FIRST BANCSHARES INC /MS/
FBMSFinancials · National Commercial Banks · MS · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $77.2M | $75.5M | $62.9M | $64.2M | $52.5M | $43.7M |
| Total assets | $8.00B | $8.00B | $6.46B | $6.08B | $5.15B | $3.94B |
| Total liabilities | $7.00B | $7.05B | $5.82B | $5.40B | $4.51B | $3.40B |
| Equity | $1.01B | $949.0M | $646.7M | $676.2M | $644.8M | $543.7M |
| EPS (diluted) | $2.44 | $2.39 | $2.84 | $0.79 | $0.44 | $0.63 |
| Shares out. | 31.2M | 31.1M | 20.5M | 21.0M | 18.9M | 17.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- —
- Return on equity
- 7.7%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.4%
- Debt / equity
- 6.96×
- Book value / share
- $32.20
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 2.3%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- −0.1%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 11-Kmissed a reporting deadline ↗Jun 30, 2022
- NT 10-Kmissed a reporting deadline ↗Mar 1, 2022
- NT 10-Qmissed a reporting deadline ↗Aug 16, 2011
- NT 10-Qmissed a reporting deadline ↗May 14, 2009
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Dimensional Fund Advisors LpPassive (13G)Jul 15, 2025
- Blackrock, Inc.Passive (13G)Apr 28, 2025
- Fj Capital Management LlcPassive (13G)Nov 13, 2024
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Mar 31, 2025 | 397,854 | 1.0 | -7.9% |
| Mar 14, 2025 | 431,979 | 3.6 | +18.0% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsApr 7, 2025
- Other material eventMar 17, 2025
- Results of operations · Other material eventJan 29, 2025
- Regulation FD disclosureDec 3, 2024
- Results of operations · Other material eventOct 23, 2024
- Shareholder vote · Other material eventOct 22, 2024
- Entered a material agreement · Regulation FD disclosureJul 29, 2024
- Results of operations · Regulation FD disclosure · Other material eventJul 24, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.