First Bancshares (Bellevue OH)
Market Cap
US$20.6m
Last Updated
2019/08/24 23:51 UTC
Data Sources
Company Financials
Executive Summary
First Bancshares Inc. (Bellevue, OH) operates as operates as the bank holding company for First National Bank that provides financial services to individuals and corporate customers in the United States.
Snowflake
Fundamentals
Flawless balance sheet and good value.
Risks
- First Bancshares (Bellevue OH) is not covered by any analysts.
Share Price & News
How has First Bancshares (Bellevue OH)'s share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-1.3%
OTCPK:FIBH
-1.8%
US Banks
-1.6%
US Market
1 Year Return
-16.8%
OTCPK:FIBH
-16.1%
US Banks
-3.0%
US Market
FIBH matched the Banks industry (-16.1%) over the past year.
FIBH underperformed the Market in United States of America which returned -3% over the past year.
Share holder returns
| FIBH | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.3% | -1.8% | -1.6% |
| 30 Day | -2.5% | -10.1% | -5.7% |
| 90 Day | -9.1% | -5.0% | 0.2% |
| 1 Year | -14.5%-16.8% | -13.7%-16.1% | -0.8%-3.0% |
| 3 Year | 25.1%15.9% | 37.9%28.5% | 38.1%29.1% |
| 5 Year | 95.5%73.9% | 49.3%33.2% | 50.8%34.1% |
Price Volatility Vs. Market
How volatile is First Bancshares (Bellevue OH)'s share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is First Bancshares (Bellevue OH) undervalued based on future cash flows and its price relative to the stock market?
23%
Discount to future cash flow value
Intrinsic Value Based on Future Cash Flows
First Bancshares (Bellevue OH)'s share price is below the future cash flow value, and at a moderate discount (> 20%).
First Bancshares (Bellevue OH)'s share price is below the future cash flow value, but not at a substantial discount (< 40%).
Price Based on Earnings
First Bancshares (Bellevue OH) is good value based on earnings compared to the US Banks industry average.
First Bancshares (Bellevue OH) is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for First Bancshares (Bellevue OH), we can't assess if its growth is good value.
Price Based on Value of Assets
First Bancshares (Bellevue OH) is good value based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is First Bancshares (Bellevue OH) expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
1.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if First Bancshares (Bellevue OH) is high growth as no revenue estimate data is available.
First Bancshares (Bellevue OH)'s earnings are expected to grow by 1.8% yearly, however this is not considered high growth (20% yearly).
Unable to compare First Bancshares (Bellevue OH)'s revenue growth to the United States of America market average as no estimate data is available.
First Bancshares (Bellevue OH)'s earnings growth is positive but not above the United States of America market average.
First Bancshares (Bellevue OH)'s earnings growth is positive but not above the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if First Bancshares (Bellevue OH) will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has First Bancshares (Bellevue OH) performed over the past 5 years?
16.6%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
First Bancshares (Bellevue OH)'s year on year earnings growth rate has been positive over the past 5 years.
First Bancshares (Bellevue OH)'s 1-year earnings growth exceeds its 5-year average (26.2% vs 16.6%)
First Bancshares (Bellevue OH)'s earnings growth has not exceeded the US Banks industry average in the past year (26.2% vs 33.1%).
Return on Equity
First Bancshares (Bellevue OH) has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
First Bancshares (Bellevue OH) used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if First Bancshares (Bellevue OH) improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
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Financial Health
How is First Bancshares (Bellevue OH)'s financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Information is not available.
Information is not available.
Financial Institutions Analysis
First Bancshares (Bellevue OH) has an acceptable proportion of non-loan assets held.
First Bancshares (Bellevue OH) has a sufficient allowance for bad loans.
First Bancshares (Bellevue OH)'s liabilities are made up of primarily low risk sources of funding.
First Bancshares (Bellevue OH)'s level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
Loans at First Bancshares (Bellevue OH) are broadly funded by customer deposits.
First Bancshares (Bellevue OH) has an acceptable level of bad loans (less than 2%).
Next Steps
Dividend
What is First Bancshares (Bellevue OH)'s current dividend yield, its reliability and sustainability?
2.77%
Current Dividend Yield
Dividend Yield and Payments Analysis
First Bancshares (Bellevue OH)'s pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).
First Bancshares (Bellevue OH)'s dividend is below the markets top 25% of dividend payers in United States of America (3.93%).
Whilst dividend payments have been stable, First Bancshares (Bellevue OH) has been paying a dividend for less than 10 years.
Dividend payments have increased, but First Bancshares (Bellevue OH) only paid a dividend in the past 3 years.
Current Payout to Shareholders
Dividends paid are well covered by earnings (4.3x coverage).
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
Next Steps
Management
What is the CEO of First Bancshares (Bellevue OH)'s salary, the management and board of directors tenure and is there insider trading?
7.6yrs
Average board tenure
CEO
Dean Miller 0
13.5yrs
Tenure
Mr. Dean J. Miller has been the Chief Executive Officer and President at First Bancshares Inc. (Bellevue, OH) since 2006 and also serves at First National Bank of Bellevue. Mr. Miller has over 30 years of ...
Board Age and Tenure
7.6yrs
Average Tenure
The tenure for the First Bancshares (Bellevue OH) board of directors is about average.
Insider Trading
No 3 month open market individual insider trading information.
Ownership Breakdown
Management Team
Dean Miller
President
- Tenure: 13.5yrs
Brian Harr (55yo)
Executive VP & Chief Lending Officer of First National Bank of Bellevue
- Tenure: 0.0yrs
Ed Schafer
Senior VP & CFO
- Tenure: 11.6yrs
Deb Hawkins
VP & Secretary
- Tenure: 0.0yrs
Board Members
Dean Miller
President
- Tenure: 13.5yrs
Michael Winthrop (67yo)
Director
- Tenure: 0.0yrs
Duff Milkie (53yo)
Director
- Tenure: 5.6yrs
James Stouffer
Director
- Tenure: 6.6yrs
Sharon Barnes
Director
- Tenure: 11.6yrs
John Coppeler
Vice Chairman of the Board
- Tenure: 0.0yrs
Gordon Gibbs
Director Emeritus
- Tenure: 0.0yrs
Steven Mays
Chairman of the Board
- Tenure: 0.0yrs
Mel Miller
Director
- Tenure: 8.6yrs
Adam Crockett
Director
- Tenure: 4.6yrs
Company Information
First Bancshares Inc. (Bellevue, OH)'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: First Bancshares Inc. (Bellevue, OH)
- Ticker: FIBH
- Exchange: OTCPK
- Founded: 1875
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$20.564m
- Shares outstanding: 537.62k
- Website: https://www.fnblifetime.com
Location
- First Bancshares Inc. (Bellevue, OH)
- 120 North Street
- Bellevue
- Ohio
- 44811
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| FIBH | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Aug 2003 |
Biography
First Bancshares Inc. (Bellevue, OH) operates as operates as the bank holding company for First National Bank that provides financial services to individuals and corporate customers in the United States. I ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/24 23:51 |
| End of Day Share Price | 2019/08/21 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.