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First Bancshares (FBSI) AI Stock Analysis
First Bancshares
(Other OTC:FBSI)
The score is driven primarily by solid financial performance (renewed growth, healthy profitability, conservative leverage, and steady ROE) and an attractive valuation (low P/E with a modest dividend). Technicals are supportive but only moderately strong, keeping the overall score below the high-70s range.
First Bancshares (FBSI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $86.18M
- Dividend Yield
- 1.31%
- Average Volume (3M)
- 547
- Price to Earnings (P/E)
- 9.7
- Beta (1Y)
- 0.23
- Revenue Growth
- 11.73%
- EPS Growth
- 22.85%
- Country
- US
- Employees
- 86
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
First Bancshares Business Overview & Revenue Model
Company Description
First Bancshares, Inc. acts as the parent holding company for Stockmens Bank, offering a comprehensive array of banking and mortgage services to both individual and corporate customers. Its operations span southern Missouri, eastern Colorado, and sou...
First Bancshares Financial Statement Overview
Summary
Strong overall fundamentals: revenue growth re-accelerated in 2025 (~10%) with solid profitability (net margins ~21–22% and high-20% EBIT margins). Balance sheet leverage is conservative with improving debt-to-equity (~0.13 in 2025) and steady double-digit ROE (~11–13%). The main offsets are margin compression versus 2021–2022 highs and some year-to-year cash flow volatility despite a strong 2025 rebound.
Income Statement
78PositiveBalance Sheet
82Very PositiveCash Flow
74Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 33.25M | 35.72M | 30.05M | 30.05M | 21.10M | 16.81M |
| Gross Profit | 25.33M | 25.31M | 21.82M | 21.82M | 18.35M | 16.68M |
| EBITDA | 9.95M | 10.10M | 9.38M | 9.54M | 7.90M | 7.50M |
| Net Income | 7.62M | 7.62M | 6.58M | 6.72M | 5.28M | 5.09M |
Balance Sheet | ||||||
| Total Assets | 564.56M | 564.56M | 537.88M | 541.56M | 471.78M | 446.85M |
| Cash, Cash Equivalents and Short-Term Investments | 20.88M | 20.88M | 22.08M | 22.08M | 23.60M | 76.03M |
| Total Debt | 9.91M | 9.91M | 11.84M | 11.00M | 4.01M | 1.50M |
| Total Liabilities | 499.25M | 499.25M | 478.32M | 487.97M | 424.20M | 402.69M |
| Stockholders Equity | 66.19M | 66.19M | 59.56M | 53.59M | 47.59M | 44.16M |
Cash Flow | ||||||
| Free Cash Flow | 8.74M | 8.74M | 6.13M | 7.87M | 4.00M | 1.29M |
| Operating Cash Flow | 8.97M | 8.97M | 6.17M | 7.87M | 4.64M | 2.63M |
| Investing Cash Flow | -75.13M | -75.13M | -11.79M | -11.79M | -65.72M | -39.52M |
| Financing Cash Flow | 18.47M | 18.47M | 61.17M | 61.17M | 20.50M | 49.87M |
First Bancshares Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FBSI, the sentiment is Positive. The current price of 35.72 is above the 20-day moving average (MA) of 34.39, above the 50-day MA of 34.24, and above the 200-day MA of 32.49, indicating a bullish trend. The MACD of 0.17 indicates Negative momentum. The RSI at 61.68 is Neutral, neither overbought nor oversold. The STOCH value of 49.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FBSI.
First Bancshares Peers Comparison
Overall Rating
- FBSI75Outperform
FUSB73Outperform
BOTJ69Neutral
BYFC51Neutral
FNWB44Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FBSI | 75Outperform | $86.12M | 9.68 | 12.78% | 1.31% | 11.73% | 22.85% |
| FUSB | 73Outperform | $90.83M | 11.96 | 7.58% | 1.70% | 3.80% | 43.33% |
| BOTJ | 69Neutral | $107.95M | 8.97 | 14.94% | 1.68% | 7.06% | 52.33% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BYFC | 51Neutral | $106.33M | -4.23 | -7.74% | ― | 10.60% | -935.88% |
| FNWB | 44Neutral | $97.30M | -1100.00 | -0.03% | ― | -6.23% | 99.73% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FBSI | First Bancshares | 35.72 | 7.33 | 25.81% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 23.76 | 7.07 | 42.39% | |
| BYFC | Broadway Financial | 11.46 | 5.06 | 79.06% | |
| FUSB | First Us Bancshares | 16.50 | 3.49 | 26.82% | |
| FNWB | First Northwest Bancorp | 10.23 | 1.23 | 13.67% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 04, 2026