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Market Price

9.00 

0.10 1.1%

as of Sep 27 '20

52 Week Range:

9.00 21.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

First Midwest Bancorp, Inc. operates as the bank holding company for First Midwest Bank that provides various banking products and services. The company accepts checking, NOW, money market, and savings accounts, as well as various types of short-term and long-term certificates of deposit. Its loan products include working capital loans; accounts receivable financing; inventory and equipment financing; sector-based lending, including healthcare, asset-based lending, structured finance, and syndications; agricultural loans; and mortgages, home equity lines and loans, personal loans, specialty loans, and consumer secured and unsecured loans, as well as funding for the construction, purchase, refinance, or improvement of commercial real estate properties. In addition, the company offers treasury management products and services comprising automated clearing house collection, lockbox, remote deposit capture, and financial electronic data interchange; wire transfer, account reconciliation, controlled disbursement, direct deposit, and positive pay services; information reporting services; corporate credit cards; and liquidity management, fraud prevention, and merchant services. Further, it provides fiduciary and executor, financial planning, investment advisory, employee benefit plan, and private banking services to corporate and public retirement plans, foundations and endowments, high net worth individuals, and multi-employer trust funds. Additionally, the company offers debit and automated teller machine, and credit cards; Internet and mobile, and telephone banking services; and financial education services. The company operates 127 locations and 178 automated teller machines in metropolitan Chicago, southeast Wisconsin, northwest Indiana, central and western Illinois, and eastern Iowa. First Midwest Bancorp, Inc. was incorporated in 1982 and is headquartered in Chicago, Illinois.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 11.12
13.48
14.76
15.21
15.77
19.03
growth rate 21.2% 9.5% 3.1% 3.7% 20.7%
Earnings BIT 113.11
134.67
157.30
209.48
growth rate 19.1% 16.8% 33.2%
Avg.PE 20.30
20.12
20.88
12.61
10.44
growth rate -0.9% 3.8% -39.6% -17.2%
ROA -0.44
-0.25
0.32
-0.26
0.96
0.77
0.85
0.86
0.76
1.06
1.19
growth rate 0.0% 100.0% -100.0% 100.0% -19.8% 10.4% 1.2% -11.6% 39.5% 12.3%
ROE -4.84
-2.36
2.70
-2.18
8.05
6.51
7.23
7.60
6.24
7.99
8.95
growth rate 0.0% 100.0% -100.0% 100.0% -19.1% 11.1% 5.1% -17.9% 28.0% 12.0%
Leverage 10.26
8.84
8.28
8.61
8.24
8.58
8.49
9.09
7.55
7.55
7.53
growth rate -13.8% -6.3% 4.0% -4.3% 4.1% -1.1% 7.1% -16.9% 0.0% -0.3%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 190.91
178.46
278.27
221.45
growth rate -6.5% 55.9% -20.4%
Acct.Payable 7,887.76
8,097.74
8,828.60
11,053.33
12,084.11
13,251.28
growth rate 2.7% 9.0% 25.2% 9.3% 9.7%
Cur.Assets 704.67
484.40
369.90
475.30
392.46
477.86
growth rate -31.3% -23.6% 28.5% -17.4% 21.8%
Total Assets 9,445.14
9,732.68
11,422.56
14,077.05
15,505.65
17,850.40
growth rate 3.0% 17.4% 23.2% 10.2% 15.1%
Cash 546.26
314.30
176.75
225.57
140.06
163.82
growth rate -42.5% -43.8% 27.6% -37.9% 17.0%
Inventory 34.97
27.78
26.08
20.85
12.82
20.46
growth rate -20.6% -6.1% -20.1% -38.5% 59.6%
Cur.Liabilities 8,040.06
8,439.44
9,732.18
11,798.16
13,029.06
13,561.69
growth rate 5.0% 15.3% 21.2% 10.4% 4.1%
Liabilities 8,344.36
8,586.41
10,165.48
12,212.18
13,450.65
15,479.60
growth rate 2.9% 18.4% 20.1% 10.1% 15.1%
LT Debt 201.02
47.91
194.60
195.17
203.81
1,629.19
growth rate -76.2% 306.2% 0.3% 4.4% 699.4%
Equity 1,100.78
1,146.27
1,257.08
1,864.87
2,055.00
