First Mid Illinois Bancshares Inc (FMBH) — Cash Flow Quality Index
First Mid Illinois Bancshares Inc (FMBH) has a Cash Flow Quality Index of 1.78x as of December 2025. Operating cash flow of $42.20 Million exceeds net income of $23.68 Million, indicating high earnings quality where cash backs reported profits. Explore cash flow to debt ratio of First Mid Illinois Bancshares Inc to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
First Mid Illinois Bancshares Inc Cash Flow Quality Index (1994–2025)
Historical Cash Flow Quality Index for First Mid Illinois Bancshares Inc across 32 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see FMBH cash flow conversion.
Annual Cash Flow Quality Index for First Mid Illinois Bancshares Inc (1994–2025)
Year-by-year earnings quality comparison for First Mid Illinois Bancshares Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.43x | $130.87 Million | $91.75 Million | ▼ -9.5% |
| 2024 | 1.58x | $124.42 Million | $78.90 Million | ▲ +50.1% |
| 2023 | 1.05x | $72.42 Million | $68.94 Million | ▲ +16.4% |
| 2022 | 0.90x | $65.82 Million | $72.95 Million | ▼ -33.2% |
| 2021 | 1.35x | $69.60 Million | $51.49 Million | ▼ -3.7% |
| 2020 | 1.40x | $63.54 Million | $45.27 Million | ▲ +7.1% |
| 2019 | 1.31x | $62.83 Million | $47.94 Million | ▲ +13.7% |
| 2018 | 1.15x | $42.17 Million | $36.60 Million | ▼ -33.4% |
| 2017 | 1.73x | $46.15 Million | $26.68 Million | ▲ +37.8% |
| 2016 | 1.26x | $27.42 Million | $21.84 Million | ▼ -5.8% |
| 2015 | 1.33x | $22.00 Million | $16.51 Million | ▲ +15.9% |
| 2014 | 1.15x | $17.78 Million | $15.46 Million | ▼ -31.4% |
| 2013 | 1.68x | $24.66 Million | $14.72 Million | ▲ +2.6% |
| 2012 | 1.63x | $22.89 Million | $14.03 Million | ▼ -2.2% |
| 2011 | 1.67x | $18.98 Million | $11.37 Million | ▲ +94.7% |
| 2010 | 0.86x | $7.51 Million | $8.76 Million | ▼ -15.4% |
| 2009 | 1.01x | $8.32 Million | $8.21 Million | ▼ -30.0% |
| 2008 | 1.45x | $15.23 Million | $10.52 Million | ▲ +16.4% |
| 2007 | 1.24x | $12.63 Million | $10.16 Million | ▲ +21.4% |
| 2006 | 1.02x | $10.25 Million | $10.01 Million | ▼ -12.0% |
| 2005 | 1.16x | $11.41 Million | $9.81 Million | ▲ +1.5% |
| 2004 | 1.15x | $11.18 Million | $9.75 Million | ▼ -41.3% |
| 2003 | 1.95x | $17.76 Million | $9.09 Million | ▲ +71.7% |
| 2002 | 1.14x | $9.14 Million | $8.03 Million | ▲ +64.7% |
| 2001 | 0.69x | $4.50 Million | $6.52 Million | ▼ -54.9% |
| 2000 | 1.53x | $8.66 Million | $5.66 Million | ▼ -46.6% |
| 1999 | 2.86x | $14.98 Million | $5.23 Million | ▲ +2022.0% |
| 1998 | 0.13x | $683.00K | $5.06 Million | ▼ -88.4% |
| 1997 | 1.16x | $5.50 Million | $4.73 Million | ▲ +42.6% |
| 1996 | 0.82x | $3.40 Million | $4.17 Million | ▼ -45.4% |
| 1995 | 1.49x | $5.86 Million | $3.92 Million | ▼ -10.1% |
| 1994 | 1.66x | $5.71 Million | $3.43 Million | — |