First Bancshares Key Fundamental Indicators

First Bancshares Balance Sheet		Trends
Current Value Last Year Historical Average  10 Year Trend Total Assets 720.7 M 1.2 B 753.6 M Slightly volatile Short and Long Term Debt Total 10.4 M 10.9 M 14.9 M Pretty Stable Other Current Liabilities 148.5 M 156.3 M 572.4 M Slightly volatile Total Current Liabilities 148.5 M 156.3 M 579.2 M Slightly volatile Total Stockholder Equity 82 M 105.6 M 78.7 M Slightly volatile Property Plant And Equipment Net 17.9 M 26.3 M 19.1 M Slightly volatile Retained Earnings 87.9 M 121.2 M 89 M Slightly volatile Accounts Payable 1.5 M 1.6 M 719 K Slightly volatile Cash 8.9 M 9.4 M 41.1 M Very volatile Non Current Assets Total 32 M 33.7 M 497.5 M Pretty Stable Non Currrent Assets Other 32.7 M 42.1 M 34.6 M Very volatile Cash And Short Term Investments 104.8 M 177.5 M 163.8 M Very volatile Net Receivables 3 M 3.9 M 2.8 M Slightly volatile Common Stock Total Equity 68.6 K 86.2 K 71.4 K Slightly volatile Common Stock Shares Outstanding 6.9 M 6.1 M 6.2 M Slightly volatile Liabilities And Stockholders Equity 720.6 M 1.2 B 753.6 M Slightly volatile Non Current Liabilities Total 937.4 M 892.8 M 122 M Slightly volatile Total Liabilities 638.9 M 1 B 675 M Slightly volatile Property Plant And Equipment Gross 58 M 55.3 M 28.4 M Slightly volatile Total Current Assets 108.9 M 181.4 M 166.7 M Very volatile Short Term Debt 12.1 M 11.5 M 7.7 M Slightly volatile Common Stock 70.7 K 79 K 71.2 K Slightly volatile Other Liabilities 7.4 M 5.6 M 7.1 M Slightly volatile Short Term Investments 159.7 M 168.1 M 126.5 M Very volatile Property Plant Equipment 21.4 M 28.9 M 22.9 M Slightly volatile Other Current Assets 55.2 M 58.1 M 65.5 M Pretty Stable Net Tangible Assets 81.8 M 88.9 M 75.5 M Slightly volatile Retained Earnings Total Equity 96 M 120.1 M 92 M Slightly volatile Long Term Debt Total 12.3 M 9.7 M 11.8 M Slightly volatile Capital Surpluse 12.4 M 16.7 M 12.1 M Slightly volatile Long Term Investments 303.3 M 193.9 M 256.7 M Pretty Stable Non Current Liabilities Other 9.7 M 10.1 M 8.9 M Pretty Stable Short and Long Term Debt 11.4 M 11.5 M 9.3 M Slightly volatile Earning Assets 172.6 M 148.2 M 209.9 M Slightly volatile Net Invested Capital 114.2 M 137.4 M 105.6 M Slightly volatile Capital Stock 83 K 89.7 K 76.5 K Slightly volatile
First Bancshares Income Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Depreciation And Amortization 1.4 M 2 M 1.3 M Slightly volatile Interest Expense 23.1 M 22 M 8 M Slightly volatile Selling General Administrative 16.9 M 19.1 M 18.8 M Slightly volatile Total Revenue 50.2 M 63 M 43.4 M Slightly volatile Gross Profit 33.4 M 37 M 33 M Slightly volatile Other Operating Expenses 42.3 M 55.1 M 38.9 M Slightly volatile Cost Of Revenue 27.3 M 26 M 11 M Slightly volatile Selling And Marketing Expenses 23.6 M 22.5 M 5.3 M Slightly volatile Tax Provision 1.7 M 3 M 1.5 M Slightly volatile Net Interest Income 37.1 M 41.6 M 32.6 M Slightly volatile Interest Income 44.2 M 67 M 39 M Slightly volatile Reconciled Depreciation 2 M 2 M 1.5 M Slightly volatile Extraordinary Items 2 M 2.2 M 2.4 M Slightly volatile Non Operating Income Net Other 784.8 K 882.9 K 963.7 K Slightly volatile
First Bancshares Cash Flow Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Begin Period Cash Flow 33.7 M 57.8 M 43.4 M Slightly volatile Depreciation 1.6 M 2 M 1.6 M Pretty Stable Capital Expenditures 1.9 M 2.4 M 2.4 M Very volatile Total Cash From Operating Activities 9.5 M 7 M 9.7 M Pretty Stable End Period Cash Flow 34.9 M 54.3 M 45.2 M Slightly volatile Stock Based Compensation 745 K 709.5 K 453.2 K Slightly volatile
Financial Ratios		Trends
Current Value Last Year Historical Average  10 Year Trend Price To Sales Ratio 2.4 1.2901 1.5784 Pretty Stable Dividend Yield 0.0268 0.02 0.0122 Slightly volatile PTB Ratio 1.34 0.7693 0.7863 Pretty Stable Days Sales Outstanding 36.2 22.6901 26.6407 Slightly volatile Book Value Per Share 9.6 18.1605 12.7766 Slightly volatile Operating Cash Flow Per Share 2.07 1.53 1.6554 Very volatile Average Payables 514.4 K 541.4 K 580.8 K Pretty Stable Stock Based Compensation To Revenue 0.0077 0.009 0.0085 Slightly volatile Capex To Depreciation 1.14 1.1 2.0228 Pretty Stable PB Ratio 1.34 0.7693 0.7863 Pretty Stable Payables Turnover 11.91 11.68 15.9057 Pretty Stable Sales General And Administrative To Revenue 0.29 0.3027 0.4419 Slightly volatile Capex To Revenue 0.0354 0.0306 0.0597 Very volatile Cash Per Share 32.03 30.5075 27.7391 Pretty Stable POCF Ratio 9.3 10.91 6.8322 Slightly