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Side-by-side financial comparison of FIRST MID BANCSHARES, INC. (FMBH) and UNIVEST FINANCIAL Corp (UVSP). 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 $84.6M, roughly 1.0× UNIVEST FINANCIAL Corp). UNIVEST FINANCIAL Corp runs the higher net margin — 26.9% vs 26.8%, a 0.1% gap on every dollar of revenue. On growth, UNIVEST FINANCIAL Corp posted the faster year-over-year revenue change (10.1% vs 3.4%). FIRST MID BANCSHARES, INC. produced more free cash flow last quarter ($124.0M vs $96.9M). Over the past eight quarters, FIRST MID BANCSHARES, INC.'s revenue compounded faster (5.0% CAGR vs 4.8%).
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.
Univest Financial Corp is a U.S. regional financial services holding company based in Pennsylvania. It offers banking, wealth management, insurance, and lending solutions for individual consumers, SMEs, and institutional clients across its Mid-Atlantic operating regions.
FMBH vs UVSP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $88.2M | $84.6M |
| Net Profit | $23.7M | $22.7M |
| Gross Margin | — | — |
| Operating Margin | 34.0% | 34.0% |
| Net Margin | 26.8% | 26.9% |
| Revenue YoY | 3.4% | 10.1% |
| Net Profit YoY | 23.5% | 20.1% |
| EPS (diluted) | $0.98 | $0.78 |
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 | $84.6M | ||
| Q3 25 | $89.3M | $83.2M | ||
| Q2 25 | $87.5M | $81.0M | ||
| Q1 25 | $84.3M | $79.2M | ||
| Q4 24 | $85.3M | $76.8M | ||
| Q3 24 | $80.6M | $73.4M | ||
| Q2 24 | $79.2M | $72.0M | ||
| Q1 24 | $79.9M | $77.1M |
| Q4 25 | $23.7M | $22.7M | ||
| Q3 25 | $22.5M | $25.6M | ||
| Q2 25 | $23.4M | $20.0M | ||
| Q1 25 | $22.2M | $22.4M | ||
| Q4 24 | $19.2M | $18.9M | ||
| Q3 24 | $19.5M | $18.6M | ||
| Q2 24 | $19.7M | $18.1M | ||
| Q1 24 | $20.5M | $20.3M |
| Q4 25 | 34.0% | 34.0% | ||
| Q3 25 | 32.2% | 38.5% | ||
| Q2 25 | 34.4% | 30.9% | ||
| Q1 25 | 33.4% | 34.8% | ||
| Q4 24 | 29.7% | 30.9% | ||
| Q3 24 | 31.5% | 31.9% | ||
| Q2 24 | 33.7% | 31.4% | ||
| Q1 24 | 33.7% | 33.2% |
| Q4 25 | 26.8% | 26.9% | ||
| Q3 25 | 25.2% | 30.8% | ||
| Q2 25 | 26.8% | 24.7% | ||
| Q1 25 | 26.3% | 28.3% | ||
| Q4 24 | 22.5% | 24.7% | ||
| Q3 24 | 24.2% | 25.3% | ||
| Q2 24 | 24.9% | 25.1% | ||
| Q1 24 | 25.6% | 26.3% |
| Q4 25 | $0.98 | $0.78 | ||
| Q3 25 | $0.94 | $0.89 | ||
| Q2 25 | $0.98 | $0.69 | ||
| Q1 25 | $0.93 | $0.77 | ||
| Q4 24 | $0.81 | $0.64 | ||
| Q3 24 | $0.81 | $0.63 | ||
| Q2 24 | $0.82 | $0.62 | ||
| Q1 24 | $0.86 | $0.69 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | $354.5M | — |
| Stockholders' EquityBook value | $958.7M | $943.3M |
| Total Assets | $8.0B | $8.4B |
| Debt / EquityLower = less leverage | 0.37× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $354.5M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $958.7M | $943.3M | ||
| Q3 25 | $932.2M | $933.2M | ||
| Q2 25 | $894.1M | $916.7M | ||
| Q1 25 | $870.9M | $903.5M | ||
| Q4 24 | $846.4M | $887.3M | ||
| Q3 24 | $858.5M | $877.1M | ||
| Q2 24 | $813.6M | $854.1M | ||
| Q1 24 | $798.0M | $843.7M |
| Q4 25 | $8.0B | $8.4B | ||
| Q3 25 | $7.8B | $8.6B | ||
| Q2 25 | $7.7B | $7.9B | ||
| Q1 25 | $7.6B | $8.0B | ||
| Q4 24 | $7.5B | $8.1B | ||
| Q3 24 | $7.6B | $8.2B | ||
| Q2 24 | $7.6B | $7.9B | ||
| Q1 24 | $7.7B | $7.7B |
| 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 | $101.5M |
| Free Cash FlowOCF − Capex | $124.0M | $96.9M |
| FCF MarginFCF / Revenue | 140.6% | 114.6% |
| Capex IntensityCapex / Revenue | 7.8% | 5.4% |
| Cash ConversionOCF / Net Profit | 5.53× | 4.46× |
| TTM Free Cash FlowTrailing 4 quarters | $207.9M | $163.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $130.9M | $101.5M | ||
| Q3 25 | $33.0M | $32.0M | ||
| Q2 25 | $7.7M | $23.3M | ||
| Q1 25 | $47.9M | $15.6M | ||
| Q4 24 | $124.4M | $75.1M | ||
| Q3 24 | $33.1M | $38.9M | ||
| Q2 24 | $24.0M | $-3.4M | ||
| Q1 24 | $29.0M | $11.6M |
| Q4 25 | $124.0M | $96.9M | ||
| Q3 25 | $31.9M | $31.4M | ||
| Q2 25 | $6.0M | $21.9M | ||
| Q1 25 | $46.0M | $13.7M | ||
| Q4 24 | $119.5M | $72.0M | ||
| Q3 24 | $32.0M | $38.3M | ||
| Q2 24 | $22.9M | $-4.2M | ||
| Q1 24 | $27.6M | $10.5M |
| Q4 25 | 140.6% | 114.6% | ||
| Q3 25 | 35.8% | 37.7% | ||
| Q2 25 | 6.8% | 27.0% | ||
| Q1 25 | 54.5% | 17.2% | ||
| Q4 24 | 140.0% | 93.8% | ||
| Q3 24 | 39.7% | 52.2% | ||
| Q2 24 | 28.9% | -5.9% | ||
| Q1 24 | 34.5% | 13.7% |
| Q4 25 | 7.8% | 5.4% | ||
| Q3 25 | 1.2% | 0.7% | ||
| Q2 25 | 2.0% | 1.7% | ||
| Q1 25 | 2.3% | 2.5% | ||
| Q4 24 | 5.8% | 4.0% | ||
| Q3 24 | 1.4% | 0.8% | ||
| Q2 24 | 1.4% | 1.1% | ||
| Q1 24 | 1.9% | 1.3% |
| Q4 25 | 5.53× | 4.46× | ||
| Q3 25 | 1.47× | 1.25× | ||
| Q2 25 | 0.33× | 1.16× | ||
| Q1 25 | 2.16× | 0.70× | ||
| Q4 24 | 6.49× | 3.97× | ||
| Q3 24 | 1.70× | 2.09× | ||
| Q2 24 | 1.21× | -0.19× | ||
| Q1 24 | 1.42× | 0.57× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FMBH
Segment breakdown not available.
UVSP
| Banking1 | $73.5M | 87% |
| Investment Advice | $6.1M | 7% |
| Financial Service Other | $2.7M | 3% |
| Fiduciary And Trust | $2.3M | 3% |
