| Company Name: | First Bancshares, Incorporated Mississippi | | Ticker Symbol: | FBMS | | | WWW Address: | | | CEO: | M. Ray (Hoppy) Cole, Jr. | | No. of Employees: | 148 | | Common Issue Type: | CS | | Business Description: | A holding company for The First, A National Banking Association, which provides commercial and retail banking services to small to medium-sized businesses, professional concerns and individuals in Mississippi.
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| | | Industry Information: | BANKING - Regional - Southeast Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 7.3 |  0.0 | 7.0 | 8.0 | 0 | 7.99 | 7.99 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 24.1 | 3.0 | 0.41 | 0.61 | 0.23 | 17.8 | 3.8 | 13.03 - 5.11 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 7.99 | $ | | PE Ratio - LTM | 17.8 | |
| Market Capitalisation | 24.1 | mil |
| Latest Shares Outstanding | 3.0 | mil |
| Earnings pS (EPS) | 0.61 | $ |
| Dividend pS (DPS) | 0.23 | ¢ |
| Dividend Yield | 3.8 | % |
| Dividend Payout Ratio | 37 | % |
| Revenue per Employee | 235,716 | $ |
| Effective Tax Rate | 27.1 | % |
| Float | 2.4 | mil |
| Float as % of Shares Outstanding | 81.0 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 43.5 | % |
| Pre-Tax Profit Margin | 6.8 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.3 | % |
| Return on Equity (ROE) | 4.0 | % |
| Return on Capital Invested (ROCI) | 2.9 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 12.6 | |
| Interest Cover | 1.2 | |
| Total Debt/Equity (Gearing Ratio) | 0.27 | |
| LT Debt/Total Capital | 19.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 12.72 | $ |
| Tangible Book-Value pS | 12.49 | $ |
| Cash Flow pS | 0.44 | $ |
| Free Cash Flow pS | 3.23 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.63 | |
| Price/Tangible Book Ratio | 0.64 | |
| Price/Cash Flow | 18.3 | |
| Price/Free Cash Flow | 2.5 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 07/16/2008 |
| Dividend Ex-Date | 07/29/2008 |
| Dividend Record Date | 07/31/2008 |
| Dividend Pay Date | 08/14/2008 |
| Dividend Amount | 75 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.30 |
| Current Dividend Yield | 3.8 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 37.0 |
| 5-Y Average Payout Ratio | 19.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.0 | 99 | 3 | 0 |
| 4 Weeks | 8.00 | 6.84 | 7.30 | 9.5 | 103 | 4 | 56 |
| 13 Weeks | 8.00 | 5.49 | 7.07 | 13.0 | 105 | 8 | 509 |
| 26 Weeks | 9.97 | 5.49 | 9.97 | -19.9 | 67 | 6 | 800 |
| 52 Weeks | 13.03 | 5.11 | 12.51 | -36.1 | 52 | 6 | 1,378 |
| YTD | 13.03 | 5.11 | - | -11.6 | 72 | 6 | 1,266 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 7.99 | 7.76 | 6.90 | 7.86 | 8.07 | 0.41 | 0.39 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 22.16 | 78.3 | 6.83 |
| Income | -4.13 | 2.3 | -31.35 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -6.09 | NA | -34.27 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -18.9 | -14.4 | -4.7 |
| Earnings % | -22.0 | 129.9 | -51.6 |
| EPS % | -35.4 | 109.1 | -51.2 |
| EPS $ | -0.17 | 0.12 | -0.64 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 32.66 |
| Free Cash Flow Margin 5YEAR AVG | 8.46 |
| Cash-Flow pS | 3.86 |
| Free Cash-Flow pS | 3.47 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 12.98 |
| Debt Ratio | 92.30 |
| Total Debt/Equity (Gearing Ratio) | 0.28 |
| LT Debt/Equity | 0.28 |
| LT Debt/Capital Invested | 21.99 |
| LT Debt/Total Liabilities | 2.35 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.40 |
| Tobin's Q Ratio | 0.05 |
| Current P/E Ratio - LTM | 17.80 |
| Enterprise Value (EV)/EBITDA | 0.01 |
| Enterprise Value (EV)/Free Cash Flow | -2.42 |
| Dividend Yield | 3.8 |
| Price/Tangible Book Ratio - LTM | 0.64 |
| Price/Book Ratio - LTM | 0.63 |
| Price/Cash Flow Ratio | 18.3 |
| Price/Free Cash Flow Ratio - LTM | 2.5 |
| P/E Ratio (1 month ago) - LTM | 15.0 |
| P/E Ratio (26 weeks ago) - LTM | 24.3 |
| P/E Ratio (52 weeks ago) - LTM | 17.6 |
| 5-Y High P/E Ratio | 38.5 |
| 5-Y Low P/E Ratio | 5.8 |
| 5-Y Average P/E Ratio | 16.7 |
| Current P/E Ratio as % of 5-Y Average P/E | 107 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 19.8 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 12.49 |
| Book Value pS - LTM | 12.72 |
| Capital Invested pS | 15.52 |
| Cash Flow pS - LTM | 0.44 |
| Free Cash Flow pS - LTM | 3.23 |
| Earnings pS (EPS) | 0.61 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 5.06 |
| Return on Equity (ROE) - 5YEAR AVRG. | 8.6 |
| Return on Capital Invested (ROCI) | 3.94 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 3.9 |
| Return on Assets (ROA) | 0.39 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.6 |
| EBIT Margin - LTM | 44.1 |
| EBITDA Margin - LTM | 43.5 |
| Pre-Tax Profit Margin | 14.43 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 25.48 |
| Net Profit Margin | 10.52 |
| Net Profit Margin - 5YEAR AVRG. | 17.84 |
| Effective Tax Rate | 27.13 |
| Effective Tax Rate - 5YEAR AVRG. | 29.85 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 201,176 |
| Net Income per Employee - LTM | 10,318 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,788.27 |
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