Dashboard
1
Strong lending practices with low Gross NPA ratio of 0.38%
2
Strong Long Term Fundamental Strength with a 10.56% CAGR growth in Net Profits
3
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%
4
Flat results in Dec 24
5
With ROE of 8, it has a fair valuation with a 1.1 Price to Book Value
6
High Institutional Holdings at 84.52%
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-3.4%
0%
-3.4%
6 Months
9.06%
0%
9.06%
1 Year
30.29%
0%
30.29%
2 Years
30.89%
0%
30.89%
3 Years
0.45%
0%
0.45%
4 Years
-7.65%
0%
-7.65%
5 Years
77.29%
0%
77.29%
The First Bancshares, Inc. (Mississippi) for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
20.02%
EBIT Growth (5y)
11.63%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
16.62%
Pledged Shares
0
Institutional Holding
84.52%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
13
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
NA
Dividend Yield
1.56%
ROCE (Latest)
8.01%
ROE (Latest)
7.97%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bearish
Bearish
OBV
Bullish
No Trend
Shareholding Snapshot : Dec 2024
Shareholding Compare (%holding) 
Majority shareholders
Domestic Funds
Domestic Funds
Held in 53 Schemes (31.63%)
Foreign Institutions
Held by 74 Foreign Institutions (9.77%)
Strategic Entities with highest holding
Highest Public shareholder
About The First Bancshares, Inc. (Mississippi) 
The First Bancshares, Inc. (Mississippi)
Major Banks
First Bancshares, Inc. is a bank holding company for The First, A National Banking Association (the Bank). The Company and the Bank engage in a general commercial and retail banking business for small to medium-sized businesses, professional concerns and individuals. The Bank provides a range of banking services across Mississippi, Louisiana, Alabama, Florida and Georgia. The Bank offers a range of commercial and personal loans. Commercial loans include both secured and unsecured loans for working capital (including loans secured by inventory and accounts receivable), business expansion (including acquisition of real estate and improvements), and purchase of equipment and machinery. The Bank offers a range of deposit services, including noninterest-bearing accounts, negotiable order of withdrawal (NOW) accounts, money market accounts, savings accounts and time deposits.






