NASDAQ$FMBH
First Mid Bancshares Inc · Q4 2024 earnings
Q4 2024 earnings · · Before market open · Investor relations
Briefing
Revenue growth and interest expense management drove an increase in adjusted earnings.
First Mid Bancshares reported a solid increase in adjusted earnings for Q4 2024, driven by revenue growth and effective interest expense management, despite higher provision expense. Net interest margin expanded, and noninterest income rose to 31% of revenues. Wealth management, insurance, and Ag Services contributed significantly to the strong performance.
- Net interest income increased by $1.4 million, or 2.4% compared to the third quarter of 2024.
- Net interest margin increased 6 basis points to 3.41% for the fourth quarter of 2024.
- Total loans ended the quarter at $5.67 billion, representing an increase of $57.9 million, or 1.0% compared to the prior quarter.
- Noninterest income for the fourth quarter of 2024 was $26.4 million compared to $23.0 million in the prior quarter.
Headline financials
Revenue & EPS history
First Mid · Revenue · Quarterly
$59M
Revenue by segment
First Mid · $18.8M total across 2 segments · Q1 2023
- Insurance$14M—74.5%
- Wealth Mgmt$4.8M—25.5%
Forward guidance
This document may contain certain forward-looking statements about First Mid, such as discussions of First Mid’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 Q4 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
| Quarter | Report date | Reaction (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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