First Mid Bancshares (FMBH) reported $89.27 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 10.8%. EPS of $0.97 for the same period compares to $0.83 a year ago.
The reported revenue represents a surprise of +1.5% over the Zacks Consensus Estimate of $87.95 million. With the consensus EPS estimate being $0.96, the EPS surprise was +1.04%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how First Mid Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 58.8% versus the three-analyst average estimate of 61.6%.
- Net interest margin: 3.8% versus 3.7% estimated by three analysts on average.
- Average Earning Assets: $7.01 billion versus the two-analyst average estimate of $7.01 billion.
- Non-interest Income: $22.91 million versus the three-analyst average estimate of $22.89 million.
- Other: $3.93 million compared to the $2 million average estimate based on two analysts.
- Net Interest Income (FTE): $67.14 million versus $65.74 million estimated by two analysts on average.
- Net Interest Income: $66.36 million versus the two-analyst average estimate of $64.64 million.
- ATM/debit card revenue: $4.18 million versus the two-analyst average estimate of $4.18 million.
- Wealth management revenues: $5.15 million versus the two-analyst average estimate of $5.4 million.
- Insurance commissions: $7.09 million compared to the $6.6 million average estimate based on two analysts.
- Service charges: $3.24 million versus the two-analyst average estimate of $3 million.
- Mortgage banking revenues: $1.26 million versus the two-analyst average estimate of $1.11 million.
View all Key Company Metrics for First Mid Bancshares here>>>
Shares of First Mid Bancshares have returned -3.1% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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First Mid Bancshares, Inc. (FMBH): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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