NASDAQ$FMBH

First Mid Bancshares Inc · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

First Mid Bancshares reported Q3 2025, revenue of $62M, net income of $18M, diluted EPS of $1.12.

For Q3 2025, First Mid Bancshares reported revenue of $62M, net income of $18M, diluted EPS was $1.12. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $62M.
  • Net income $18M.
  • Diluted EPS $1.12.

Headline financials

Total Revenue

$89.3M

Previous: $80.6M+10.8%
EPS (adj)

$1.12

Previous: $0.81+38.3%
Efficiency Ratio

58.8%

Previous: 61.3%-4.2%
Net Interest Margin

3.8%

No prior period
Total Loans

$5.82B

Previous: $5.61B+3.7%
Total Deposits

$6.29B

Previous: $6.09B+3.3%
TBV per Share

$28.21

Previous: $24.82+13.7%
ACL / Total Loans

1.3%

Previous: 1.2%+2.5%
NPL / Total Loans

0.4%

Previous: 0.3%+18.8%
NPA / Total Assets

0.3%

Previous: 0.3%+11.1%
ROA

1.2%

Previous: 1.0%+13.6%
ROCE

9.9%

Previous: 9.4%+5.9%
Capital Expenditures

-$4.81M

Previous: -$3.7M-30.0%
Net Income

$22.5M

Previous: $19.5M+15.3%
Operating Income

$28.8M

Previous: $34.7M-17.1%

Revenue & EPS history

First Mid · Revenue · Quarterly

$89.3M

Q3 2025+10.8%vs Q3 2024
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

The release discusses First Mid Bancshares's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • First Mid Bancshares cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

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 Q3 2025

Historical avgQ3 2025

-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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