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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 0.78
FBMS's Cash to Debt is ranked lower than
65% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. FBMS: 0.78 )
Ranked among companies with meaningful Cash to Debt only.
FBMS' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.81 Max: N/A
Current: 0.78
Equity to Asset 0.09
FBMS's Equity to Asset is ranked lower than
64% of the 1667 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 Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.13
Current: 0.09
0.06
0.13
Interest Coverage 3.86
FBMS's Interest Coverage is ranked higher than
74% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. FBMS: 3.86 )
Ranked among companies with meaningful Interest Coverage only.
FBMS' s Interest Coverage Range Over the Past 10 Years
Min: 0.18  Med: 0.56 Max: 3.75
Current: 3.86
0.18
3.75
F-Score: 4
M-Score: -2.52
WACC vs ROIC
0.07%
7.56%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 27.87
FBMS's Operating margin (%) is ranked lower than
58% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. FBMS: 27.87 )
Ranked among companies with meaningful Operating margin (%) only.
FBMS' s Operating margin (%) Range Over the Past 10 Years
Min: 12.02  Med: 17.78 Max: 28.18
Current: 27.87
12.02
28.18
Net-margin (%) 20.37
FBMS's Net-margin (%) is ranked lower than
57% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. FBMS: 20.37 )
Ranked among companies with meaningful Net-margin (%) only.
FBMS' s Net-margin (%) Range Over the Past 10 Years
Min: 8.92  Med: 13.64 Max: 19.94
Current: 20.37
8.92
19.94
ROE (%) 8.86
FBMS's ROE (%) is ranked higher than
55% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. FBMS: 8.86 )
Ranked among companies with meaningful ROE (%) only.
FBMS' s ROE (%) Range Over the Past 10 Years
Min: 3.64  Med: 5.66 Max: 13.04
Current: 8.86
3.64
13.04
ROA (%) 0.81
FBMS's ROA (%) is ranked lower than
55% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FBMS: 0.81 )
Ranked among companies with meaningful ROA (%) only.
FBMS' s ROA (%) Range Over the Past 10 Years
Min: 0.37  Med: 0.57 Max: 0.93
Current: 0.81
0.37
0.93
Revenue Growth (3Y)(%) -3.50
FBMS's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FBMS: -3.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBMS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.5  Med: 13.50 Max: 119.5
Current: -3.5
-3.5
119.5
EBITDA Growth (3Y)(%) 6.20
FBMS's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. FBMS: 6.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBMS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.1  Med: 14.90 Max: 30.7
Current: 6.2
-20.1
30.7
EPS Growth (3Y)(%) 10.20
FBMS's EPS Growth (3Y)(%) is ranked higher than
60% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FBMS: 10.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBMS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -36.3  Med: 13.00 Max: 85
Current: 10.2
-36.3
85
» FBMS's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:FNCB, NAS:JAXB, NAS:ACFC, NAS:FCCO, NAS:SLCT, NAS:OPOF, NAS:EVBS, NAS:ASBB, NAS:FCCY, OTCPK:CWBB, OTCPK:ENBP, NAS:SOCB, NAS:CIVB, NAS:OVBC, NAS:HBMD, OTCPK:MNAT, NAS:CBFV, NAS:PKBK, OTCPK:BKGMF, NAS:CLBH » details
First Bancshares Inc, through The First, A National Banking Association provides commercial and retail banking business characterized by personalized service & local decision-making, emphasizing the banking needs of small to medium-sized businesses.

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 is engaged in offering a full range of deposit services and commercial and personal loans. The Company's products and services include Deposit Services, Loan Products, Mortgage Loan Division, Private Banking Division and Other Services. It offers deposit services that are typically available in 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. Loan Products offers 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. Mortgage Loan Division, which originates loans to purchase existing or construct new homes and to refinance existing mortgages. Private Banking Division, which offers financial services and wealth management services to individuals who meet certain criteria. 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 Company competes with both federally chartered and state-chartered financial and thrift institutions, as well as credit unions, consumer finance companies, insurance companies, and other institutions in the Company's market area. The Company and the Bank are subject to state and federal banking laws and regulations, which impose specific requirements or restrictions on and provide for general regulatory oversight with respect to virtually all aspects of operations.

