NASDAQ$FMBH

First Mid Bancshares Inc · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Announced strong financial results for Q2 2024 and expanded noninterest income with the acquisition of MRIG.

First Mid Bancshares, Inc. reported a strong second quarter with solid loan growth and superior asset quality. The acquisition of MRIG is expected to deepen the company's Missouri presence and grow insurance revenues. Net interest income increased, and capital levels remained strong.

  • Net interest income increased by $1.3 million, or 2.3% compared to the first quarter of 2024.
  • Total loans ended the quarter at $5.56 billion, representing an increase of $61.3 million, or 1.1% compared to the prior quarter.
  • Total deposits ended the quarter at $6.12 billion, a decrease of $127.2 million, or 2.0% from the prior quarter.
  • Noninterest income for the second quarter of 2024 was $22.4 million.

Headline financials

Total Revenue

$79.2M

Previous: $61.9M+28.0%
EPS

$0.82

Previous: $0.83-1.2%
Efficiency Ratio

59.6%

Previous: 60.4%-1.3%
Net Interest Margin

3.4%

No prior period
NPL / Total Loans

0.3%

Previous: 0.4%-12.8%
NPA / Total Assets

0.3%

Previous: 0.3%-20.6%
Capital Expenditures

-$2.6M

Previous: -$1.91M-36.0%
Free Cash Flow

$17.2M

Previous: $14.7M+17.0%
Net Income

$19.7M

Previous: $16.6M+19.2%
Operating Income

$36M

Previous: $33.4M+7.6%
Gross Profit

$78.1M

Previous: $61.9M+26.3%
Cash & Equivalents

$239M

Previous: $168M+42.5%
Total Assets

$7.58B

Previous: $6.7B+13.1%
Stock-Based Comp

$579K

Previous: $437K+32.5%

Revenue & EPS history

First Mid · Revenue · Quarterly

$79.2M

Q2 2024+28%vs Q2 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 Q2 2024

Historical avgQ2 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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