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First Bancshares /MO/FBSI 67 Return-on-Tangible-Asset is 1.47% as of Mar. 2026, which is 31% above its 10-year median of 1.12. 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 1,528 Banks companies, First Bancshares /MO/ ranks better than 74.28% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. First Bancshares /MO/'s annualizedNet Income for the quarter that ended in Mar. 2026 was $8.47 Mil. First Bancshares /MO/'s average total tangible assets for the quarter that ended in Mar. 2026 was $576.08 Mil. Therefore, First Bancshares /MO/'s annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.47%.
The historical rank and industry rank for First Bancshares /MO/'s Return-on-Tangible-Asset or its related term are showing as below:
FBSI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -1.95 Med: 1.12 Max: 1.44
Current: 1.44
During the past 13 years, First Bancshares /MO/'s highest Return-on-Tangible-Asset was 1.44%. The lowest was -1.95%. And the median was 1.12%.
FBSI's Return-on-Tangible-Asset is ranked better than 74.28% of 1528
companies
in the Banks industry
Industry Median: 1.01
vs FBSI: 1.44
First Bancshares /MO/ (OTCPK:FBSI) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
First Bancshares /MO/ Return-on-Tangible-Asset Related Terms
First Bancshares /MO/ Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for First Bancshares /MO/'s Return-on-Tangible-Asset 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/ Return-on-Tangible-Asset Chart
FBSI vs CYFL, FRSB, OPHC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, First Bancshares /MO/'s Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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/ Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Bancshares /MO/'s Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where First Bancshares /MO/'s Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.47% mean?
First Bancshares /MO/ (FBSI) has a Return-on-Tangible-Asset of 1.47% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on First Bancshares /MO/ and its competitors. This is 31% above median its historical median of 1.12. According to the industry distribution chart, First Bancshares /MO/ ranks #393 out of 1528 companies in the Banks industry, placing it in the top 25.7%.
Is First Bancshares /MO/'s Return-on-Tangible-Asset too high?
First Bancshares /MO/'s current Return-on-Tangible-Asset of 1.47% is 31% above median its 10-year median of 1.12. The Banks industry median Return-on-Tangible-Asset is 1.01. First Bancshares /MO/'s value of 1.47% is 45.5% above this industry median. Based on the distribution chart, First Bancshares /MO/ ranks #393 out of 1528 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 Return-on-Tangible-Asset compare to CYFL and FRSB?
According to the Banks industry distribution chart, First Bancshares /MO/ ranks #393 out of 1528 companies for Return-on-Tangible-Asset. This puts First Bancshares /MO/ in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.01. First Bancshares /MO/'s value of 1.47% is 45.5% above this benchmark. While the company's 10-year median is 1.12 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancshares /MO/'s current Return-on-Tangible-Asset of 1.47% is 45.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on First Bancshares /MO/ and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancshares /MO/'s current Return-on-Tangible-Asset is 1.47%, which is 31% above median its own 10-year median of 1.12. 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 Return-on-Tangible-Asset is 1.47%, which is 31% above median its 10-year median of 1.12 and 45.5% above the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For First Bancshares /MO/ (FBSI), the current Return-on-Tangible-Asset is 1.47% 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 $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:
Return-on-Tangible-Asset: 1.47% (31% above median its 10-year median of 1.12)
GF Value™: $30.61 vs. price of $32.95 (7.6% above fair value)
Industry Position: 45.5% above the Banks median (#393 of 1528)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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