First Bancshares (FBSI) Stock Price, News & Analysis

Company Overview

First Bancshares, Inc. is a bank holding company headquartered in Southern Pines, North Carolina. Established in 1999 through the reorganization of First Bank into a holding company structure, First Bancshares serves as the parent of First Bank, a community-oriented financial institution. The company’s core mission is to deliver personalized banking solutions to individuals, small businesses and commercial clients across its regional footprint.

Through its banking subsidiary, First Bancshares offers a comprehensive suite of financial products and services, including deposit accounts, consumer and commercial lending, treasury and cash management, residential mortgage lending, and digital banking services. Additional lines of business include wealth management, trust and fiduciary services, as well as insurance brokerage and advisory services provided through affiliated entities.

First Bancshares operates in key markets throughout the southeastern United States, with branch locations in North Carolina, South Carolina, Virginia, Tennessee and Florida. The company has grown its franchise both organically and via strategic acquisitions, maintaining a focus on local decision-making and community engagement. Customers can access services through a network of branch offices, ATMs, online and mobile platforms, ensuring a consistent experience across channels.

Governance and leadership at First Bancshares are anchored by a seasoned management team with deep expertise in banking, finance and risk management. The board of directors comprises individuals with backgrounds in commercial banking, real estate, accounting and community development. This experienced leadership group emphasizes conservative lending practices, strong capital discipline and a commitment to serving the financial needs of communities across its markets.

Key Stats

• Today's Range: $27.00 to $27.00
• 50-Day Range: $26.12 to $27.61
• 52-Week Range: $24.10 to $27.61
• Volume: N/A
• Average Volume: 76 shs
• Market Capitalization: $65.53 million
• P/E Ratio: 9.57
• Dividend Yield: 1.48%
• Price Target: N/A
• Consensus Rating: N/A

First Bancshares Stock Analysis - MarketRank™

First Bancshares scored higher than 24% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for First Bancshares.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of First Bancshares is 9.57, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.52.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Bancshares is 9.57, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of First Bancshares has been sold short.

Short Interest Ratio / Days to Cover

First Bancshares has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

First Bancshares pays a meaningful dividend of 1.48%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of First Bancshares is 14.18%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the float of First Bancshares has been sold short.

Short Interest Ratio / Days to Cover

First Bancshares has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.69

News Sentiment

First Bancshares has a news sentiment score of 0.69. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for First Bancshares this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 5.51% of the stock of First Bancshares is held by insiders.

FBSI Stock Analysis - Frequently Asked Questions

How have FBSI shares performed this year?

First Bancshares' stock was trading at $25.00 at the beginning of 2025. Since then, FBSI shares have increased by 8.0% and is now trading at $27.00.

How were First Bancshares' earnings last quarter?

First Bancshares Inc. (OTCMKTS:FBSI) announced its quarterly earnings results on Friday, July, 11th. The financial services provider reported $0.75 EPS for the quarter. The financial services provider had revenue of $6.47 million for the quarter.

How do I buy shares of First Bancshares?

Shares of FBSI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 7/11/2025
• Today: 7/18/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:FBSI
• CIK: 912967
• Web: www.firsthomesavingsbank.com
• Phone: (417) 926-5151
• Fax: 417-926-4362
• Employees: 88
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $2.82
• Trailing P/E Ratio: 9.57
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $6.58 million
• Net Margins: 19.78%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $34.14 million
• Price / Sales: 1.92
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 2,427,000
• Free Float: 2,293,000
• Market Cap: $65.53 million
• Optionable: Not Optionable
• Beta: 0.13