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First Bancshares

FBSI
58
Banks - Regional · Financial Services
Price
$34.10
+0.00 (+0.00%)
Market Cap
$82.3M
Winston Score
58
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Mixed
Growth
Exceptional
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Good
Dividends
Good
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Share count falling — buybacks

−6.9% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 2.6M (2021) → 2.4M (2025)

Winston Score History

The full picture

First Bancshares, Inc. is a small regional bank holding company based in Mississippi. It operates through its subsidiary bank, offering everyday financial services like checking and savings accounts, loans, and mortgages to individuals and small businesses in the southeastern United States.

The company makes money primarily from the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. It operates mainly in Mississippi and nearby states, with a market cap of roughly $100 million, making it a very small community-focused bank. Community banks like this one rely heavily on local relationships and customer loyalty as their main competitive advantage, but they face ongoing pressure from larger national banks and fintech apps that can offer lower costs and more convenience to customers.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+10.1% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+18.7% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

3.8%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$616M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

First Bancshares is a rare growth stock that's already generating positive cash flow while growing at 10%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
7.8%
no trend
Weak — 7.8% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.02%
no trend
Healthy — 3.02% net interest margin
Cost of running the bank
Efficiency Ratio
73.5%
no trend
Bloated cost base — 73.5% efficiency ratio

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Growth

Sales growth
Sales YoY
+17.5%
Fast-growing sales (+17.5% YoY)
Profit growth
EPS YoY
+23.5%
Earnings growing fast (+23.5% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
12.9%
no trend
Fortress balance sheet — 12.9% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.24%
no trend
Clean loan book — 0.24% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
0.17%
no trend
Minimal losses — 0.17% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
9.8x
Attractive valuation — P/E 9.8

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Dividend
Dividend Yield
1.47%
Small dividend — 1.47% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+50.5%
Dividend growing fast (50.5% YoY)

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