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Side-by-side financial comparison of FIRST MID BANCSHARES, INC. (FMBH) and NACCO INDUSTRIES INC (NC). Click either name above to swap in a different company.
FIRST MID BANCSHARES, INC. is the larger business by last-quarter revenue ($88.2M vs $66.8M, roughly 1.3× NACCO INDUSTRIES INC). FIRST MID BANCSHARES, INC. runs the higher net margin — 26.8% vs -5.8%, a 32.6% gap on every dollar of revenue. On growth, FIRST MID BANCSHARES, INC. posted the faster year-over-year revenue change (3.4% vs -5.2%). Over the past eight quarters, NACCO INDUSTRIES INC's revenue compounded faster (11.9% CAGR vs 5.0%).
First Mid Bancshares Inc. is a U.S.-headquartered regional financial services holding company. It provides full-range retail and commercial banking products, wealth management, insurance solutions, and agricultural financing, mainly serving individual consumers, small and medium-sized enterprises, and agricultural clients across multiple Midwestern states including Illinois, Missouri, and Indiana.
NACCO Industries, Inc. is an American publicly traded holding company, headquartered in Cleveland, Ohio. Through a portfolio of mining and natural resources businesses, the company operates under three business segments: Coal Mining, North American Mining, and Minerals Management. The Coal Mining segment operates surface coal mines under long-term contracts with power generation companies and an activated carbon producer pursuant to a service-based business model. The North American Mining se...
FMBH vs NC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $88.2M | $66.8M |
| Net Profit | $23.7M | $-3.8M |
| Gross Margin | — | 18.0% |
| Operating Margin | 34.0% | 11.3% |
| Net Margin | 26.8% | -5.8% |
| Revenue YoY | 3.4% | -5.2% |
| Net Profit YoY | 23.5% | -150.8% |
| EPS (diluted) | $0.98 | $-0.53 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $88.2M | $66.8M | ||
| Q3 25 | $89.3M | $76.6M | ||
| Q2 25 | $87.5M | $68.2M | ||
| Q1 25 | $84.3M | $65.6M | ||
| Q4 24 | $85.3M | $70.4M | ||
| Q3 24 | $80.6M | $61.7M | ||
| Q2 24 | $79.2M | $52.3M | ||
| Q1 24 | $79.9M | $53.3M |
| Q4 25 | $23.7M | $-3.8M | ||
| Q3 25 | $22.5M | $13.3M | ||
| Q2 25 | $23.4M | $3.3M | ||
| Q1 25 | $22.2M | $4.9M | ||
| Q4 24 | $19.2M | $7.6M | ||
| Q3 24 | $19.5M | $15.6M | ||
| Q2 24 | $19.7M | $6.0M | ||
| Q1 24 | $20.5M | $4.6M |
| Q4 25 | — | 18.0% | ||
| Q3 25 | — | 13.0% | ||
| Q2 25 | — | 10.0% | ||
| Q1 25 | — | 14.7% | ||
| Q4 24 | — | 12.0% | ||
| Q3 24 | — | 11.7% | ||
| Q2 24 | — | 13.4% | ||
| Q1 24 | — | 13.2% |
| Q4 25 | 34.0% | 11.3% | ||
| Q3 25 | 32.2% | 8.8% | ||
| Q2 25 | 34.4% | -0.1% | ||
| Q1 25 | 33.4% | 11.7% | ||
| Q4 24 | 29.7% | 5.5% | ||
| Q3 24 | 31.5% | 31.9% | ||
| Q2 24 | 33.7% | 14.1% | ||
| Q1 24 | 33.7% | 8.9% |
| Q4 25 | 26.8% | -5.8% | ||
| Q3 25 | 25.2% | 17.3% | ||
| Q2 25 | 26.8% | 4.8% | ||
| Q1 25 | 26.3% | 7.5% | ||
| Q4 24 | 22.5% | 10.7% | ||
| Q3 24 | 24.2% | 25.4% | ||
| Q2 24 | 24.9% | 11.4% | ||
| Q1 24 | 25.6% | 8.6% |
| Q4 25 | $0.98 | $-0.53 | ||
