📊 FBSI Key Takeaways
Is First Bancshares Inc. /Mo/ (FBSI) a Good Investment?
First Bancshares is in severe financial distress with negative profitability (net margin of -38.5%, ROE of -9.3%), indicating fundamental operational problems beyond temporary headwinds. The company is burning cash operationally despite minimal positive free cash flow, and with only 2.5 months of liquid assets relative to total liabilities, faces imminent solvency risks. The stale data (March 2012) and zero insider activity suggest potential regulatory issues or abandonment of the company.
Fundamentals appear weak: the company is unprofitable, with negative net margin, ROE, and ROA, which points to poor earnings power relative to its asset base and equity. While operating cash flow and free cash flow are positive and liquidity appears acceptable from the cash balance, the very stale and incomplete financial data materially reduces confidence in any constructive view on growth quality or turnaround potential.
Why Buy First Bancshares Inc. /Mo/ Stock? FBSI Key Strengths
- Positive operating cash flow of $551.1K provides temporary liquidity relief
- Positive free cash flow of $379.2K and 9.5% FCF margin indicates some operational cash generation
- Zero long-term debt reduces leverage pressure relative to peers
- Positive operating cash flow and free cash flow despite reported net loss
- Cash balance of $12.82M provides some balance sheet flexibility
- Positive stockholders' equity indicates the institution is not balance-sheet insolvent
FBSI Stock Risks: First Bancshares Inc. /Mo/ Investment Risks
- Critical: Negative net income of -$1.5M on revenue of only $4.0M (net margin of -38.5%) indicates fundamental business failure
- Severe liquidity crisis: Cash of $12.8M covers only 7% of total liabilities of $180.5M; extremely vulnerable to any disruption
- Critically low equity cushion of $16.6M (8.4% of assets) leaves minimal buffer; any further losses eliminate shareholder value and threaten depositor safety
- Data is 14+ years stale as of 2026, suggesting the company may be in wind-down, regulatory control, or defunct status
- Zero Form 4 insider filings signal no management confidence or engagement
- Negative net income and -38.5% net margin indicate weak core profitability
- Negative ROE (-9.3%) and ROA (-0.8%) suggest inefficient use of capital and assets
- Financial data is stale (2012-03-31) and incomplete, making trend and growth-quality assessment highly uncertain
Key Metrics to Watch
- Current deposit levels and withdrawal trends (regulatory filings)
- Capital adequacy ratios and regulatory enforcement actions
- Path to profitability or official status change (acquisition, closure, receivership)
- Net interest margin and sustained net income improvement
- Asset quality trends, including nonperforming loans and capital ratios
First Bancshares Inc. /Mo/ (FBSI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FBSI Profit Margin, ROE & Profitability Analysis
FBSI vs Finance Sector: How First Bancshares Inc. /Mo/ Compares
How First Bancshares Inc. /Mo/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is First Bancshares Inc. /Mo/ Stock Overvalued? FBSI Valuation Analysis 2026
Based on fundamental analysis, First Bancshares Inc. /Mo/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
First Bancshares Inc. /Mo/ Balance Sheet: FBSI Debt, Cash & Liquidity
FBSI Revenue Growth, EPS Growth & YoY Performance
First Bancshares Inc. /Mo/ Dividends, Buybacks & Capital Allocation
FBSI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for First Bancshares Inc. /Mo/ (CIK: 0000912967)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FBSI
What is the AI rating for FBSI?
First Bancshares Inc. /Mo/ (FBSI) has a Combined AI Rating of SELL from Claude (STRONG SELL) and ChatGPT (SELL) with 82% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FBSI's key strengths?
Claude: Positive operating cash flow of $551.1K provides temporary liquidity relief. Positive free cash flow of $379.2K and 9.5% FCF margin indicates some operational cash generation. ChatGPT: Positive operating cash flow and free cash flow despite reported net loss. Cash balance of $12.82M provides some balance sheet flexibility.
What are the risks of investing in FBSI?
Claude: Critical: Negative net income of -$1.5M on revenue of only $4.0M (net margin of -38.5%) indicates fundamental business failure. Severe liquidity crisis: Cash of $12.8M covers only 7% of total liabilities of $180.5M; extremely vulnerable to any disruption. ChatGPT: Negative net income and -38.5% net margin indicate weak core profitability. Negative ROE (-9.3%) and ROA (-0.8%) suggest inefficient use of capital and assets.
What is FBSI's revenue and growth?
First Bancshares Inc. /Mo/ reported revenue of $4.0M.
Does FBSI pay dividends?
First Bancshares Inc. /Mo/ does not currently pay dividends.
Where can I find FBSI SEC filings?
Official SEC filings for First Bancshares Inc. /Mo/ (CIK: 0000912967) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FBSI's EPS?
First Bancshares Inc. /Mo/ has a diluted EPS of $-0.99.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FBSI a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, First Bancshares Inc. /Mo/ has a SELL rating with 82% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FBSI stock overvalued or undervalued?
Valuation metrics for FBSI: ROE of -9.3% (sector avg: 12%), net margin of -38.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FBSI stock in 2026?
Our dual AI analysis gives First Bancshares Inc. /Mo/ a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FBSI's free cash flow?
First Bancshares Inc. /Mo/'s operating cash flow is $551.1K, with capital expenditures of $172.0K. FCF margin is 9.5%.
How does FBSI compare to other Finance stocks?
Vs Finance sector averages: Net margin -38.5% (avg: 25%), ROE -9.3% (avg: 12%), current ratio N/A (avg: 1.2).