First Bancshares (FBMS) Peer Comparison

$33.81

$-- (--%)

As on 31-Mar-2025 16:15EDT

Market cap

$1,056 Mln

Revenue (TTM)

$277 Mln

P/E Ratio

13.9

P/B Ratio

1.1

Div. Yield

3 %

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	First Bancshares (FBMS)	Sandy Spring Bancorp (SASR)	Village Bank and Trust Financial (VBFC)
Market cap ($ Mln)	1,056	1,262	120
Revenue ($ Mln)	46	672	33
Net Profit ($ Mln)	77.19	19.94	7.02
Net Margin (%)	27.87	2.97	17.77
RoE (%)	7.90	1.27	9.93
Price to Earnings	13.86	63.52	17.10
Price-To-Book	1.05	0.81	1.63

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement ($ Mln)

	First Bancshares (FBMS)	Sandy Spring Bancorp (SASR)	Village Bank and Trust Financial (VBFC)
Operating Revenue	46.39	672.27	33.29
Cost of Revenue	--	--	0.15
Gross Profit	46.39	672.27	33.13
Operating Expenses	276.99	26.57	0.36
Operating Profit (EBIT)	-243.74	645.70	33.13
Other Income	--	--	--
Profit before Tax	97.97	48.96	8.66
Provision for Tax	20.77	29.03	1.65
Profit after Tax (Net Income)	77.19	19.94	7.02
Minority Interest	--	--	--
Consolidated Profit	--	--	--

Liabilities ($ Mln)

	First Bancshares (FBMS)	Sandy Spring Bancorp (SASR)	Village Bank and Trust Financial (VBFC)
Shareholder's Funds	1,005.43	1,558.01	73.74
Minority Interest	--	--	--
Non-Current Liabilities	341.56	621.40	682.43
Current Liabilities	13.86	--	--
Total Liabilities	8,004.78	14,127.48	756.17

Assets ($ Mln)

	First Bancshares (FBMS)	Sandy Spring Bancorp (SASR)	Village Bank and Trust Financial (VBFC)
Non-Current Assets	1,977.89	395.79	756.17
Current Assets	116.46	126.33	78.89
Total Assets	8,004.78	14,127.48	756.17
Total Debt*	341.56	621.40	50.70
Net Current Assets	--	--	--

Cashflow ($ Mln)

	First Bancshares (FBMS)	Sandy Spring Bancorp (SASR)	Village Bank and Trust Financial (VBFC)
Cash From Operating Activities	85.51	38.29	4.64
Cash Flow from Investing Activities	--	--	--
Cash from Financing Activities	-71.95	79.67	13.00
Net Cash Inflow / Outflow	--	--	--

Ratios

Profitability Ratios

	First Bancshares (FBMS)	Sandy Spring Bancorp (SASR)	Village Bank and Trust Financial (VBFC)
ROCE (%)	6.34	0.85	5.58
ROE (%)	7.90	1.27	9.93
ROA (%)	0.96	0.14	0.94
EBIT Margin (%)	--	--	--
Net Margin (%)	166.40	2.97	21.08
Cash Profit Margin (%)	--	--	--

Growth Ratios

	First Bancshares (FBMS)	Sandy Spring Bancorp (SASR)	Village Bank and Trust Financial (VBFC)
Revenue Growth (%)	-0.84	0.60	0.00
EBIT Growth (%)	--	--	--
Net Profit Growth (%)	2.30	-83.77	265.85
EPS Growth (%)	0.02	-0.84	2.64
Book Value Growth (%)	--	--	--

Valuation Ratios

	First Bancshares (FBMS)	Sandy Spring Bancorp (SASR)	Village Bank and Trust Financial (VBFC)
Price / Earnings	14.38	76.51	16.65
Price / Book Value	1.10	0.98	1.58
Dividend Yield (%)	--	--	--
EV/EBITDA	--	--	--
Market Cap ($ Cr)	--	--	--

Solvency Ratios

	First Bancshares (FBMS)	Sandy Spring Bancorp (SASR)	Village Bank and Trust Financial (VBFC)
Debt to Equity	0.34	0.40	0.69
Short term debt to equity ratio	--	--	--
Current Ratio	8.40	--	--
Quick Ratio	--	--	--
Interest Coverage	--	--	--

Operating Efficiency Ratios

	First Bancshares (FBMS)	Sandy Spring Bancorp (SASR)	Village Bank and Trust Financial (VBFC)
Debtors to sales (%)	73.29	6.79	10.54
Asset Turnover	0.01	0.05	0.04
Receivable days	264.94	25.05	40.24
Inventory Days	--	--	135,475.19
Payable days	--	--	807.20
Cash Conversion Cycle	--	--	134,708.23

Annual
Quarterly