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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.82
FBMS's Cash to Debt is ranked higher than
71% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FBMS: 0.82 )
FBMS' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 0.82

Equity to Asset 0.09
FBMS's Equity to Asset is ranked higher than
66% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FBMS: 0.09 )
FBMS' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.13
Current: 0.09

0.06
0.13
Interest Coverage 2.14
FBMS's Interest Coverage is ranked higher than
77% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FBMS: 2.14 )
FBMS' s 10-Year Interest Coverage Range
Min: 0.18   Max: 2.14
Current: 2.14

0.18
2.14
F-Score: 4
Z-Score: 0.16
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 21.14
FBMS's Operating margin (%) is ranked higher than
63% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. FBMS: 21.14 )
FBMS' s 10-Year Operating margin (%) Range
Min: -1680.49   Max: 28.18
Current: 21.14

-1680.49
28.18
Net-margin (%) 15.29
FBMS's Net-margin (%) is ranked higher than
63% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. FBMS: 15.29 )
FBMS' s 10-Year Net-margin (%) Range
Min: -868.29   Max: 56.05
Current: 15.29

-868.29
56.05
ROE (%) 6.90
FBMS's ROE (%) is ranked higher than
69% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. FBMS: 6.90 )
FBMS' s 10-Year ROE (%) Range
Min: -4.03   Max: 13.04
Current: 6.9

-4.03
13.04
ROA (%) 0.61
FBMS's ROA (%) is ranked higher than
66% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FBMS: 0.61 )
FBMS' s 10-Year ROA (%) Range
Min: -1.26   Max: 0.93
Current: 0.61

-1.26
0.93
ROC (Joel Greenblatt) (%) 25.84
FBMS's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. FBMS: 25.84 )
FBMS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -94.36   Max: 51.24
Current: 25.84

-94.36
51.24
Revenue Growth (3Y)(%) 6.60
FBMS's Revenue Growth (3Y)(%) is ranked higher than
88% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FBMS: 6.60 )
FBMS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -21.3   Max: 126.8
Current: 6.6

-21.3
126.8
EBITDA Growth (3Y)(%) 9.90
FBMS's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FBMS: 9.90 )
FBMS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -20.1   Max: 30.7
Current: 9.9

-20.1
30.7
EPS Growth (3Y)(%) 9.10
FBMS's EPS Growth (3Y)(%) is ranked higher than
75% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FBMS: 9.10 )
FBMS' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.9   Max: 79.7
Current: 9.1

-34.9
79.7
» FBMS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 13.90
FBMS's P/E(ttm) is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FBMS: 13.90 )
FBMS' s 10-Year P/E(ttm) Range
Min: 7.98   Max: 31.25
Current: 13.9

7.98
31.25
P/B 1.00
FBMS's P/B is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FBMS: 1.00 )
FBMS' s 10-Year P/B Range
Min: 0.45   Max: 3.49
Current: 1

0.45
3.49
P/S 2.00
FBMS's P/S is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FBMS: 2.00 )
FBMS' s 10-Year P/S Range
Min: 0.92   Max: 5.45
Current: 2

0.92
5.45
PFCF 12.80
FBMS's PFCF is ranked higher than
83% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBMS: 12.80 )
FBMS' s 10-Year PFCF Range
Min: 1.99   Max: 687.5
Current: 12.8

1.99
687.5
EV-to-EBIT 12.85
FBMS's EV-to-EBIT is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. FBMS: 12.85 )
FBMS' s 10-Year EV-to-EBIT Range
Min: -27.6   Max: 35.1
Current: 12.85

-27.6
35.1
PEG 0.83
FBMS's PEG is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBMS: 0.83 )
FBMS' s 10-Year PEG Range
Min: 0.56   Max: 8.93
Current: 0.83

0.56
8.93
Shiller P/E 16.90
FBMS's Shiller P/E is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBMS: 16.90 )
FBMS' s 10-Year Shiller P/E Range
Min: 6.74   Max: 53.92
Current: 16.9

6.74
53.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.00
FBMS's Dividend Yield is ranked lower than
84% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. FBMS: 1.00 )
FBMS' s 10-Year Dividend Yield Range
Min: 0.25   Max: 3.1
Current: 1

0.25
3.1
Dividend Payout 0.14
FBMS's Dividend Payout is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FBMS: 0.14 )
FBMS' s 10-Year Dividend Payout Range
Min: 0.11   Max: 1.3
Current: 0.14