| Q3 25 | $0.94 | $1.78 | ||
| Q2 25 | $0.98 | $0.44 | ||
| Q1 25 | $0.93 | $0.66 | ||
| Q4 24 | $0.81 | $0.99 | ||
| Q3 24 | $0.81 | $2.14 | ||
| Q2 24 | $0.82 | $0.81 | ||
| Q1 24 | $0.86 | $0.61 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $49.7M |
| Total DebtLower is stronger | $354.5M | $100.8M |
| Stockholders' EquityBook value | $958.7M | $429.2M |
| Total Assets | $8.0B | $661.2M |
| Debt / EquityLower = less leverage | 0.37× | 0.23× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $49.7M | ||
| Q3 25 | — | $52.7M | ||
| Q2 25 | — | $49.4M | ||
| Q1 25 | — | $61.9M | ||
| Q4 24 | — | $72.8M | ||
| Q3 24 | — | $63.1M | ||
| Q2 24 | — | $62.4M | ||
| Q1 24 | — | $61.8M |
| Q4 25 | $354.5M | $100.8M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $99.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $29.0M | ||
| Q1 24 | — | $28.4M |
| Q4 25 | $958.7M | $429.2M | ||
| Q3 25 | $932.2M | $426.4M | ||
| Q2 25 | $894.1M | $413.1M | ||
| Q1 25 | $870.9M | $409.1M | ||
| Q4 24 | $846.4M | $404.9M | ||
| Q3 24 | $858.5M | $397.3M | ||
| Q2 24 | $813.6M | $384.1M | ||
| Q1 24 | $798.0M | $381.6M |
| Q4 25 | $8.0B | $661.2M | ||
| Q3 25 | $7.8B | $637.6M | ||
| Q2 25 | $7.7B | $631.3M | ||
| Q1 25 | $7.6B | $634.2M | ||
| Q4 24 | $7.5B | $631.7M | ||
| Q3 24 | $7.6B | $597.4M | ||
| Q2 24 | $7.6B | $560.1M | ||
| Q1 24 | $7.7B | $538.0M |
| Q4 25 | 0.37× | 0.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.08× | ||
| Q1 24 | — | 0.07× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $130.9M | $11.4M |
| Free Cash FlowOCF − Capex | $124.0M | — |
| FCF MarginFCF / Revenue | 140.6% | — |
| Capex IntensityCapex / Revenue | 7.8% | — |
| Cash ConversionOCF / Net Profit | 5.53× | — |
| TTM Free Cash FlowTrailing 4 quarters | $207.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $130.9M | $11.4M | ||
| Q3 25 | $33.0M | $42.3M | ||
| Q2 25 | $7.7M | $-7.8M | ||
| Q1 25 | $47.9M | $5.0M | ||
| Q4 24 | $124.4M | $25.2M | ||
| Q3 24 | $33.1M | $2.8M | ||
| Q2 24 | $24.0M | $4.1M | ||
| Q1 24 | $29.0M | $-9.8M |
| Q4 25 | $124.0M | — | ||
| Q3 25 | $31.9M | — | ||
| Q2 25 | $6.0M | — | ||
| Q1 25 | $46.0M | — | ||
| Q4 24 | $119.5M | — | ||
| Q3 24 | $32.0M | — | ||
| Q2 24 | $22.9M | — | ||
| Q1 24 | $27.6M | — |
| Q4 25 | 140.6% | — | ||
| Q3 25 | 35.8% | — | ||
| Q2 25 | 6.8% | — | ||
| Q1 25 | 54.5% | — | ||
| Q4 24 | 140.0% | — | ||
| Q3 24 | 39.7% | — | ||
| Q2 24 | 28.9% | — | ||
| Q1 24 | 34.5% | — |
| Q4 25 | 7.8% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 2.0% | — | ||
| Q1 25 | 2.3% | — | ||
| Q4 24 | 5.8% | — | ||
| Q3 24 | 1.4% | — | ||
| Q2 24 | 1.4% | — | ||
| Q1 24 | 1.9% | — |
| Q4 25 | 5.53× | — | ||
| Q3 25 | 1.47× | 3.19× | ||
| Q2 25 | 0.33× | -2.39× | ||
| Q1 25 | 2.16× | 1.03× | ||
| Q4 24 | 6.49× | 3.33× | ||
| Q3 24 | 1.70× | 0.18× | ||
| Q2 24 | 1.21× | 0.68× | ||
| Q1 24 | 1.42× | -2.14× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FMBH
Segment breakdown not available.
NC
| Transferred Over Time | $42.7M | 64% |
| Transferred At Point In Time | $24.1M | 36% |
