NASDAQ$FMBH

First Mid Bancshares Inc · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Announced first quarter 2024 results, showing revenue diversification and a new record high in noninterest income.

First Mid Bancshares reported a decrease in net interest income compared to the previous quarter but an increase compared to the first quarter of the previous year, driven by the addition of Blackhawk. Noninterest income reached a record high, driven by insurance revenues. The company's capital levels remained strong.

  • Net interest income decreased by 3.5% compared to the fourth quarter of 2023, but increased 28.4% compared to Q1 2023.
  • Total loans ended the quarter at $5.50 billion, a decrease of $81.3 million from the prior quarter.
  • Total deposits ended the quarter at $6.24 billion, an increase of $119.3 million from the prior quarter.
  • Noninterest income for the first quarter of 2024 was a record high of $24.5 million.

Headline financials

Total Revenue

$79.9M

Previous: $65.7M+21.7%
EPS

$0.86

Previous: $0.96-10.4%
Efficiency Ratio

59.1%

Previous: 59.0%+0.2%
Net Interest Margin

3.3%

No prior period
NPL / Total Loans

0.4%

Previous: 0.3%+12.5%
NPA / Total Assets

0.3%

No prior period
Capital Expenditures

-$1.48M

Previous: -$941K-57.3%
Free Cash Flow

$19M

Previous: $18.2M+4.3%
Net Income

$20.5M

Previous: $19.2M+6.9%
Operating Income

$36.6M

Previous: $41.6M-11.8%
Gross Profit

$79.9M

Previous: $65.7M+21.7%
Cash & Equivalents

$359M

Previous: $163M+120.6%
Total Assets

$7.68B

Previous: $6.68B+14.9%
Stock-Based Comp

$606K

Previous: $307K+97.4%

Revenue & EPS history

First Mid · Revenue · Quarterly

$79.9M

Q1 2024+21.7%vs Q1 2023
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

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 2024

Historical avgQ1 2024

-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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