Compared to Estimates, First Mid Bancshares (FMBH) Q4 Earnings: A Look at Key Metrics

Core Insights - First Mid Bancshares (FMBH) reported revenue of $88.22 million for the quarter ended December 2025, reflecting a year-over-year increase of 3.4% but a revenue surprise of -3.54% compared to the Zacks Consensus Estimate of $91.45 million [1] - The earnings per share (EPS) for the quarter was $1.06, up from $0.87 in the same quarter last year, with an EPS surprise of +0.24% against the consensus estimate [1] Financial Performance Metrics - Efficiency Ratio was reported at 57.6%, better than the estimated 59.8% by analysts [4] - Net interest margin stood at 3.7%, slightly below the average estimate of 3.8% [4] - Average Earning Assets were $7.17 billion, exceeding the average estimate of $7.12 billion [4] - Non-interest Income was $21.69 million, lower than the average estimate of $24.59 million [4] - Net Interest Income (FTE) was $67.31 million, compared to the estimated $68.01 million [4] - Net Interest Income was reported at $66.53 million, below the estimate of $67.07 million [4] - ATM/debit card revenue was $3.95 million, compared to the average estimate of $4.15 million [4] - Wealth management revenues were $6.59 million, slightly below the estimate of $6.7 million [4] - Insurance commissions were reported at $7.44 million, exceeding the average estimate of $7.2 million [4] - Service charges were $3.16 million, above the estimate of $3.05 million [4] - Mortgage banking revenues were $0.62 million, significantly lower than the estimated $1 million [4] Stock Performance - Shares of First Mid Bancshares have returned +6.3% over the past month, outperforming the Zacks S&P 500 composite's +0.9% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]