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First Bancshares
(OTC:FBSI)
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Rating:75Outperform
Price Target:
$37.00
▲(10.28% Upside)
Action:Reiterated
Date:08/04/26
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.
Positive Factors
Stable community banking model
First Bancshares operates a classic community banking model that generates durable net interest income from loans and stable deposit funding, plus fee income. That business mix supports persistent earnings, local customer relationships and steady loan growth potential across economic cycles.
Negative Factors
Margin compression vs prior highs
Reported margins are solid but have declined from 2021–2022 peaks, signaling structural pressure from funding costs or competitive pricing. Persistent margin compression would constrain net income growth and limit the bank's ability to expand capital returns or absorb credit shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Stable community banking model
First Bancshares operates a classic community banking model that generates durable net interest income from loans and stable deposit funding, plus fee income. That business mix supports persistent earnings, local customer relationships and steady loan growth potential across economic cycles.
Read all positive factors
First Bancshares (FBSI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$81.85M
Dividend Yield1.39%
Average Volume (3M)22.00
Price to Earnings (P/E)9.8
Beta (1Y)0.24
Revenue Growth7.85%
EPS Growth22.70%
CountryUS
Employees86
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.15
Shares Outstanding2,439,582
10 Day Avg. Volume36
30 Day Avg. Volume22
Financial Highlights & Ratios
PEG Ratio0.66
Price to Book (P/B)1.23
Price to Sales (P/S)2.27
P/FCF Ratio9.29
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 ...
How the Company Makes Money
FBSI primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the spread between interest earned on interest-earning assets—primarily loans (such as comme...
First Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
74
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 35.72M | 30.05M | 30.05M | 21.10M | 16.81M |
| Gross Profit | 25.31M | 21.82M | 21.82M | 18.35M | 16.68M |
| EBITDA | 10.10M | 9.38M | 9.54M | 7.90M | 7.50M |
| Net Income | 7.62M | 6.58M | 6.72M | 5.28M | 5.09M |
Balance Sheet | |||||
| Total Assets | 564.56M | 537.88M | 541.56M | 471.78M | 446.85M |
| Cash, Cash Equivalents and Short-Term Investments | 20.88M | 22.08M | 22.08M | 23.60M | 76.03M |
| Total Debt | 9.91M | 11.84M | 11.00M | 4.01M | 1.50M |
| Total Liabilities | 499.25M | 478.32M | 487.97M | 424.20M | 402.69M |
| Stockholders Equity | 66.19M | 59.56M | 53.59M | 47.59M | 44.16M |
Cash Flow | |||||
| Free Cash Flow | 8.74M | 6.13M | 7.87M | 4.00M | 1.29M |
| Operating Cash Flow | 8.97M | 6.17M | 7.87M | 4.64M | 2.63M |
| Investing Cash Flow | -75.13M | -11.79M | -11.79M | -65.72M | -39.52M |
| Financing Cash Flow | 18.47M | 61.17M | 61.17M | 20.50M | 49.87M |
First Bancshares Technical Analysis
Positive
33.55
Price Trends
32.46
Positive
32.19
Positive
31.76
Positive
Market Momentum
0.34
Positive
58.28
Neutral
50.00
Neutral
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 33.55 is above the 20-day moving average (MA) of 33.23, above the 50-day MA of 32.46, and above the 200-day MA of 31.76, indicating a bullish trend. The MACD of 0.34 indicates Positive momentum. The RSI at 58.28 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $121.40M | 10.62 | 14.30% | 1.49% | 6.20% | 60.60% | |
75 Outperform | $81.85M | 9.83 | 12.42% | 1.37% | 7.85% | 22.70% | |
68 Neutral | $90.77M | 12.11 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
51 Neutral | $111.81M | -4.45 | -7.74% | ― | 10.60% | -935.88% | |
46 Neutral | $105.29M | 69.32 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
FBSI
First Bancshares
33.55
7.23
27.48%
BOTJ
Bank Of The Jame Financial
26.86
11.70
77.18%
BYFC
Broadway Financial
12.05
4.06
50.78%
FUSB
First US Bancshares
16.35
5.69
53.31%
FNWB
First Northwest Bancorp
11.14
3.44
44.68%
NSTS
NSTS Bancorp
14.03
2.11
17.66%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.