Ratios

vs
industry
vs
history
P/E(ttm) 10.40
FBMS's P/E(ttm) is ranked higher than
61% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FBMS: 10.40 )
Ranked among companies with meaningful P/E(ttm) only.
FBMS' s P/E(ttm) Range Over the Past 10 Years
Min: 7.98  Med: 14.13 Max: 31.25
Current: 10.4
7.98
31.25
Forward P/E 10.10
FBMS's Forward P/E is ranked higher than
68% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FBMS: 10.10 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.40
FBMS's PE(NRI) is ranked higher than
61% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FBMS: 10.40 )
Ranked among companies with meaningful PE(NRI) only.
FBMS' s PE(NRI) Range Over the Past 10 Years
Min: 8.28  Med: 14.14 Max: 31.18
Current: 10.4
8.28
31.18
Price/Owner Earnings (ttm) 13.25
FBMS's Price/Owner Earnings (ttm) is ranked lower than
56% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. FBMS: 13.25 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FBMS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.98  Med: 8.53 Max: 96.59
Current: 13.25
1.98
96.59
P/B 1.03
FBMS's P/B is ranked lower than
54% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. FBMS: 1.03 )
Ranked among companies with meaningful P/B only.
FBMS' s P/B Range Over the Past 10 Years
Min: 0.45  Med: 1.01 Max: 3.49
Current: 1.03
0.45
3.49
P/S 2.04
FBMS's P/S is ranked higher than
68% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. FBMS: 2.04 )
Ranked among companies with meaningful P/S only.
FBMS' s P/S Range Over the Past 10 Years
Min: 0.93  Med: 1.78 Max: 7.1
Current: 2.04
0.93
7.1
PFCF 59.75
FBMS's PFCF is ranked lower than
95% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. FBMS: 59.75 )
Ranked among companies with meaningful PFCF only.
FBMS' s PFCF Range Over the Past 10 Years
Min: 2  Med: 5.64 Max: 491.07
Current: 59.75
2
491.07
POCF 9.52
FBMS's POCF is ranked lower than
57% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. FBMS: 9.52 )
Ranked among companies with meaningful POCF only.
FBMS' s POCF Range Over the Past 10 Years
Min: 1.78  Med: 5.53 Max: 786.11
Current: 9.52
1.78
786.11
EV-to-EBIT 10.23
FBMS's EV-to-EBIT is ranked higher than
63% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. FBMS: 10.23 )
Ranked among companies with meaningful EV-to-EBIT only.
FBMS' s EV-to-EBIT Range Over the Past 10 Years
Min: -27.6  Med: 12.60 Max: 44
Current: 10.23
-27.6
44
EV-to-EBITDA 8.68
FBMS's EV-to-EBITDA is ranked higher than
66% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. FBMS: 8.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBMS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -21.9  Med: 9.00 Max: 35.7
Current: 8.68
-21.9
35.7
PEG 0.85
FBMS's PEG is ranked higher than
60% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FBMS: 0.85 )
Ranked among companies with meaningful PEG only.
FBMS' s PEG Range Over the Past 10 Years
Min: 0.46  Med: 0.92 Max: 23.3
Current: 0.85
0.46
23.3
Shiller P/E 15.79
FBMS's Shiller P/E is ranked higher than
52% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.55 vs. FBMS: 15.79 )
Ranked among companies with meaningful Shiller P/E only.
FBMS' s Shiller P/E Range Over the Past 10 Years
Min: 8.82  Med: 13.65 Max: 21.14
Current: 15.79
8.82
21.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.87
FBMS's Dividend Yield is ranked lower than
92% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. FBMS: 0.87 )
Ranked among companies with meaningful Dividend Yield only.
FBMS' s Dividend Yield Range Over the Past 10 Years
Min: 0.25  Med: 1.20 Max: 3.1
Current: 0.87
0.25
3.1
Dividend Payout 0.09
FBMS's Dividend Payout is ranked higher than
94% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. FBMS: 0.09 )
Ranked among companies with meaningful Dividend Payout only.
FBMS' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.14 Max: 1.3
Current: 0.09
0.08
1.3
Forward Dividend Yield 0.87
FBMS's Forward Dividend Yield is ranked lower than
94% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. FBMS: 0.87 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.16
FBMS's Yield on cost (5-Year) is ranked lower than
88% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. FBMS: 1.16 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FBMS' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.33  Med: 1.61 Max: 4.15
Current: 1.16
0.33
4.15
3-Year Average Share Buyback Ratio -19.90
FBMS's 3-Year Average Share Buyback Ratio is ranked lower than
88% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FBMS: -19.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FBMS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -23.4  Med: -7.10 Max: 0.3
Current: -19.9
-23.4
0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.23
FBMS's Price/Tangible Book is ranked lower than
61% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FBMS: 1.23 )
Ranked among companies with meaningful Price/Tangible Book only.
FBMS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.45  Med: 1.20 Max: 2.98
Current: 1.23
0.45
2.98
Price/Projected FCF 0.58
FBMS's Price/Projected FCF is ranked higher than
58% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. FBMS: 0.58 )
Ranked among companies with meaningful Price/Projected FCF only.
FBMS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.46 Max: 4.13
Current: 0.58
0.26
4.13
Price/Median PS Value 1.15
FBMS's Price/Median PS Value is ranked lower than
72% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. FBMS: 1.15 )
Ranked among companies with meaningful Price/Median PS Value only.
FBMS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.5  Med: 1.03 Max: 3.37
Current: 1.15
0.5
3.37
Price/Peter Lynch Fair Value 0.73
FBMS's Price/Peter Lynch Fair Value is ranked higher than
58% of the 423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. FBMS: 0.73 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FBMS' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.66  Med: 0.94 Max: 3.91
Current: 0.73
0.66
3.91
Price/Graham Number 0.75
FBMS's Price/Graham Number is ranked higher than
55% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FBMS: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
FBMS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.5  Med: 0.87 Max: 1.84
Current: 0.75
0.5
1.84
Earnings Yield (Greenblatt) (%) 9.79
FBMS's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FBMS: 9.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBMS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.3  Med: 7.70 Max: 3401.5
Current: 9.79
2.3
3401.5
Forward Rate of Return (Yacktman) (%) 24.51
FBMS's Forward Rate of Return (Yacktman) (%) is ranked higher than
73% of the 874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.27 vs. FBMS: 24.51 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBMS' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 0.3  Med: 23.95 Max: 36.1
Current: 24.51
0.3
36.1

More Statistics

Revenue (TTM) (Mil) $46.01
EPS (TTM) $ 1.66
Beta-0.54
Short Percentage of Float0.09%
52-Week Range $15.32 - 19.32
Shares Outstanding (Mil)5.46

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.71 2.00
EPS w/o NRI ($) 1.71 2.00
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for FBMS

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