First Mid Illinois Bancshares Inc (FMBH) — Cash Flow-to-Debt Ratio
First Mid Illinois Bancshares Inc (FMBH) has a Cash Flow-to-Debt Ratio of 0.01x as of December 2025, meaning its operating cash flow of $42.20 Million could theoretically repay 0% of its total liabilities ($7.01 Billion) in one year. See First Mid Illinois Bancshares Inc leverage flexibility ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
First Mid Illinois Bancshares Inc Cash Flow-to-Debt Ratio (1994–2025)
Historical debt coverage capacity for First Mid Illinois Bancshares Inc across 32 annual periods. For the full cash flow conversion analysis, see FMBH operating cash flow.
Annual Cash Flow-to-Debt Ratio for First Mid Illinois Bancshares Inc (1994–2025)
Year-by-year debt coverage analysis for First Mid Illinois Bancshares Inc. Check FMBH cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $130.87 Million | $7.01 Billion | ▲ +0.2% |
| 2024 | 0.02x | $124.42 Million | $6.67 Billion | ▲ +74.9% |
| 2023 | 0.01x | $72.42 Million | $6.79 Billion | ▼ -1.0% |
| 2022 | 0.01x | $65.82 Million | $6.11 Billion | ▼ -17.2% |
| 2021 | 0.01x | $69.60 Million | $5.35 Billion | ▼ -14.9% |
| 2020 | 0.02x | $63.54 Million | $4.16 Billion | ▼ -19.4% |
| 2019 | 0.02x | $62.83 Million | $3.31 Billion | ▲ +51.3% |
| 2018 | 0.01x | $42.17 Million | $3.36 Billion | ▼ -31.2% |
| 2017 | 0.02x | $46.15 Million | $2.53 Billion | ▲ +73.0% |
| 2016 | 0.01x | $27.42 Million | $2.60 Billion | ▼ -8.6% |
| 2015 | 0.01x | $22.00 Million | $1.91 Billion | ▼ -6.5% |
| 2014 | 0.01x | $17.78 Million | $1.44 Billion | ▼ -27.2% |
| 2013 | 0.02x | $24.66 Million | $1.46 Billion | ▲ +5.2% |
| 2012 | 0.02x | $22.89 Million | $1.42 Billion | ▲ +15.4% |
| 2011 | 0.01x | $18.98 Million | $1.36 Billion | ▲ +152.0% |
| 2010 | 0.01x | $7.51 Million | $1.36 Billion | ▼ -34.6% |
| 2009 | 0.01x | $8.32 Million | $983.93 Million | ▼ -46.3% |
| 2008 | 0.02x | $15.23 Million | $966.92 Million | ▲ +16.7% |
| 2007 | 0.01x | $12.63 Million | $935.89 Million | ▲ +19.2% |
| 2006 | 0.01x | $10.25 Million | $904.77 Million | ▼ -22.7% |
| 2005 | 0.01x | $11.41 Million | $778.25 Million | ▼ -0.7% |
| 2004 | 0.01x | $11.18 Million | $757.57 Million | ▼ -39.9% |
| 2003 | 0.02x | $17.76 Million | $723.39 Million | ▲ +90.6% |
| 2002 | 0.01x | $9.14 Million | $709.43 Million | ▲ +83.8% |
| 2001 | 0.01x | $4.50 Million | $642.05 Million | ▼ -52.6% |
| 2000 | 0.01x | $8.66 Million | $585.27 Million | ▼ -45.7% |
| 1999 | 0.03x | $14.98 Million | $549.59 Million | ▲ +1912.1% |
| 1998 | 0.00x | $683.00K | $504.18 Million | ▼ -88.0% |
| 1997 | 0.01x | $5.50 Million | $487.40 Million | ▲ +57.8% |
| 1996 | 0.01x | $3.40 Million | $475.49 Million | ▼ -46.7% |
| 1995 | 0.01x | $5.86 Million | $437.19 Million | ▼ -1.1% |
| 1994 | 0.01x | $5.71 Million | $420.56 Million | — |