Is FITBM or FMBH more undervalued in 2026?

CirclFi compares Fifth Third Bancorp - Depositar (FITBM) and First Mid Bancshares, Inc. (FMBH) using 13 institutional-grade valuation models. FITBM has a Quality of Company score of 8.2/10 while FMBH scores 9.3/10.

Which is a better buy — FITBM or FMBH?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FITBM and FMBH valuations compare?

FITBM at $26.33 and FMBH at $43.90 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FITBM vs FMBH Valuation Comparison 2026 — Intrinsic Value Analysis

FITBM

Banks - Regional

Fifth Third Bancorp - Depositar

Quality

8.2

out of 10

Value Trap

SAFE

Price

$26.33

Last close

Models

10/13

Active

FMBH

Banks - Regional

First Mid Bancshares, Inc.

Quality

9.3

out of 10

Value Trap

SAFE

Price

$43.90

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	FITBM Fair Value	FITBM Upside	FMBH Fair Value	FMBH Upside
Bayesian DCF	Intrinsic	$5.08	-80.7%	$26.22	-40.3%
Earnings Power Value	Intrinsic	$9.48	-64.0%	$35.38	-19.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for FITBM vs FMBH — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

FITBM vs FMBH — Which Stock Is More Undervalued?

FMBH scores higher with a 9.3/10 quality rating vs FITBM's 8.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Fifth Third Bancorp - Depositar (FITBM) and First Mid Bancshares, Inc. (FMBH) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FITBM currently trades at $26.33 with a QOC of 8.2/10, while FMBH trades at $43.90 with a QOC of 9.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).