0.11
1.3
Dividend growth (3y) 14.50
FBMS's Dividend growth (3y) is ranked higher than
87% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. FBMS: 14.50 )
FBMS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 14.5
Current: 14.5

0
14.5
Yield on cost (5-Year) 1.00
FBMS's Yield on cost (5-Year) is ranked lower than
80% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. FBMS: 1.00 )
FBMS' s 10-Year Yield on cost (5-Year) Range
Min: 0.25   Max: 3.1
Current: 1

0.25
3.1
Share Buyback Rate -13.10
FBMS's Share Buyback Rate is ranked higher than
57% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FBMS: -13.10 )
FBMS' s 10-Year Share Buyback Rate Range
Min: 0.4   Max: -23.4
Current: -13.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
FBMS's Price/Tangible Book is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. FBMS: 1.20 )
FBMS' s 10-Year Price/Tangible Book Range
Min: 0.45   Max: 2.98
Current: 1.2

0.45
2.98
Price/DCF (Projected) 0.40
FBMS's Price/DCF (Projected) is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. FBMS: 0.40 )
FBMS' s 10-Year Price/DCF (Projected) Range
Min: 0.26   Max: 5.95
Current: 0.4

0.26
5.95
Price/Median PS Value 1.10
FBMS's Price/Median PS Value is ranked higher than
75% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FBMS: 1.10 )
FBMS' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 2.75
Current: 1.1

0.52
2.75
Price/Peter Lynch Fair Value 1.10
FBMS's Price/Peter Lynch Fair Value is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBMS: 1.10 )
FBMS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.67   Max: 3.91
Current: 1.1

0.67
3.91
Price/Graham Number 0.70
FBMS's Price/Graham Number is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FBMS: 0.70 )
FBMS' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 1.79
Current: 0.7

0.41
1.79
Earnings Yield (Greenblatt) 7.90
FBMS's Earnings Yield (Greenblatt) is ranked higher than
78% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FBMS: 7.90 )
FBMS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.8   Max: 3401.5
Current: 7.9

2.8
3401.5
Forward Rate of Return (Yacktman) 29.76
FBMS's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FBMS: 29.76 )
FBMS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.9   Max: 38.1
Current: 29.76

-3.9
38.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First Bancshares Inc was incorporated on June 23, 1995 to serve as a bank holding company for The First, A National Banking Association. The First currently operates its main office and two branches in Hattiesburg, one in Laurel, one in Purvis, one in Picayune, one in Pascagoula, one in Bay St. Louis, one in Wiggins, four in Gulfport, one in Biloxi, one in Long Beach and one in Diamondhead, Mississippi, as well as one branch in Bogalusa, Louisiana and five branches in Baldwin County, Alabama. The Company and its subsidiary bank engage in a general commercial and retail banking business characterized by personalized service and local decision-making, emphasizing the banking needs of small to medium-sized businesses, professional concerns and individuals. The First is a wholly-owned subsidiary bank of the Company. The Bank offers various deposit services that are typically available in various banks and savings and loan associations, including checking accounts, NOW accounts, savings accounts, and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. All deposit accounts are insured by the Federal Deposit Insurance Corporation (the 'FDIC') up to the maximum amount allowed by law. The Bank solicits these accounts from individuals, businesses, associations and organizations, and governmental authorities. In addition, the Bank offers certain retirement account services, such as Individual Retirement Accounts (IRAs). The Bank offers various commercial and personal loans. Commercial loans include both secured and unsecured loans for working capital, business expansion, and purchase of equipment and machinery. Consumer loans include equity lines of credit and secured and unsecured loans for financing automobiles, home improvements, education, and personal investments. The Bank also makes real estate construction and acquisition loans. The Bank's lending activities are subject to a variety of lending limits imposed by federal law. The Bank has mortgage loan divisions which originate loans to purchase existing or construct new homes and to refinance existing mortgages. Other Bank services include on-line internet banking services, voice response telephone inquiry service, commercial sweep accounts, cash management services, safe deposit boxes, travelers checks, direct deposit of payroll and social security checks, and automatic drafts for various accounts. The Bank is associated with the Interlink, Plus, Pulse, Star, and Community Cash networks of automated teller machines. The Bank also offers VISA and MasterCard credit card services through a correspondent bank. The Bank generally competes with other financial institutions through the selection of banking products and services offered, the pricing of services, the level of service provided, the convenience and availability of services. The Company competes with federally-chartered and state-chartered financial and thrift in
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