volatile Capex To Operating Cash Flow 0.15 0.24 0.2893 Very volatile Days Payables Outstanding 32.9 32.33 27.0664 Pretty Stable Intangibles To Total Assets 0.0061 0.0064 0.0096 Slightly volatile Current Ratio 1.22 1.1603 0.3891 Slightly volatile Tangible Book Value Per Share 9.22 16.8825 12.1314 Slightly volatile Receivables Turnover 10.17 16.0863 15.097 Pretty Stable Graham Number 12.46 20.5151 13.7045 Slightly volatile Shareholders Equity Per Share 9.62 18.1605 12.7972 Slightly volatile Debt To Equity 0.0984 0.1036 0.2169 Slightly volatile Capex Per Share 0.22 0.32 0.3873 Very volatile Average Receivables 3.4 M 3.2 M 3.4 M Pretty Stable Revenue Per Share 5.85 10.8284 7.0344 Slightly volatile Interest Debt Per Share 9.79 5.6557 4.1732 Slightly volatile Debt To Assets 0.009 0.0095 0.024 Slightly volatile Short Term Coverage Ratios 0.85 0.89 9.3922 Slightly volatile Operating Cycle 36.2 22.6901 26.6407 Slightly volatile Price Book Value Ratio 1.34 0.7693 0.7863 Pretty Stable Days Of Payables Outstanding 32.9 32.33 27.0664 Pretty Stable Price To Operating Cash Flows Ratio 9.3 10.91 6.8322 Slightly volatile Effective Tax Rate 0.37 0.245 0.3161 Pretty Stable Company Equity Multiplier 6.92 10.9305 9.2743 Slightly volatile Long Term Debt To Capitalization 0.0892 0.0939 0.1274 Slightly volatile Total Debt To Capitalization 0.0892 0.0939 0.1601 Pretty Stable Debt Equity Ratio 0.0984 0.1036 0.2169 Slightly volatile Quick Ratio 1.22 1.1603 0.3891 Slightly volatile Dividend Paid And Capex Coverage Ratio 1.97 2.08 7.3805 Slightly volatile Cash Ratio 0.0482 0.0601 0.0704 Slightly volatile Operating Cash Flow Sales Ratio 0.14 0.1255 0.244 Slightly volatile Days Of Sales Outstanding 36.2 22.6901 26.6407 Slightly volatile Cash Flow Coverage Ratios 0.32 0.33 2.9642 Slightly volatile Price To Book Ratio 1.34 0.7693 0.7863 Pretty Stable Fixed Asset Turnover 3.51 2.3967 2.7017 Slightly volatile Capital Expenditure Coverage Ratio 4.04 4.25 11.0315 Slightly volatile Price Cash Flow Ratio 9.3 10.91 6.8322 Slightly volatile Debt Ratio 0.009 0.0095 0.024 Slightly volatile Cash Flow To Debt Ratio 0.32 0.33 2.9642 Slightly volatile Price Sales Ratio 2.4 1.2901 1.5784 Pretty Stable Asset Turnover 0.0783 0.0546 0.059 Pretty Stable Gross Profit Margin 0.51 0.5875 0.7395 Very volatile Price Fair Value 1.34 0.7693 0.7863 Pretty Stable
First Bancshares Valuation Data		Trends
Current Value Last Year Historical Average  10 Year Trend Market Cap 86.9 M 81.3 M 61 M Slightly volatile

First Fundamental Market Drivers

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First Profit Margin Driver Correlations

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First Bancshares 'What if' Analysis

Hype Prediction Low Estimated High 13.76 15.67 17.58 Details

Intrinsic Valuation Low Real High 13.18 15.09 17.00 Details

First Bancshares February 12, 2026 Technical Indicators

First Bancshares Backtested Returns

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Net Profit Margin Over Time

First Pretax Profit Margin

First Bancshares Fundamental Drivers Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First Bancshares's current stock value. Our valuation model uses many indicators to compare First Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Bancshares competition to find correlations between indicators driving First Bancshares's intrinsic value. More Info.First Bancshares is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First Bancshares is roughly  11.08 . At present, First Bancshares' Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the First Bancshares' earnings, one of the primary drivers of an investment's value.

First Profit Margin Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses First Bancshares' direct or indirect competition against its Profit Margin to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of First Bancshares could also be used in its relative valuation, which is a method of valuing First Bancshares by comparing valuation metrics of similar companies.

First Bancshares Current Valuation Drivers

First Bancshares ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First Bancshares' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First Bancshares' managers, analysts, and investors.

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether First Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First Bancshares' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First Bancshares Stock:

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