We assign a fundamental rating of 4 out of 10 to FBMS. FBMS was compared to 383 industry peers in the Banks industry. FBMS has a bad profitability rating. Also its financial health evaluation is rather negative. FBMS is not valued too expensively and it also shows a decent growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year FBMS was profitable.
FBMS had a positive operating cash flow in the past year.
Each year in the past 5 years FBMS has been profitable.
In the past 5 years FBMS always reported a positive cash flow from operatings.

1.2 Ratios

FBMS has a better Return On Assets (0.96%) than 64.02% of its industry peers.
FBMS's Return On Equity of 7.68% is in line compared to the rest of the industry. FBMS outperforms 44.91% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.96%
ROE	7.68%
ROIC	N/A

ROA(3y)0.96%

ROA(5y)0.99%

ROE(3y)8.45%

ROE(5y)8.6%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a decent Profit Margin value of 27.18%, FBMS is doing good in the industry, outperforming 71.22% of the companies in the same industry.
FBMS's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FBMS so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	27.18%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.26%

PM growth 5Y-1.55%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FBMS does not have a ROIC to compare to the WACC, probably because it is not profitable.
FBMS has more shares outstanding than it did 1 year ago.
FBMS has more shares outstanding than it did 5 years ago.
FBMS has about the same debt/assets ratio as last year.

2.2 Solvency

FBMS has a debt to FCF ratio of 1.52. This is a very positive value and a sign of high solvency as it would only need 1.52 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.52, FBMS is doing good in the industry, outperforming 62.78% of the companies in the same industry.
A Debt/Equity ratio of 0.12 indicates that FBMS is not too dependend on debt financing.
FBMS has a better Debt to Equity ratio (0.12) than 68.49% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.52
Altman-Z	N/A

ROIC/WACCN/A

WACC13.23%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FBMS shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.67%.
The Earnings Per Share has been decreasing by -2.65% on average over the past years.
Looking at the last year, FBMS shows a decrease in Revenue. The Revenue has decreased by -4.05% in the last year.
The Revenue has been growing by 13.82% on average over the past years. This is quite good.

EPS 1Y (TTM)1.67%

EPS 3Y-7.07%

EPS 5Y-2.65%

EPS Q2Q%65.71%

Revenue 1Y (TTM)-4.05%

Revenue growth 3Y13.43%

Revenue growth 5Y13.82%

Sales Q2Q%4.26%

3.2 Future

Based on estimates for the next years, FBMS will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.99% on average per year.
FBMS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.55% yearly.

EPS Next Y17.89%

EPS Next 2Y11.99%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year7.85%

Revenue Next 2Y6.55%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.86 indicates a correct valuation of FBMS.
FBMS's Price/Earnings ratio is a bit more expensive when compared to the industry. FBMS is more expensive than 68.24% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.25, FBMS is valued a bit cheaper.
With a Price/Forward Earnings ratio of 11.75, the valuation of FBMS can be described as very reasonable.
Based on the Price/Forward Earnings ratio, FBMS is valued a bit more expensive than 64.76% of the companies in the same industry.
FBMS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.98.

		Industry Rank	Sector Rank
PE	13.86
Fwd PE	11.75

4.2 Price Multiples

FBMS's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	12.85
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.77

PEG (5Y)N/A

EPS Next 2Y11.99%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FBMS has a Yearly Dividend Yield of 2.96%. Purely for dividend investing, there may be better candidates out there.
FBMS's Dividend Yield is slightly below the industry average, which is at 2.64.
FBMS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.

		Industry Rank	Sector Rank
Dividend Yield	2.96%

5.2 History

On average, the dividend of FBMS grows each year by 26.11%, which is quite nice.
FBMS has been paying a dividend for at least 10 years, so it has a reliable track record.
FBMS has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)26.11%

Div Incr Years7

Div Non Decr Years14

5.3 Sustainability

FBMS pays out 39.72% of its income as dividend. This is a sustainable payout ratio.
FBMS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP39.72%

EPS Next 2Y11.99%

EPS Next 3YN/A

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FIRST BANCSHARES INC/MS / FBMS FAQ

What is the ChartMill fundamental rating of FIRST BANCSHARES INC/MS (FBMS) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FBMS.

Can you provide the valuation status for FIRST BANCSHARES INC/MS?

ChartMill assigns a valuation rating of 4 / 10 to FIRST BANCSHARES INC/MS (FBMS). This can be considered as Fairly Valued.

How profitable is FIRST BANCSHARES INC/MS (FBMS) stock?

FIRST BANCSHARES INC/MS (FBMS) has a profitability rating of 3 / 10.

Can you provide the PE and PB ratios for FBMS stock?

The Price/Earnings (PE) ratio for FIRST BANCSHARES INC/MS (FBMS) is 13.86 and the Price/Book (PB) ratio is 1.05.

What is the earnings growth outlook for FIRST BANCSHARES INC/MS?

The Earnings per Share (EPS) of FIRST BANCSHARES INC/MS (FBMS) is expected to grow by 17.89% in the next year.