and outlook, liquidity, new business results, expansion plans, anticipated expenses and planned schedules.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2023

Historical avgQ1 2023

-0.2%

Avg return

Earnings day

+1.1%

Avg return

5 days after

+2.0%

Avg return

30 days after

41%

27 / 66 earnings

Positive

+7.1%

Q4 2009

Best reaction

-11.5%

Q1 2011

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.1%+1.5%+2.4%
Q4 2025-1.1%+4.1%-2.5%
Q3 2025-3.0%-0.7%+5.0%
Q2 2025-3.4%-1.3%+1.3%
Q1 2025+3.0%+7.5%+5.5%
Q4 2024+2.8%+4.2%+3.3%
Q3 2024-3.2%-2.6%+7.5%
Q2 2024-1.7%-2.4%+4.9%
Q1 2024-0.8%-0.6%+0.8%
Q4 2023-0.5%-0.4%-8.9%
Q3 2023+2.3%+4.6%+19.6%
Q2 2023+2.0%+3.5%-6.6%
Q1 2023+5.8%+6.7%+2.4%
Q4 2022-1.6%+0.5%-3.6%
Q3 2022+0.2%-1.6%-4.1%
Q2 2022-2.1%-3.1%-5.6%
Q1 2022+2.2%-1.9%+0.8%
Q4 2021-2.9%-1.9%-3.0%
Q3 2021+2.4%+4.5%-0.2%
Q2 2021+2.0%+4.1%+4.0%
Q1 2021+1.4%+2.4%+1.4%
Q4 2020+3.2%+4.5%+10.9%
Q3 2020+2.5%+8.3%+17.6%
Q2 2020-3.8%-2.3%+4.9%
Q1 2020-5.9%-12.1%-9.7%
Q4 2019-1.3%-2.2%-4.9%
Q3 2019+0.5%+1.0%+0.7%
Q2 2019-0.2%-0.9%-8.1%
Q1 2019+3.9%+6.3%+2.7%
Q4 2018+0.2%-1.6%+8.0%
Q3 2018+6.2%+9.5%+6.4%
Q2 2018+1.2%+0.4%+2.2%
Q1 2018+0.5%-0.1%+1.5%
Q4 2017-0.3%-0.3%-8.0%
Q3 2017-0.8%-7.4%-6.2%
Q2 2017-0.3%+3.7%-1.8%
Q1 2017-2.3%-2.4%-1.5%
Q4 2016-1.6%-1.2%+5.3%
Q3 2016+4.6%+12.2%+27.1%
Q2 2016+1.3%+0.9%+6.3%
Q1 2016+1.9%
Q4 2015+1.3%
Q3 2015+0.1%
Q2 2015+0.2%
Q1 2015-5.2%
Q4 2014-2.1%
Q3 2014-0.7%
Q2 2014+0.0%
Q1 2014+0.0%
Q4 2013-4.1%
Q3 2013+0.0%
Q2 2013+0.0%
Q1 2013+0.0%
Q4 2011+0.0%
Q4 2012+0.0%
Q3 2012-1.8%
Q2 2012+6.3%
Q1 2011-11.5%
Q1 2012+0.0%
Q4 2009+7.1%
Q3 2010-4.8%
Q3 2011-4.8%
Q2 2011-1.5%
Q4 2010-1.5%
Q2 2010-1.5%
Q1 2010+0.0%

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