2,370.79
growth rate 4.1% 9.7% 48.4% 10.2% 15.4%
Common Shares 50.00
72.00
73.00
74.00
74.00
74.00
77.00
80.00
101.00
103.00
109.00
growth rate 44.0% 1.4% 1.4% 0.0% 0.0% 4.1% 3.9% 26.3% 2.0% 5.8%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 14.09
11.27
19.08
16.12
27.80
20.33
growth rate -20.0% 69.3% -15.5% 72.4% -26.9%
Cash Dividends 22.57
27.04
29.20
37.13
44.29
56.54
growth rate 19.8% 8.0% 27.2% 19.3% 27.7%
Cash From OA 125.94
157.75
121.73
234.27
253.18
227.11
growth rate 25.3% -22.8% 92.5% 8.1% -10.3%
FCF per Share 1.17
1.38
1.82
-0.45
3.85
1.60
growth rate 18.0% 31.9% -100.0% 100.0% -58.4%
Sale Purchase of Stock -0.12
-0.12
growth rate 0.0%
FCF 80.00
171.00
156.00
161.00
122.00
109.00
147.00
102.00
218.00
225.00
207.00
growth rate 113.8% -8.8% 3.2% -24.2% -10.7% 34.9% -30.6% 113.7% 3.2% -8.0%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 386.36
427.03
472.51
603.86
608.13
706.46
growth rate 10.5% 10.7% 27.8% 0.7% 16.2%
Op.Income 129.31
141.08
161.34
229.61
246.27
310.23
growth rate 9.1% 14.4% 42.3% 7.3% 26.0%
IBT 100.48
119.81
138.52
187.95
197.06
265.94
growth rate 19.2% 15.6% 35.7% 4.8% 35.0%
Net Income 69.31
82.06
92.35
98.39
157.87
199.74
growth rate 18.4% 12.5% 6.5% 60.5% 26.5%
EPS -0.71
-0.27
0.35
-0.28
1.06
0.92
1.05
1.14
0.96
1.52
1.82
growth rate 0.0% 100.0% -100.0% 100.0% -13.2% 14.1% 8.6% -15.8% 58.3% 19.7%
Gross Profit 386.36
427.03
472.51
603.86
608.13
706.46
growth rate 10.5% 10.7% 27.8% 0.7% 16.2%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable
growth rate
Acct.Payable 13,188.59
13,440.93
13,251.28
14,098.95
15,657.66
growth rate 1.9% -1.4% 6.4% 11.1%
Cur.Assets 491.76
688.83
477.86
769.77
1,259.94
growth rate 40.1% -30.6% 61.1% 63.7%
Total Assets 17,462.23
18,013.45
17,850.40
19,753.30
21,244.88
growth rate 3.2% -0.9% 10.7% 7.6%
Cash 326.65
475.67
163.82
481.61
942.30
growth rate 45.6% -65.6% 194.0% 95.7%
Inventory 28.49
25.27
20.46
21.03
19.02
growth rate -11.3% -19.0% 2.8% -9.5%
Cur.Liabilities 14,632.25
15,135.82
13,561.69
14,548.55
16,060.25
growth rate 3.4% -10.4% 7.3% 10.4%
Liabilities 15,161.66
15,673.86
15,479.60
17,317.59
18,588.67
growth rate 3.4% -1.2% 11.9% 7.3%
LT Debt 233.54
233.74
1,629.19
2,509.68
2,208.89
growth rate 0.1% 597.0% 54.0% -12.0%
Equity 2,300.57
2,339.60
2,370.79
2,435.71
2,425.71
growth rate 1.7% 1.3% 2.7% -0.4%
Common Shares 1.20
1.20
1.20
1.25
1.25
growth rate 0.0% 0.0% 4.1% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 5.28
3.18
6.79
3.17
1.48
growth rate -39.8% 113.5% -53.3% -53.3%
Cash Dividends 12.85
15.50
15.40
15.43
growth rate 20.6% -0.7% 0.2%
Cash From OA 55.67
44.65
77.34
-65.68
82.06
growth rate -19.8% 73.2% -100.0% 100.0%
Sale Purchase of Stock
growth rate
FCF 50.39
41.47
70.55
-68.85
80.58
growth rate -17.7% 70.1% -100.0% 100.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 177.35
181.24
184.38
143.41
145.58
growth rate 2.2% 1.7% -22.2% 1.5%
Op.Income 73.46
76.86
93.91
31.97
30.62
growth rate 4.6% 22.2% -66.0% -4.2%
IBT 63.21
72.85
68.51
26.07
25.25
growth rate 15.3% -6.0% -61.9% -3.2%
Net Income 47.01
54.55
52.12
19.61
19.06
growth rate 16.0% -4.4% -62.4% -2.8%
Gross Profit 177.35
181.24
184.38
143.41
145.58
growth rate 2.2% 1.7% -22.2% 1.5%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (63.07)

YOY Growth Grade:

D (37.09)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 7.01 7.01
EPS / Growth 1.28

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 17.6%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 17.6% 17.6% 17.6%
Future PE 0.01 4.68 14.09
Future EPS 6.51 6.51 6.51
Value Price
MOS %
0.02
-99.8%
7.52
-16.4%
22.67
151.9%
MOS Price 0.01 3.76 11.33
IRT 4.41 4.41 4.41

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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