vs

Side-by-side financial comparison of FIRST MID BANCSHARES, INC. (FMBH) and TOYO Co., Ltd (TOYO). Click either name above to swap in a different company.

TOYO Co., Ltd is the larger business by last-quarter revenue ($139.1M vs $88.2M, roughly 1.6× FIRST MID BANCSHARES, INC.). FIRST MID BANCSHARES, INC. runs the higher net margin — 26.8% vs 2.5%, a 24.3% gap on every dollar of revenue. On growth, FIRST MID BANCSHARES, INC. posted the faster year-over-year revenue change (3.4% vs 0.7%). FIRST MID BANCSHARES, INC. produced more free cash flow last quarter ($124.0M vs $-7.1M).

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.

Toyo Tire Corporation , commonly known as Toyo Tires, is a multinational tire and rubber products company based in Itami, Japan. The company owns and operates eight factories in Asia, North America, and Europe and distributes tires and automotive components through fourteen sales companies throughout the world.

FMBH vs TOYO — Head-to-Head

Bigger by revenue
TOYO
TOYO
1.6× larger
TOYO
$139.1M
$88.2M
FMBH
Growing faster (revenue YoY)
FMBH
FMBH
+2.7% gap
FMBH
3.4%
0.7%
TOYO
Higher net margin
FMBH
FMBH
24.3% more per $
FMBH
26.8%
2.5%
TOYO
More free cash flow
FMBH
FMBH
$131.1M more FCF
FMBH
$124.0M
$-7.1M
TOYO

Income Statement — Q4 FY2025 vs Q2 FY2025

Metric
FMBH
FMBH
TOYO
TOYO
Revenue
$88.2M
$139.1M
Net Profit
$23.7M
$3.5M
Gross Margin
16.6%
Operating Margin
34.0%
7.0%
Net Margin
26.8%
2.5%
Revenue YoY
3.4%
0.7%
Net Profit YoY
23.5%
-82.3%
EPS (diluted)
$0.98
$0.10

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.

Revenue
FMBH
FMBH
TOYO
TOYO
Q4 25
$88.2M
Q3 25
$89.3M
Q2 25
$87.5M
$139.1M
Q1 25
$84.3M
Q4 24
$85.3M
Q3 24
$80.6M
Q2 24
$79.2M
$138.1M
Q1 24
$79.9M
Net Profit
FMBH
FMBH
TOYO
TOYO
Q4 25
$23.7M
Q3 25
$22.5M
Q2 25
$23.4M
$3.5M
Q1 25
$22.2M
Q4 24
$19.2M
Q3 24
$19.5M
Q2 24
$19.7M
$19.6M
Q1 24
$20.5M
Gross Margin
FMBH
FMBH
TOYO
TOYO
Q4 25
Q3 25
Q2 25
16.6%
Q1 25
Q4 24
Q3 24
Q2 24
19.3%
Q1 24
Operating Margin
FMBH
FMBH
TOYO
TOYO
Q4 25
34.0%
Q3 25
32.2%
Q2 25
34.4%
7.0%
Q1 25
33.4%
Q4 24
29.7%
Q3 24
31.5%
Q2 24
33.7%
16.3%
Q1 24
33.7%
Net Margin
FMBH
FMBH
TOYO
TOYO
Q4 25
26.8%
Q3 25
25.2%
Q2 25
26.8%
2.5%
Q1 25
26.3%
Q4 24
22.5%
Q3 24
24.2%
Q2 24
24.9%
14.2%
Q1 24
25.6%
EPS (diluted)
FMBH
FMBH
TOYO
TOYO
Q4 25
$0.98
Q3 25
$0.94
Q2 25
$0.98
$0.10
Q1 25
$0.93
Q4 24
$0.81
Q3 24
$0.81
Q2 24
$0.82
$0.48
Q1 24
$0.86

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
FMBH
FMBH
TOYO
TOYO
Cash + ST InvestmentsLiquidity on hand
Total DebtLower is stronger
$354.5M
$13.7M
Stockholders' EquityBook value
$958.7M
$67.0M
Total Assets
$8.0B
$353.6M
Debt / EquityLower = less leverage
0.37×
0.20×

8-quarter trend — quarters aligned by calendar period.

Total Debt
FMBH
FMBH
TOYO
TOYO
Q4 25
$354.5M
Q3 25
Q2 25
$13.7M
Q1 25
Q4 24
Q3 24
Q2 24
$22.4M
Q1 24
Stockholders' Equity
FMBH
FMBH
TOYO
TOYO
Q4 25
$958.7M
Q3 25
$932.2M
Q2 25
$894.1M
$67.0M
Q1 25
$870.9M
Q4 24
$846.4M
Q3 24
$858.5M
Q2 24
$813.6M
$73.4M
Q1 24
$798.0M
Total Assets
FMBH
FMBH
TOYO
TOYO
Q4 25
$8.0B
Q3 25
$7.8B
Q2 25
$7.7B
$353.6M
Q1 25
$7.6B
Q4 24
$7.5B
Q3 24
$7.6B
Q2 24
$7.6B
$241.4M
Q1 24
$7.7B
Debt / Equity
FMBH
FMBH
TOYO
TOYO
Q4 25
0.37×
Q3 25
Q2 25
0.20×
Q1 25
Q4 24
Q3 24
Q2 24
0.31×
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
FMBH
FMBH
TOYO
TOYO
Operating Cash FlowLast quarter
$130.9M
$40.0M
Free Cash FlowOCF − Capex
$124.0M
$-7.1M
FCF MarginFCF / Revenue
140.6%
-5.1%
Capex IntensityCapex / Revenue
7.8%
33.9%
Cash ConversionOCF / Net Profit
5.53×
11.55×
TTM Free Cash FlowTrailing 4 quarters
$207.9M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
FMBH
FMBH
TOYO
TOYO
Q4 25
$130.9M
Q3 25
$33.0M
Q2 25
$7.7M
$40.0M
Q1 25
$47.9M
Q4 24
$124.4M
Q3 24
$33.1M
Q2 24
$24.0M
$21.8M
Q1 24
$29.0M
Free Cash Flow
FMBH
FMBH
TOYO
TOYO
Q4 25
$124.0M
Q3 25
$31.9M
Q2 25
$6.0M
$-7.1M
Q1 25
$46.0M
Q4 24
$119.5M
Q3 24
$32.0M
Q2 24
$22.9M
$5.2M
Q1 24
$27.6M
FCF Margin
FMBH
FMBH
TOYO
TOYO
Q4 25
140.6%
Q3 25
35.8%
Q2 25
6.8%
-5.1%
Q1 25
54.5%
Q4 24
140.0%
Q3 24
39.7%
Q2 24
28.9%
3.8%
Q1 24
34.5%
Capex Intensity
FMBH
FMBH
TOYO
TOYO
Q4 25
7.8%
Q3 25
1.2%
Q2 25
2.0%
33.9%
Q1 25
2.3%
Q4 24
5.8%
Q3 24
1.4%
Q2 24
1.4%
12.0%
Q1 24
1.9%
Cash Conversion
FMBH
FMBH
TOYO
TOYO
Q4 25
5.53×
Q3 25
1.47×
Q2 25
0.33×
11.55×
Q1 25
2.16×
Q4 24
6.49×
Q3 24
1.70×
Q2 24
1.21×
1.11×
Q1 24
1.42×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Related Comparisons