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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for First Bancshares /MO/'s Debt-to-Equity or its related term are showing as below:
FBSI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03 Med: 0.1 Max: 0.21
Current: 0.11
During the past 13 years, the highest Debt-to-Equity Ratio of First Bancshares /MO/ was 0.21. The lowest was 0.03. And the median was 0.10.
FBSI's Debt-to-Equity is ranked better than 87.41% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs FBSI: 0.11
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
First Bancshares /MO/ Debt-to-Equity Related Terms
First Bancshares /MO/ Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for First Bancshares /MO/'s Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FBSI vs CYFL, FRSB, OPHC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, First Bancshares /MO/'s Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Bancshares /MO/ Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Bancshares /MO/'s Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where First Bancshares /MO/'s Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Bancshares /MO/ (FBSI) has a Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Bancshares /MO/ and its competitors. Over the past decade, First Bancshares /MO/'s Debt-to-Equity has ranged from 0.03 to 0.21. According to the industry distribution chart, First Bancshares /MO/ ranks #179 out of 1422 companies in the Banks industry, placing it in the top 12.6%.
Is First Bancshares /MO/'s Debt-to-Equity too high?
First Bancshares /MO/'s current Debt-to-Equity is 0.00. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.21. Based on the distribution chart, First Bancshares /MO/ ranks #179 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Bancshares /MO/ has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Bancshares /MO/'s Debt-to-Equity compare to CYFL and FRSB?
According to the Banks industry distribution chart, First Bancshares /MO/ ranks #179 out of 1422 companies for Debt-to-Equity. This places First Bancshares /MO/ in the top 13% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Historically, First Bancshares /MO/'s own Debt-to-Equity has ranged from 0.03 to 0.21 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Bancshares /MO/ and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancshares /MO/'s current Debt-to-Equity is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Bancshares /MO/ stock overvalued right now?
Based on GuruFocus' analysis, First Bancshares /MO/ (FBSI) is currently considered Modestly Overvalued. The stock's GF Value™ is $30.74, compared to a current price of $34.10 — trading 10.9% above its estimated fair value. The current Debt-to-Equity is 0.00. First Bancshares /MO/'s overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For First Bancshares /MO/ (FBSI), the current Debt-to-Equity is 0.00 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Bancshares /MO/ (FBSI) Overvalued in 2026?
Based on GuruFocus' analysis, First Bancshares /MO/ stock appears to be overvalued.
The current stock price of $34.10 is trading 10.9% above its estimated GF Value™ of $30.74.
GuruFocus considers First Bancshares /MO/ to be Modestly Overvalued.
Key valuation signals for FBSI:
Debt-to-Equity: 0.00
GF Value™: $30.74 vs. price of $34.10 (10.9% above fair value)
No single metric tells the full story. See the FBSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Bancshares Inc /MO/ is the holding company for Stockmens Bank, a FDIC-insured commercial bank chartered by the State of Colorado that conducts business from its home office in Colorado Springs, Colorado, a full service branch in Akron, Colorado, eight full service Missouri offices in Mountain Grove, Marshfield, Ava, Kissee Mills, Gainesville, Crane, Hartville and Springfield, and a full service office in Bartley, Nebraska.
66GF Score
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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