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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
66% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 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: 0.16  Med: 0.71 Max: 29.9
Current: 0.78
0.16
29.9
Equity-to-Asset 0.12
FBMS's Equity-to-Asset is ranked higher than
68% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBMS: 0.12 )
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: 0.23
Current: 0.12
0.06
0.23
Interest Coverage 3.26
FBMS's Interest Coverage is ranked higher than
70% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. FBMS: 3.26 )
Ranked among companies with meaningful Interest Coverage only.
FBMS' s Interest Coverage Range Over the Past 10 Years
Min: 0.18  Med: 0.93 Max: 3.75
Current: 3.26
0.18
3.75
Beneish M-Score: -2.25
WACC vs ROIC
0.50%
6.84%
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 : 4/10

vs
industry
vs
history
Operating Margin % 27.26
FBMS's Operating Margin % is ranked lower than
60% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. FBMS: 27.26 )
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: 27.26
Current: 27.26
12.02
27.26
Net Margin % 19.63
FBMS's Net Margin % is ranked lower than
59% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. FBMS: 19.63 )
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: 19.74
Current: 19.63
8.92
19.74
ROE % 8.22
FBMS's ROE % is ranked higher than
50% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. FBMS: 8.22 )
Ranked among companies with meaningful ROE % only.
FBMS' s ROE % Range Over the Past 10 Years
Min: 3.64  Med: 5.66 Max: 11.14
Current: 8.22
3.64
11.14
ROA % 0.82
FBMS's ROA % is ranked lower than
54% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FBMS: 0.82 )
Ranked among companies with meaningful ROA % only.
FBMS' s ROA % Range Over the Past 10 Years
Min: 0.37  Med: 0.57 Max: 0.84
Current: 0.82
0.37
0.84
3-Year Revenue Growth Rate 0.50
FBMS's 3-Year Revenue Growth Rate is ranked lower than
68% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. FBMS: 0.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FBMS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.5  Med: 13.5 Max: 110.6
Current: 0.5
-3.5
110.6
3-Year EBITDA Growth Rate 11.90
FBMS's 3-Year EBITDA Growth Rate is ranked higher than
67% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. FBMS: 11.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FBMS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -20.1  Med: 12.65 Max: 30.7
Current: 11.9
-20.1
30.7
3-Year EPS without NRI Growth Rate 17.80
FBMS's 3-Year EPS without NRI Growth Rate is ranked higher than
75% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FBMS: 17.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FBMS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -27.2  Med: 17.8 Max: 85
Current: 17.8
-27.2
85
GuruFocus has detected 4 Warning Signs with First Bancshares Inc $FBMS.
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» FBMS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:OTCPK:CATC, NAS:NKSH, OTCPK:ALRS, NAS:BLMT, OTCPK:IALB, NAS:MBRG, NAS:MBTF, NAS:TBBK, NAS:CHFN, NAS:CZNC, NAS:ATLO, NAS:FNLC, NAS:CVCY, NAS:PBNC, NAS:BWFG, NAS:FFKT, NAS:MFSF, NAS:LCNB, NAS:PFIS, NAS:FCFP » 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
PE Ratio 18.15
FBMS's PE Ratio is ranked lower than
70% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. FBMS: 18.15 )
Ranked among companies with meaningful PE Ratio only.
FBMS' s PE Ratio Range Over the Past 10 Years
Min: 7.18  Med: 13.24 Max: 31.18
Current: 18.15
7.18
31.18
Forward PE Ratio 17.83
FBMS's Forward PE Ratio is ranked lower than
80% of the 526 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. FBMS: 17.83 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 18.15
FBMS's PE Ratio without NRI is ranked lower than
67% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FBMS: 18.15 )
Ranked among companies with meaningful PE Ratio without NRI only.
FBMS' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.18  Med: 13.24 Max: 31.18
Current: 18.15
7.18
31.18
Price-to-Owner-Earnings 25.50
FBMS's Price-to-Owner-Earnings is ranked lower than
84% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. FBMS: 25.50 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FBMS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.93  Med: 8.93 Max: 571.43
Current: 25.5
1.93
571.43
PB Ratio 1.66
FBMS's PB Ratio is ranked lower than
76% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FBMS: 1.66 )
Ranked among companies with meaningful PB Ratio only.
FBMS' s PB Ratio Range Over the Past 10 Years
Min: 0.45  Med: 1.01 Max: 3.36
Current: 1.66
0.45
3.36
PS Ratio 3.13
FBMS's PS Ratio is ranked higher than
55% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. FBMS: 3.13 )
Ranked among companies with meaningful PS Ratio only.
FBMS' s PS Ratio Range Over the Past 10 Years
Min: 0.93  Med: 1.8 Max: 6.82
Current: 3.13
0.93
6.82
Price-to-Free-Cash-Flow 25.15
FBMS's Price-to-Free-Cash-Flow is ranked lower than
85% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. FBMS: 25.15 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FBMS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.79  Med: 6.7 Max: 913.79
Current: 25.15
1.79
913.79
Price-to-Operating-Cash-Flow 17.93
FBMS's Price-to-Operating-Cash-Flow is ranked lower than
77% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. FBMS: 17.93 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FBMS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.78  Med: 5.71 Max: 143.24
Current: 17.93
1.78
143.24
EV-to-EBIT 19.81
FBMS's EV-to-EBIT is ranked lower than
76% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. FBMS: 19.81 )
Ranked among companies with meaningful EV-to-EBIT only.
FBMS' s EV-to-EBIT Range Over the Past 10 Years
Min: -27.6  Med: 11.8 Max: 33.6
Current: 19.81
-27.6
33.6
EV-to-EBITDA 17.02
FBMS's EV-to-EBITDA is ranked lower than
74% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. FBMS: 17.02 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBMS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -21.9  Med: 8.6 Max: 28.3
Current: 17.02
-21.9
28.3
PEG Ratio 1.67
FBMS's PEG Ratio is ranked lower than
56% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. FBMS: 1.67 )
Ranked among companies with meaningful PEG Ratio only.
FBMS' s PEG Ratio Range Over the Past 10 Years
Min: 0.45  Med: 0.9 Max: 15.72
Current: 1.67
0.45
15.72
Shiller PE Ratio 25.67
FBMS's Shiller PE Ratio is ranked lower than
65% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. FBMS: 25.67 )
Ranked among companies with meaningful Shiller PE Ratio only.
FBMS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.95  Med: 14.09 Max: 27.48
Current: 25.67
8.95
27.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.53
FBMS's Dividend Yield % is ranked lower than
96% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. FBMS: 0.53 )
Ranked among companies with meaningful Dividend Yield % only.
FBMS' s Dividend Yield % Range Over the Past 10 Years
Min: 0.25  Med: 1.07 Max: 3.1
Current: 0.53
0.25
3.1
Dividend Payout Ratio 0.10
FBMS's Dividend Payout Ratio is ranked higher than
94% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FBMS: 0.10 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FBMS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.14 Max: 0.42
Current: 0.1
0.1
0.42
Forward Dividend Yield % 0.53
FBMS's Forward Dividend Yield % is ranked lower than
97% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. FBMS: 0.53 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.52
FBMS's 5-Year Yield-on-Cost % is ranked lower than
96% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. FBMS: 0.52 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FBMS' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.25  Med: 1.07 Max: 3.1
Current: 0.52
0.25
3.1
3-Year Average Share Buyback Ratio -20.60
FBMS's 3-Year Average Share Buyback Ratio is ranked lower than
90% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. FBMS: -20.60 )
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: -20.6  Med: -7.1 Max: 0.3
Current: -20.6
-20.6
0.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.82
FBMS's Price-to-Tangible-Book is ranked lower than
73% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. FBMS: 1.82 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FBMS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.56  Med: 1.24 Max: 2.74
Current: 1.82
0.56
2.74
Price-to-Intrinsic-Value-Projected-FCF 0.79
FBMS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
51% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FBMS: 0.79 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FBMS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.47 Max: 2.71
Current: 0.79
0.24
2.71
Price-to-Median-PS-Value 1.74
FBMS's Price-to-Median-PS-Value is ranked lower than
88% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FBMS: 1.74 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FBMS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.55  Med: 1.03 Max: 2.58
Current: 1.74
0.55
2.58
Price-to-Peter-Lynch-Fair-Value 1.63
FBMS's Price-to-Peter-Lynch-Fair-Value is ranked lower than
65% of the 533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FBMS: 1.63 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FBMS' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.69  Med: 0.89 Max: 3.91
Current: 1.63
0.69
3.91
Price-to-Graham-Number 1.21
FBMS's Price-to-Graham-Number is ranked lower than
71% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FBMS: 1.21 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FBMS' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.51  Med: 0.85 Max: 1.7
Current: 1.21
0.51
1.7
Earnings Yield (Greenblatt) % 5.05
FBMS's Earnings Yield (Greenblatt) % is ranked lower than
57% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. FBMS: 5.05 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FBMS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3  Med: 8 Max: 3401.5
Current: 5.05
3
3401.5
Forward Rate of Return (Yacktman) % 19.47
FBMS's Forward Rate of Return (Yacktman) % is ranked higher than
70% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. FBMS: 19.47 )
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: 25.2 Max: 38.1
Current: 19.47
0.3
38.1

More Statistics

Revenue (TTM) (Mil) $51.54
EPS (TTM) $ 1.57
Beta-0.39
Short Percentage of Float1.32%
52-Week Range $15.50 - 30.80
Shares Outstanding (Mil)9.14

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.60 2.04
EPS without NRI ($) 1.60 2.04
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.15 0.15
» More Articles for FBMS

Headlines

Articles On GuruFocus.com

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FIRST BANCSHARES INC /MS/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Dec 30 2016
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