FIRST MID BANCSHARES, INC. (FMBH) FY2025 10-K Annual Report
FIRST MID BANCSHARES, INC. (FMBH) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
FIRST MID BANCSHARES, INC. FY2025 10-K Analysis
Business Overview
- • Core business model: Community-focused banking, insurance, wealth management, and investment services through wholly owned subsidiaries
- • New acquisitions: Blackhawk Bank merged into First Mid Bank (Dec 2023), Mid Rivers Insurance Group merged into First Mid Insurance (Q3 2024)
Management Discussion & Analysis
- • No revenue or net income dollar figures provided to assess YoY change
- • No explicit profitability or margin percentages disclosed for FY 2026 or FY 2025
Risk Factors
- • Regulatory risk: OCC may prohibit dividends despite $54.5M available, if deemed unsafe or unsound practice
- • Macroeconomic exposure: $1.38B in unused lines of credit at Dec 31, 2025, including $675M commercial operating loans
FIRST MID BANCSHARES, INC. FY2025 Key Financial MetricsXBRL
Revenue
$373M
▲ +4.4% YoY
Net Income
$92M
▲ +16.3% YoY
Net Margin
24.6%
▲ +252bp YoY
ROE
9.6%
▲ +25bp YoY
Total Assets
$8.0B
▲ +5.9% YoY
EPS (Diluted)
$3.83
▲ +16.1% YoY
Operating Cash Flow
$131M
▲ +5.2% YoY
Source: XBRL data from FIRST MID BANCSHARES, INC. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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