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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 1.04
FBMS's Cash to Debt is ranked lower than
53% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FBMS: 1.04 )
Ranked among companies with meaningful Cash to Debt only.
FBMS' s 10-Year Cash to Debt Range
Min: 0.15  Med: 0.82 Max: N/A
Current: 1.04
Equity to Asset 0.09
FBMS's Equity to Asset is ranked lower than
62% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBMS: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FBMS' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.09 Max: 0.13
Current: 0.09
0.06
0.13
Interest Coverage 3.04
FBMS's Interest Coverage is ranked higher than
68% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FBMS: 3.04 )
Ranked among companies with meaningful Interest Coverage only.
FBMS' s 10-Year Interest Coverage Range
Min: 0.18  Med: 0.50 Max: 3.04
Current: 3.04
0.18
3.04
F-Score: 4
WACC vs ROIC
1.67%
7.92%
WACC
ROIC
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 (%) 24.39
FBMS's Operating margin (%) is ranked lower than
65% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. FBMS: 24.39 )
Ranked among companies with meaningful Operating margin (%) only.
FBMS' s 10-Year Operating margin (%) Range
Min: -1680.49  Med: 16.29 Max: 28.18
Current: 24.39
-1680.49
28.18
Net-margin (%) 17.86
FBMS's Net-margin (%) is ranked lower than
65% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. FBMS: 17.86 )
Ranked among companies with meaningful Net-margin (%) only.
FBMS' s 10-Year Net-margin (%) Range
Min: -868.29  Med: 12.60 Max: 56.05
Current: 17.86
-868.29
56.05
ROE (%) 7.81
FBMS's ROE (%) is ranked lower than
55% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. FBMS: 7.81 )
Ranked among companies with meaningful ROE (%) only.
FBMS' s 10-Year ROE (%) Range
Min: -4.03  Med: 5.33 Max: 13.04
Current: 7.81
-4.03
13.04
ROA (%) 0.72
FBMS's ROA (%) is ranked lower than
60% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FBMS: 0.72 )
Ranked among companies with meaningful ROA (%) only.
FBMS' s 10-Year ROA (%) Range
Min: -1.26  Med: 0.55 Max: 0.93
Current: 0.72
-1.26
0.93
Revenue Growth (3Y)(%) 0.50
FBMS's Revenue Growth (3Y)(%) is ranked lower than
59% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FBMS: 0.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBMS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -21.3  Med: 13.50 Max: 126.8
Current: 0.5
-21.3
126.8
EBITDA Growth (3Y)(%) 13.40
FBMS's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FBMS: 13.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBMS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -20.1  Med: 16.30 Max: 30.7
Current: 13.4
-20.1
30.7
EPS Growth (3Y)(%) 13.20
FBMS's EPS Growth (3Y)(%) is ranked higher than
59% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. FBMS: 13.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBMS' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.9  Med: 16.85 Max: 79.7
Current: 13.2
-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) 12.68
FBMS's P/E(ttm) is ranked higher than
55% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. FBMS: 12.68 )
Ranked among companies with meaningful P/E(ttm) only.
FBMS' s 10-Year P/E(ttm) Range
Min: 7.98  Med: 14.55 Max: 31.25
Current: 12.68
7.98
31.25
Forward P/E 10.22
FBMS's Forward P/E is ranked higher than
67% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. FBMS: 10.22 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.40
FBMS's PE(NRI) is ranked higher than
54% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. FBMS: 12.40 )
Ranked among companies with meaningful PE(NRI) only.
FBMS' s 10-Year PE(NRI) Range
Min: 8.28  Med: 14.61 Max: 31.18
Current: 12.4
8.28
31.18
P/B 1.16
FBMS's P/B is ranked lower than
58% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FBMS: 1.16 )
Ranked among companies with meaningful P/B only.
FBMS' s 10-Year P/B Range
Min: 0.45  Med: 1.02 Max: 3.49
Current: 1.16
0.45
3.49
P/S 2.16
FBMS's P/S is ranked higher than
68% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. FBMS: 2.16 )
Ranked among companies with meaningful P/S only.
FBMS' s 10-Year P/S Range
Min: 0.93  Med: 1.79 Max: 7.07
Current: 2.16
0.93
7.07
PFCF 42.67
FBMS's PFCF is ranked lower than
92% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FBMS: 42.67 )
Ranked among companies with meaningful PFCF only.
FBMS' s 10-Year PFCF Range
Min: 1.99  Med: 8.32 Max: 408.5
Current: 42.67
1.99
408.5
POCF 16.97
FBMS's POCF is ranked lower than
80% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. FBMS: 16.97 )
Ranked among companies with meaningful POCF only.
FBMS' s 10-Year POCF Range
Min: 1.78  Med: 5.35 Max: 62.85
Current: 16.97
1.78
62.85
EV-to-EBIT 10.32
FBMS's EV-to-EBIT is ranked higher than
68% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. FBMS: 10.32 )
Ranked among companies with meaningful EV-to-EBIT only.
FBMS' s 10-Year EV-to-EBIT Range
Min: -27.6  Med: 12.85 Max: 62.5
Current: 10.32
-27.6
62.5
PEG 0.86
FBMS's PEG is ranked higher than
57% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FBMS: 0.86 )
Ranked among companies with meaningful PEG only.
FBMS' s 10-Year PEG Range
Min: 0.49  Med: 0.97 Max: 4.68
Current: 0.86
0.49
4.68
Shiller P/E 16.74
FBMS's Shiller P/E is ranked lower than
53% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. FBMS: 16.74 )
Ranked among companies with meaningful Shiller P/E only.
FBMS' s 10-Year Shiller P/E Range
Min: 6.74  Med: 16.02 Max: 53.92
Current: 16.74
6.74
53.92
Days Sales Outstanding 30.37
FBMS's Days Sales Outstanding is ranked higher than
56% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. FBMS: 30.37 )
Ranked among companies with meaningful Days Sales Outstanding only.
FBMS' s 10-Year Days Sales Outstanding Range
Min: 32.42  Med: 45.85 Max: 383.83
Current: 30.37
32.42
383.83

