NASDAQ$FMBH

First Mid Bancshares Inc · Q2 2020 earnings

Q2 2020 earnings · · Investor relations

Briefing

Announced second quarter 2020 results, demonstrating resilience and strategic growth amidst uncertain economic conditions.

First Mid Bancshares reported a solid second quarter, marked by a significant increase in total loans and deposits, driven by PPP loans and acquired loans. Despite a reserve build for uncertain macro-economic conditions, the company saw growth in net interest income and managed to maintain strong capital levels.

  • Net interest income increased by $1.7 million, or 5.7% compared to the first quarter of 2020.
  • Total loans increased by $461.0 million compared to the prior quarter, including $259.6 million in PPP loans and $183.0 million in Acquired Loans.
  • Total deposits increased by $477.2 million from the prior quarter.
  • Non-performing loans declined $1.4 million to $23.1 million at quarter end.

Headline financials

Total Revenue

$45.5M

Previous: $44.9M+1.3%
EPS (adj)

$0.60

Previous: $0.66-9.1%
Efficiency Ratio

54.3%

Previous: 62.3%-12.8%
NPL / Total Loans

0.7%

No prior period
Capital Expenditures

-$1.28M

Previous: -$2.54M+49.6%
Free Cash Flow

$8.86M

Previous: $8.44M+4.9%
Net Income

$10.1M

Previous: $11M-7.7%
Operating Income

$35.2M

Previous: $33.1M+6.3%
Gross Profit

$45.5M

Previous: $44.9M+1.3%
Cash & Equivalents

$241M

Previous: $168M+43.2%
Total Assets

$4.46B

Previous: $3.84B+16.0%
Stock-Based Comp

$200K

Previous: $136K+47.1%

Revenue & EPS history

First Mid · Revenue · Quarterly

$45.5M

Q2 2020+1.3%vs Q2 2019
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Revenue by segment

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

  • Insurance
    $14M
  • Wealth Mgmt
    $4.8M

Forward guidance

The company will be closing two branches in the third quarter of 2020 as part of its ongoing initiative to optimize its branch network and manage its cost structure.

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 Q2 2020

Historical avgQ2 2020

-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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