First Bancshares

FBSI

Banks - Regional · Financial Services

Price

$32.49

+0.00 (+0.00%)

Market Cap

$78.4M

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

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)

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.

Winston Score History

Growth Profile

For growth stock investors

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

Revenue Growth

+57.6% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+25.7% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

3.8%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$52M cash & investments

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

Revenue accelerating

First Bancshares grew revenue 58% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

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.

Quality

Gross Margin

72.7%

Premium pricing power — 72.7% gross margin

Operating Margin

30.5%

Excellent — 30.5% operating margin

ROCE

3.6%

Weak — 3.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+16.3%

Fast-growing sales (16.3% YoY)

EPS YoY

+22.0%

Earnings growing fast (22.0% YoY)

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

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

111%

Turns 111% of profit into real cash

FCF Margin

23.9%

Converts sales into free cash efficiently (23.9%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

0.13

Conservative — low debt load (0.13)

Interest Cover

1.18x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

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.

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend Yield

1.62%

Small dividend — 1.62% yield

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

Dividend Growth

+50.5%

Dividend growing fast (50.5% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial