FIBH Stock Overview

Operates as the bank holding company for First National Bank that provides financial services to individuals and corporate customers in the United States. More details

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

Rewards

Trading at 11.2% below our estimate of its fair value

Risk Analysis

Earnings have declined by 5.7% per year over past 5 years

Shares are highly illiquid

Does not have a meaningful market cap ($14M)

Profit margins (13.9%) are lower than last year (22.8%)

+ 1 more risk

My Notes

Capture your thoughts, links and company narrative

First Bancshares Inc. (Bellevue, OH) Competitors

Greenville Federal Financial

OTCPK:GVFF

US$14.0m

Glen Burnie Bancorp

NasdaqCM:GLBZ

US$17.0m

Community Investors Bancorp

OTCPK:CIBN

US$14.1m

Third Century Bancorp

OTCPK:TDCB

US$10.9m

Price History & Performance

Summary of share price highs, lows and changes for First Bancshares (Bellevue OH)
Historical stock prices
Current Share Price	US$26.00
52 Week High	US$30.39
52 Week Low	US$22.05
Beta	0.31
1 Month Change	8.11%
3 Month Change	9.70%
1 Year Change	-13.33%
3 Year Change	-40.57%
5 Year Change	-29.73%
Change since IPO	27.87%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FIBH	US Banks	US Market
7D	0%	-3.4%	-2.4%
1Y	-13.3%	29.1%	23.4%

Return vs Industry: FIBH underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: FIBH underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is FIBH's price volatile compared to industry and market?
FIBH volatility
FIBH Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

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

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

About the Company

Founded	Employees	CEO	Website
1875	n/a	Dean Miller	www.fnblifetime.com

First Bancshares Inc. (Bellevue, OH) operates as the bank holding company for First National Bank that provides financial services to individuals and corporate customers in the United States. It accepts checking, savings, and individual retirement accounts, as well as certificates of deposit. The company also provides personal loans, such as mortgage, home equity, auto, and boat loans; and commercial loans, including commercial real estate, farm line of credit, farm real estate, farm term, line of credit, and term loans, as well as credit cards.

First Bancshares Inc. (Bellevue, OH) Fundamentals Summary

How do First Bancshares (Bellevue OH)'s earnings and revenue compare to its market cap?
FIBH fundamental statistics
Market cap	US$14.15m
Earnings (TTM)	US$1.33m
Revenue (TTM)	US$9.60m

10.6x

P/E Ratio

0.0x

P/B Ratio

Is FIBH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FIBH income statement (TTM)
Revenue	US$9.60m
Cost of Revenue	US$0
Gross Profit	US$9.60m
Other Expenses	US$8.27m
Earnings	US$1.33m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	2.45
Gross Margin	100.00%
Net Profit Margin	13.87%
Debt/Equity Ratio	0.0%

How did FIBH perform over the long term?

See historical performance and comparison

Dividends

5.1%

Current Dividend Yield

53%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 22:15
End of Day Share Price	2024/12/12 00:00
Earnings	2023/12/31
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. (Bellevue, OH) 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