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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 5.14
FBMS's Cash to Debt is ranked higher than
85% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FBMS: 5.14 )
FBMS' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 5.14

Equity to Asset 0.09
FBMS's Equity to Asset is ranked higher than
67% of the 1739 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 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 5
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 (%) 20.28
FBMS's Operating margin (%) is ranked higher than
63% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. FBMS: 20.28 )
FBMS' s 10-Year Operating margin (%) Range
Min: -1680.49   Max: 28.18
Current: 20.28

-1680.49
28.18
Net-margin (%) 14.70
FBMS's Net-margin (%) is ranked higher than
63% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. FBMS: 14.70 )
FBMS' s 10-Year Net-margin (%) Range
Min: -868.29   Max: 56.5
Current: 14.7

-868.29
56.5
ROE (%) 6.58
FBMS's ROE (%) is ranked higher than
69% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. FBMS: 6.58 )
FBMS' s 10-Year ROE (%) Range
Min: -4.03   Max: 13.04
Current: 6.58

-4.03
13.04
ROA (%) 0.58
FBMS's ROA (%) is ranked higher than
66% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FBMS: 0.58 )
FBMS' s 10-Year ROA (%) Range
Min: -1.26   Max: 0.93
Current: 0.58

-1.26
0.93
ROC (Joel Greenblatt) (%) 24.31
FBMS's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. FBMS: 24.31 )
FBMS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -94.36   Max: 51.24
Current: 24.31

-94.36
51.24
Revenue Growth (%) 6.60
FBMS's Revenue Growth (%) is ranked higher than
89% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FBMS: 6.60 )
FBMS' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 126.8
Current: 6.6

0
126.8
EBITDA Growth (%) 9.90
FBMS's EBITDA Growth (%) is ranked higher than
78% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FBMS: 9.90 )
FBMS' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 30.7
Current: 9.9

0
30.7
EPS Growth (%) 9.10
FBMS's EPS Growth (%) is ranked higher than
75% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. FBMS: 9.10 )
FBMS' s 10-Year EPS Growth (%) 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

Latest Guru Trades with FBMS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



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Ratios

vs
industry
vs
history
P/E(ttm) 16.00
FBMS's P/E(ttm) is ranked higher than
71% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. FBMS: 16.00 )
FBMS' s 10-Year P/E(ttm) Range
Min: 7.98   Max: 31.25
Current: 16

7.98
31.25
P/B 1.00
FBMS's P/B is ranked higher than
77% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 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 2.10
FBMS's P/S is ranked higher than
84% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FBMS: 2.10 )
FBMS' s 10-Year P/S Range
Min: 0.93   Max: 7.07
Current: 2.1

0.93
7.07
PFCF 6.40
FBMS's PFCF is ranked higher than
90% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. FBMS: 6.40 )
FBMS' s 10-Year PFCF Range
Min: 1.78   Max: 408.5
Current: 6.4

1.78
408.5
EV-to-EBIT 6.55
FBMS's EV-to-EBIT is ranked higher than
93% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. FBMS: 6.55 )
FBMS' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 62.5
Current: 6.55

0.2
62.5
PEG 0.96
FBMS's PEG is ranked higher than
90% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBMS: 0.96 )
FBMS' s 10-Year PEG Range
Min: 0.42   Max: 18.21
Current: 0.96

0.42
18.21
Shiller P/E 16.90
FBMS's Shiller P/E is ranked higher than
85% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.31 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 1.10
FBMS's Dividend Yield is ranked lower than
82% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.39 vs. FBMS: 1.10 )
FBMS' s 10-Year Dividend Yield Range
Min: 0.25   Max: 2.76
Current: 1.1

0.25
2.76
Dividend Payout 0.15
FBMS's Dividend Payout is ranked higher than
90% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. FBMS: 0.15 )
FBMS' s 10-Year Dividend Payout Range
Min: 0.11   Max: 1.3
Current: 0.15

0.11
1.3
Dividend growth (3y) 14.50
FBMS's Dividend growth (3y) is ranked higher than
86% of the 1033 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
78% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. FBMS: 1.00 )
FBMS' s 10-Year Yield on cost (5-Year) Range
Min: 0.25   Max: 2.76
Current: 1

0.25
2.76
Share Buyback Rate -13.10
FBMS's Share Buyback Rate is ranked higher than
57% of the 1304 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 1.22
FBMS's Price/Tangible Book is ranked higher than
76% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. FBMS: 1.22 )
FBMS' s 10-Year Price/Tangible Book Range
Min: 0.45   Max: 2.98
Current: 1.22

0.45
2.98
Price/DCF (Projected) 0.41
FBMS's Price/DCF (Projected) is ranked higher than
92% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FBMS: 0.41 )
FBMS' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 4.2
Current: 0.41

0.24
4.2
Price/Median PS Value 1.24
FBMS's Price/Median PS Value is ranked higher than
67% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. FBMS: 1.24 )
FBMS' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 3.46
Current: 1.24

0.52
3.46
Price/Peter Lynch Fair Value 1.42
FBMS's Price/Peter Lynch Fair Value is ranked higher than
89% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBMS: 1.42 )
FBMS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.66   Max: 3.91
Current: 1.42

0.66
3.91
Price/Graham Number 0.76
FBMS's Price/Graham Number is ranked higher than
85% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FBMS: 0.76 )
FBMS' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 1.79
Current: 0.76

0.41
1.79
Earnings Yield (Greenblatt) 15.60
FBMS's Earnings Yield (Greenblatt) is ranked higher than
91% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FBMS: 15.60 )
FBMS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 3401.5
Current: 15.6

1.6
3401.5
Forward Rate of Return (Yacktman) 26.55
FBMS's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. FBMS: 26.55 )
FBMS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.5   Max: 37.9
Current: 26.55

-2.5
37.9

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 located in Hattiesburg, Mississippi. The First began operations on August 5, 1996 from its main office in the Oak Grove community, which was on the outskirts of Hattiesburg but now is included in the city of Hattiesburg. In addition to the main office in Hattiesburg and the branch in Laurel, The First also operates two other branches in Hattiesburg, one in Purvis, one in Picayune, one in Pascagoula, one in Bay St. Louis, one in Wiggins, and one in Gulfport, Mississippi. The Company and its subsidiary bank is engaged 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 serves the cities of Hattiesburg, Laurel, Purvis, Picayune, Pascagoula, Bay St. Louis, Wiggins, Gulfport and the surrounding areas of Lamar, Forrest, Jones, Pearl River, Jackson, Hancock, Stone and Harrison Counties, Mississippi. The Bank offers a full range of deposit services that are typically available in most 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. The transaction accounts and time certificates are tailored to the Bank's principal market area at rates competitive to those offered by other banks in the area. In addition, the Bank offers certain retirement account services, such as Individual Retirement Accounts. The Bank offers a full range of commercial and personal loans. Commercial loans include both secured and unsecured loans for working capital (including loans secured by inventory and accounts receivable), business expansion (including acquisition of real estate and improvements), 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 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 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 and its bank are subject to state and federal banking laws
» More Articles for FBMS

Headlines

Articles On GuruFocus.com
The First Bancshares, Inc. Reports 2nd Quarter 2009 Earnings Aug 05 2009 

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The First Bancshares, Inc. Reports 2nd Quarter 2014 Earnings and Declaration of Dividend Jul 28 2014
FIRST BANCSHARES INC /MS/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 14 2014
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First Bancshares announces acquisition of BCB Holding Jul 01 2014
FIRST BANCSHARES INC /MS/ Files SEC form 8-K, Other Events May 30 2014
First Bancshares receives requisite approvals for merger with BCB Holding May 30 2014
The First Bancshares, Inc. Announces Receipt of Requisite Approvals for Merger May 30 2014
FIRST BANCSHARES INC /MS/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 29 2014
FIRST BANCSHARES INC /MS/ Files SEC form 8-K, Other Events May 09 2014
The First Bancshares, Inc. Officers to Present at Gulf South Bank Conference May 09 2014
FIRST BANCSHARES INC /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 25 2014
The First Bancshares, Inc. Officers to Present at 18th Annual Burkenroad Reports Investment... Apr 24 2014
The First Bancshares, Inc. Reports 1st Quarter 2014 Earnings and Declaration of Dividend Apr 24 2014
FIRST BANCSHARES INC /MS/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 03 2014
The First Bancshares, Inc. Opens Loan Production Office in Baton Rouge, La. Apr 02 2014
FIRST BANCSHARES INC /MS/ Files SEC form 10-K, Annual Report Mar 31 2014

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