FBSI Stock Overview

Operates as the bank holding company for Stockmens Bank that provides banking and mortgage services to individual and corporate customers in southern Missouri, eastern Colorado, and southwestern Nebraska. More details

FBSI fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	3/6
Financial Health	4/6
Dividends	1/6

Rewards

Trading at 42% below our estimate of its fair value

Earnings grew by 1.1% over the past year

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($61M)

My Notes

Capture your thoughts, links and company narrative

First Bancshares, Inc. Competitors

Broadway Financial

NasdaqCM:BYFC

US$61.2m

Cullman Bancorp

OTCPK:CULL

US$61.6m

Century Financial

OTCPK:CYFL

US$62.4m

blueharbor bank

OTCPK:BLHK

US$63.9m

Price History & Performance

Summary of share price highs, lows and changes for First Bancshares
Historical stock prices
Current Share Price	US$25.00
52 Week High	US$32.20
52 Week Low	US$22.90
Beta	0.17
1 Month Change	1.63%
3 Month Change	-0.79%
1 Year Change	n/a
3 Year Change	45.77%
5 Year Change	61.29%
Change since IPO	334.78%

Recent updates

Shareholder Returns

	FBSI	US Banks	US Market
7D	0%	-3.5%	-2.7%
1Y	n/a	29.1%	23.4%

Return vs Industry: Insufficient data to determine how FBSI performed against the US Banks industry.

Return vs Market: Insufficient data to determine how FBSI performed against the US Market.

Price Volatility

Is FBSI's price volatile compared to industry and market?
FBSI volatility
FBSI Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: FBSI's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FBSI's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1911	n/a	Rob Alexander	www.thestockmensbank.com

First Bancshares, Inc. operates as the bank holding company for Stockmens Bank that provides banking and mortgage services to individual and corporate customers in southern Missouri, eastern Colorado, and southwestern Nebraska. It accepts various deposit products. The company also offers real estate loans, including one-to-four family residential mortgage loans, multi-family residential loans, commercial real estate loans, agricultural real estate loans, and home equity loans; and non-real estate loans, such as commercial business, agricultural business, and consumer loans.

First Bancshares, Inc. Fundamentals Summary

How do First Bancshares's earnings and revenue compare to its market cap?
FBSI fundamental statistics
Market cap	US$60.70m
Earnings (TTM)	US$6.42m
Revenue (TTM)	US$22.37m

9.5x

P/E Ratio

1.1x

P/B Ratio

Is FBSI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FBSI income statement (TTM)
Revenue	US$22.37m
Cost of Revenue	US$0
Gross Profit	US$22.37m
Other Expenses	US$15.95m
Earnings	US$6.42m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.64
Gross Margin	100.00%
Net Profit Margin	28.70%
Debt/Equity Ratio	2.9%

How did FBSI perform over the long term?

See historical performance and comparison

Dividends

1.4%

Current Dividend Yield

13%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 15:10
End of Day Share Price	2024/12/17 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

First Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

First Bancshares OTCPK:FBSI Stock Report