The First Bancshares, Inc. (Mississippi) (FBMS) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Inter & Co., Inc.

NBT Bancorp, Inc.

Nicolet Bankshares, Inc.

City Holding Co.

OFG Bancorp

FB Financial Corp.

Park National Corp.

Stellar Bancorp, Inc.

The First Bancshares, Inc. (Mississippi)

Hope Bancorp, Inc.

Pathward Financial, Inc.

Why is The First Bancshares, Inc. (Mississippi) ?

Strong lending practices with low Gross NPA ratio of 0.38%

Strong Long Term Fundamental Strength with a 10.56% CAGR growth in Net Profits

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 10.56%

Flat results in Dec 24

OPERATING CASH FLOW(Y) Lowest at USD 86.57 MM
INTEREST(9M) At USD 101.24 MM has Grown at 32.87%
GROSS NPA (%)(Q) Highest at 0.38%

With ROE of 8, it has a fair valuation with a 1.1 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 0%, its profits have fallen by -2.9%

High Institutional Holdings at 84.52%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 3.72% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to The First Bancshares, Inc. (Mississippi) should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is The First Bancshares, Inc. (Mississippi) for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

The First Bancshares, Inc. (Mississippi)

30.29%

0.90

33.59%

S&P 500

13.22%

0.61

20.23%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

20.02%

EBIT Growth (5y)

11.63%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

16.62%

Pledged Shares

Institutional Holding

84.52%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.05

EV to EBIT

13.09

EV to EBITDA

10.96

EV to Capital Employed

1.05

EV to Sales

3.01

PEG Ratio

Dividend Yield

1.56%

ROCE (Latest)

8.01%

ROE (Latest)

7.97%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Bearish

OBV

Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Not enough Data to analyse Financial Trend

Here's what is working for The First Bancshares, Inc. (Mississippi)

NII

Highest at USD 60.12 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Net Sales

Highest at USD 93.58 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Credit Deposit Ratio

Highest at 81.87%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

CASA

Highest at 13.1%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for The First Bancshares, Inc. (Mississippi)

Non Performing Loans (%)

Highest at 0.38%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Interest

At USD 101.24 MM has Grown at 32.87%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Operating Cash Flow

Lowest at USD 86.57 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Operating Profit

Lowest at USD 22.94 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 24.52 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Non Operating Income

Highest at USD 0.01 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income