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.86
FBMS's Dividend Yield is ranked lower than
91% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. FBMS: 0.86 )
Ranked among companies with meaningful Dividend Yield only.
FBMS' s 10-Year Dividend Yield Range
Min: 0.25  Med: 1.26 Max: 3.1
Current: 0.86
0.25
3.1
Dividend Payout 0.11
FBMS's Dividend Payout is ranked higher than
91% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FBMS: 0.11 )
Ranked among companies with meaningful Dividend Payout only.
FBMS' s 10-Year Dividend Payout Range
Min: 0.1  Med: 0.15 Max: 1.3
Current: 0.11
0.1
1.3
Yield on cost (5-Year) 0.86
FBMS's Yield on cost (5-Year) is ranked lower than
90% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. FBMS: 0.86 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FBMS' s 10-Year Yield on cost (5-Year) Range
Min: 0.25  Med: 1.26 Max: 3.1
Current: 0.86
0.25
3.1
Share Buyback Rate -19.70
FBMS's Share Buyback Rate is ranked lower than
87% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FBMS: -19.70 )
Ranked among companies with meaningful Share Buyback Rate only.
FBMS' s 10-Year Share Buyback Rate Range
Min: 0.4  Med: -3.65 Max: -23.4
Current: -19.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.36
FBMS's Price/Tangible Book is ranked lower than
62% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FBMS: 1.36 )
Ranked among companies with meaningful Price/Tangible Book only.
FBMS' s 10-Year Price/Tangible Book Range
Min: 0.45  Med: 1.18 Max: 2.98
Current: 1.36
0.45
2.98
Price/Projected FCF 0.59
FBMS's Price/Projected FCF is ranked higher than
59% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FBMS: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
FBMS' s 10-Year Price/Projected FCF Range
Min: 0.26  Med: 0.44 Max: 22.13
Current: 0.59
0.26
22.13
Price/Median PS Value 1.21
FBMS's Price/Median PS Value is ranked lower than
68% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FBMS: 1.21 )
Ranked among companies with meaningful Price/Median PS Value only.
FBMS' s 10-Year Price/Median PS Value Range
Min: 0.51  Med: 1.06 Max: 3.39
Current: 1.21
0.51
3.39
Price/Peter Lynch Fair Value 1.03
FBMS's Price/Peter Lynch Fair Value is ranked lower than
57% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. FBMS: 1.03 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FBMS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.61  Med: 1.01 Max: 3.91
Current: 1.03
0.61
3.91
Price/Graham Number 0.77
FBMS's Price/Graham Number is ranked higher than
58% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FBMS: 0.77 )
Ranked among companies with meaningful Price/Graham Number only.
FBMS' s 10-Year Price/Graham Number Range
Min: 0.41  Med: 0.81 Max: 1.79
Current: 0.77
0.41
1.79
Earnings Yield (Greenblatt) (%) 9.71
FBMS's Earnings Yield (Greenblatt) (%) is ranked higher than
71% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FBMS: 9.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBMS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.6  Med: 7.20 Max: 3401.5
Current: 9.71
1.6
3401.5
Forward Rate of Return (Yacktman) (%) 26.87
FBMS's Forward Rate of Return (Yacktman) (%) is ranked higher than
71% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. FBMS: 26.87 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBMS' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -3.9  Med: 25.70 Max: 38.4
Current: 26.87
-3.9
38.4

Analyst Estimate

Dec15 Dec16
EPS($) 1.48 1.71
EPS without NRI($) 1.48 1.71

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
» More Articles for NAS:FBMS

Headlines

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

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