FBMS Add to watchlist $33.81 +0.16 (+0.48%) Last updated: Apr 16, 2026 00:36
52-Week Range
$33.81
$27.05 $33.81 $40.57

Fundamentals Overview

The First Bancshares, Inc. is in the middle of its 52-week range with premium valuation, trading relatively flat today.

Valuation premium

P/E 13.9 PEG 6.03 P/B 1.06 P/S 2.56

Profitability

Net margin 18.7%

Risk (Beta)

0.91 — in line vol

Earnings & growth

EPS $2.43 Rev -7.8% Profit -1.5% vs prior qtr

BullzEye Analysis

Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.

Composite Signal

Sell
Buy
Hold — 39% confidence Risk: Moderate Volatility — Beta 0.91. Diversify and only invest what you can afford to lose.

Supporting (Buy):

Sentiment improving (9 upgrades)

Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.

Key Stats

Market Cap
$1.06B
P/E (TTM)
13.89
EPS (TTM)
$2.43
Dividend Yield
N/A
52-Week Range
$27.05 - $40.57
Volume vs Avg
N/A
Beta
0.91

About

The First Bancshares, Inc. operates as the bank holding company for The First, A National Banking Association that provides general commercial and retail banking services. The company operates through three segments: Commercial/Retail Bank, Mortgage Banking Division, and Holding Company. It offers deposit services, including checking, NOW, and savings accounts; other time deposits, such as daily money market accounts and longer-term certificates of deposit; and individual retirement and health s...
Sector: Financial Services
Headquarters: US
Employees: 1,051
IPO Date: Jan 2003
Beta: 0.91 (Less volatile than market)

Ratings & Grades at a Glance

Recent institutional grades: majority upgrades. Current institutional positions: Buy: 4, Equal Weight: 2, Market Perform: 2, Neutral: 5, Outperform: 10, Overweight: 6.

Financial story & AI narrative

Open this tab to load the financial story.

Valuation & Ratios

Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.

DCF vs price: DCF estimate is $-3.94; current price is $33.81. That’s a -111.7% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.

Metric Value
Valuation
P/E (TTM) 13.89
PEG (TTM) 6.03
P/B (TTM) 1.06
P/S (TTM) 2.56
P/FCF (TTM) 12.85
Liquidity & enterprise
Current Ratio (TTM) 0.12
Quick Ratio (TTM) 0.12
Cash Ratio (TTM) 0.03
Profitability
ROE (TTM) N/A
ROA (TTM) N/A
Revenue growth (YoY) N/A
Net margin (TTM) 18.71%
Gross margin (TTM) 66.22%
Operating margin (TTM) 23.75%
Debt to equity (TTM) N/A

Latest News

News loads when you open this tab.

Price Target, Ratings & Grades

Analyst price targets, consensus, rating snapshot, and institutional grades for FBMS.

Analyst Sentiment at a Glance

Sentiment Improving
Buy 4Equal Weight 2Market Perform 2Neutral 5Outperform 10Overweight 6
9 upgrades, 8 downgrades

Price target data is not available for this symbol from the current data source.

Stock Grades (Institutions)

Institution Action Previous Grade New Grade Date
Keefe, Bruyette & Woods maintain Outperform Outperform 2024-12-04
Janney Montgomery Scott downgrade Buy Neutral 2024-10-24
Keefe, Bruyette & Woods upgrade Market Perform Outperform 2024-08-02
Keefe, Bruyette & Woods maintain Market Perform Market Perform 2024-07-26
Keefe, Bruyette & Woods downgrade Outperform Market Perform 2024-01-26
Stephens & Co. maintain Overweight Overweight 2024-01-17
Stephens & Co. maintain Overweight Overweight 2023-10-27
DA Davidson upgrade Neutral Buy 2023-08-29
DA Davidson upgrade Neutral Buy 2023-08-28
Stephens & Co. maintain Overweight Overweight 2023-07-28
Stephens & Co. maintain Overweight Overweight 2023-07-27
Keefe, Bruyette & Woods maintain Outperform Outperform 2023-04-06
Keefe, Bruyette & Woods maintain Outperform Outperform 2023-04-05
Keefe, Bruyette & Woods maintain Outperform Outperform 2023-01-31
Keefe, Bruyette & Woods maintain Outperform Outperform 2023-01-30
Janney Montgomery Scott upgrade Neutral Buy 2022-11-09
Janney Montgomery Scott upgrade Neutral Buy 2022-11-08
Stephens & Co. maintain Overweight Overweight 2022-10-31
Stephens & Co. maintain Overweight Overweight 2022-10-30
Janney Montgomery Scott downgrade Buy Neutral 2022-07-28
Janney Montgomery Scott downgrade Buy Neutral 2022-07-27
DA Davidson downgrade Buy Neutral 2021-06-14
DA Davidson downgrade Buy Neutral 2021-06-13
Stephens & Co. downgrade Overweight Equal Weight 2019-07-09
Stephens & Co. downgrade Overweight Equal Weight 2019-07-08
Keefe, Bruyette& Woods upgrade Market Perform Outperform 2017-07-27
Keefe, Bruyette & Woods upgrade Market Perform Outperform 2017-07-27
Keefe Bruyette & Woods upgrade Market Perform Outperform 2017-07-27
Keefe, Bruyette & Woods upgrade Market Perform Outperform 2017-07-26