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First Bancshares /MO/FBSI 67 Peter Lynch Fair Value is $34.21 as of Jul. 31, 2026, which is 3878% above its 10-year median of 0.86. GuruFocus rates FBSI with a GF Score™ of 67/100 and a GF Value™ of $30.61 (Fairly Valued). The stock has 3 warning signs investors should review. Among 874 Banks companies, First Bancshares /MO/ ranks better than 59.73% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, First Bancshares /MO/'s PEG is 1. First Bancshares /MO/'s 5-Year TTM Book Value Growth Rate is 10.88.
First Bancshares /MO/'s EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $3.14. Therefore, the Peter Lynch Fair Value for today is $34.21.
The historical rank and industry rank for First Bancshares /MO/'s Peter Lynch Fair Value or its related term are showing as below:
FBSI'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.81 Med: 0.86 Max: 1.37
Current: 0.96
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of First Bancshares /MO/ was 1.37. The lowest was 0.81. And the median was 0.86.
FBSI's Price-to-Peter-Lynch-Fair-Value is ranked better than 59.73% of 874
companies
in the Banks industry
Industry Median: 1.11
vs FBSI: 0.96
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
First Bancshares /MO/ (OTCPK:FBSI) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 10.88 instead of 15 in this case.
First Bancshares /MO/'s Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
32.95
/
34.21
=
0.96
* 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/ Peter Lynch Fair Value Related Terms
First Bancshares /MO/ Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for First Bancshares /MO/'s Peter Lynch Fair Value 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.
First Bancshares /MO/ Peter Lynch Fair Value Chart
FBSI vs CYFL, FRSB, OPHC: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, First Bancshares /MO/'s Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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/ Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, First Bancshares /MO/'s Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where First Bancshares /MO/'s Price-to-Peter-Lynch-Fair-Value falls into.
First Bancshares /MO/'s EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was $3.14.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $34.21 mean?
First Bancshares /MO/ (FBSI) has a Peter Lynch Fair Value of $34.21 as of Jul. 31, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on First Bancshares /MO/ and its competitors. This is 3878% above median its historical median of 0.86. Over the past decade, First Bancshares /MO/'s Peter Lynch Fair Value has ranged from 0.81 to 1.37. According to the industry distribution chart, First Bancshares /MO/ ranks #352 out of 874 companies in the Banks industry, placing it in the top 40.3%.
Is First Bancshares /MO/'s Peter Lynch Fair Value too high?
First Bancshares /MO/'s current Peter Lynch Fair Value of $34.21 is 3878% above median its 10-year median of 0.86. Over the past 10 years, this metric has ranged from a low of 0.81 to a high of 1.37. The Banks industry median Peter Lynch Fair Value is 1.11. First Bancshares /MO/'s value of $34.21 is 2982% above this industry median. Based on the distribution chart, First Bancshares /MO/ ranks #352 out of 874 companies in the Banks industry, which is above the industry midpoint. Overall, First Bancshares /MO/ has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Bancshares /MO/'s Peter Lynch Fair Value compare to CYFL and FRSB?
According to the Banks industry distribution chart, First Bancshares /MO/ ranks #352 out of 874 companies for Peter Lynch Fair Value. This puts First Bancshares /MO/ in the upper half of its industry. The industry median Peter Lynch Fair Value is 1.11. First Bancshares /MO/'s value of $34.21 is 2982% above this benchmark. Historically, First Bancshares /MO/'s own Peter Lynch Fair Value has ranged from 0.81 to 1.37 over the past decade. While the company's 10-year median is 0.86 vs. the industry median of 1.11, First Bancshares /MO/ has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.11, based on 874 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancshares /MO/'s current Peter Lynch Fair Value of $34.21 is 2982% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on First Bancshares /MO/ and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancshares /MO/'s current Peter Lynch Fair Value is $34.21, which is 3878% above median its own 10-year median of 0.86. 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 Fairly Valued. The stock's GF Value™ is $30.61, compared to a current price of $32.95 — trading 7.6% above its estimated fair value. The current Peter Lynch Fair Value is $34.21, which is 3878% above median its 10-year median of 0.86 and 2982% above the Banks industry median of 1.11. First Bancshares /MO/'s overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For First Bancshares /MO/ (FBSI), the current Peter Lynch Fair Value is $34.21 as of Jul. 31, 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 $32.95 is trading 7.6% above its estimated GF Value™ of $30.61.
GuruFocus considers First Bancshares /MO/ to be Fairly Valued.
Key valuation signals for FBSI:
Peter Lynch Fair Value: $34.21 (3878% above median its 10-year median of 0.86)
GF Value™: $30.61 vs. price of $32.95 (7.6% above fair value)
Industry Position: 2982% above the Banks median (#352 of 874)
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.
67GF Score
Get the complete analysis for FBSI
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