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Side-by-side financial comparison of FIRST MID BANCSHARES, INC. (FMBH) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
CPI Card Group Inc. is the larger business by last-quarter revenue ($153.1M vs $88.2M, roughly 1.7× FIRST MID BANCSHARES, INC.). FIRST MID BANCSHARES, INC. runs the higher net margin — 26.8% vs 4.8%, a 22.0% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 3.4%). FIRST MID BANCSHARES, INC. produced more free cash flow last quarter ($124.0M vs $35.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% 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.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
FMBH vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $88.2M | $153.1M |
| Net Profit | $23.7M | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | 34.0% | 12.0% |
| Net Margin | 26.8% | 4.8% |
| Revenue YoY | 3.4% | 22.3% |
| Net Profit YoY | 23.5% | 8.5% |
| EPS (diluted) | $0.98 | $0.62 |
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 | $153.1M | ||
| Q3 25 | $89.3M | $138.0M | ||
| Q2 25 | $87.5M | $129.8M | ||
| Q1 25 | $84.3M | $122.8M | ||
| Q4 24 | $85.3M | $125.1M | ||
| Q3 24 | $80.6M | $124.8M | ||
| Q2 24 | $79.2M | $118.8M | ||
| Q1 24 | $79.9M | $111.9M |
| Q4 25 | $23.7M | $7.3M | ||
| Q3 25 | $22.5M | $2.3M | ||
| Q2 25 | $23.4M | $518.0K | ||
| Q1 25 | $22.2M | $4.8M | ||
| Q4 24 | $19.2M | $6.8M | ||
| Q3 24 | $19.5M | $1.3M | ||
| Q2 24 | $19.7M | $6.0M | ||
| Q1 24 | $20.5M | $5.5M |
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 37.1% |
| Q4 25 | 34.0% | 12.0% | ||
| Q3 25 | 32.2% | 9.4% | ||
| Q2 25 | 34.4% | 7.3% | ||
| Q1 25 | 33.4% | 11.5% | ||
| Q4 24 | 29.7% | 12.7% | ||
| Q3 24 | 31.5% | 14.3% | ||
| Q2 24 | 33.7% | 12.5% | ||
| Q1 24 | 33.7% | 12.6% |
| Q4 25 | 26.8% | 4.8% | ||
| Q3 25 | 25.2% | 1.7% | ||
| Q2 25 | 26.8% | 0.4% | ||
| Q1 25 | 26.3% | 3.9% | ||
| Q4 24 | 22.5% | 5.4% | ||
| Q3 24 | 24.2% | 1.0% | ||
| Q2 24 | 24.9% | 5.1% | ||
| Q1 24 | 25.6% | 4.9% |
| Q4 25 | $0.98 | $0.62 | ||
| Q3 25 | $0.94 | $0.19 | ||
| Q2 25 | $0.98 | $0.04 | ||
| Q1 25 | $0.93 | $0.40 | ||
| Q4 24 | $0.81 | $0.56 | ||
| Q3 24 | $0.81 | $0.11 | ||
| Q2 24 | $0.82 | $0.51 | ||
| Q1 24 | $0.86 | $0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $21.7M |
| Total DebtLower is stronger | $354.5M | $286.7M |
| Stockholders' EquityBook value | $958.7M | $-17.3M |
| Total Assets | $8.0B | $403.2M |
| Debt / EquityLower = less leverage | 0.37× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $21.7M | ||
| Q3 25 | — | $16.0M | ||
| Q2 25 | — | $17.1M | ||
| Q1 25 | — | $31.5M | ||
| Q4 24 | — | $33.5M | ||
| Q3 24 | — | $14.7M | ||
| Q2 24 | — | $7.5M | ||
| Q1 24 | — | $17.1M |
| Q4 25 | $354.5M | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | — | $265.3M |
| Q4 25 | $958.7M | $-17.3M | ||
| Q3 25 | $932.2M | $-25.7M | ||
| Q2 25 | $894.1M | $-29.0M | ||
| Q1 25 | $870.9M | $-29.7M | ||
| Q4 24 | $846.4M | $-35.6M | ||
| Q3 24 | $858.5M | $-42.8M | ||
| Q2 24 | $813.6M | $-44.6M | ||
| Q1 24 | $798.0M | $-48.5M |
| Q4 25 | $8.0B | $403.2M | ||
| Q3 25 | $7.8B | $407.1M | ||
| Q2 25 | $7.7B | $399.8M | ||
| Q1 25 | $7.6B | $351.9M | ||
| Q4 24 | $7.5B | $349.7M | ||
| Q3 24 | $7.6B | $342.3M | ||
| Q2 24 | $7.6B | $321.4M | ||
| Q1 24 | $7.7B | $319.8M |
| Q4 25 | 0.37× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $39.6M |
| Free Cash FlowOCF − Capex | $124.0M | $35.2M |
| FCF MarginFCF / Revenue | 140.6% | 23.0% |
| Capex IntensityCapex / Revenue | 7.8% | 2.9% |
| Cash ConversionOCF / Net Profit | 5.53× | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $207.9M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $130.9M | $39.6M | ||
| Q3 25 | $33.0M | $10.0M | ||
| Q2 25 | $7.7M | $4.3M | ||
| Q1 25 | $47.9M | $5.6M | ||
| Q4 24 | $124.4M | $26.7M | ||
| Q3 24 | $33.1M | $12.5M | ||
| Q2 24 | $24.0M | $-4.8M | ||
| Q1 24 | $29.0M | $8.9M |
| Q4 25 | $124.0M | $35.2M | ||
| Q3 25 | $31.9M | $5.3M | ||
| Q2 25 | $6.0M | $533.0K | ||
| Q1 25 | $46.0M | $292.0K | ||
| Q4 24 | $119.5M | $21.6M | ||
| Q3 24 | $32.0M | $11.1M | ||
| Q2 24 | $22.9M | $-6.0M | ||
| Q1 24 | $27.6M | $7.4M |
| Q4 25 | 140.6% | 23.0% | ||
| Q3 25 | 35.8% | 3.8% | ||
| Q2 25 | 6.8% | 0.4% | ||
| Q1 25 | 54.5% | 0.2% | ||
| Q4 24 | 140.0% | 17.3% | ||
| Q3 24 | 39.7% | 8.9% | ||
| Q2 24 | 28.9% | -5.0% | ||
| Q1 24 | 34.5% | 6.6% |
| Q4 25 | 7.8% | 2.9% | ||
| Q3 25 | 1.2% | 3.4% | ||
| Q2 25 | 2.0% | 2.9% | ||
| Q1 25 | 2.3% | 4.3% | ||
| Q4 24 | 5.8% | 4.0% | ||
| Q3 24 | 1.4% | 1.2% | ||
| Q2 24 | 1.4% | 1.0% | ||
| Q1 24 | 1.9% | 1.3% |
| Q4 25 | 5.53× | 5.39× | ||
| Q3 25 | 1.47× | 4.32× | ||
| Q2 25 | 0.33× | 8.39× | ||
| Q1 25 | 2.16× | 1.17× | ||
| Q4 24 | 6.49× | 3.94× | ||
| Q3 24 | 1.70× | 9.70× | ||
| Q2 24 | 1.21× | -0.79× | ||
| Q1 24 | 1.42× | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FMBH
Segment breakdown not available.
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
