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First Bancshares, Inc (FBSI) Fair Value & Analysis

Financial Services · US · Market cap $79.4M

Price$31.00
Fair Value$41.06
Upside+32.5%
Quality95/100
Evidence: High Range $30.80 – $51.33

Fair value as of: Jun 26, 2026

Analysis

First Bancshares, Inc (FBSI) currently trades at $31.00, while our model-based Fair Value estimate is $41.06 — implying the stock looks roughly 32.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

First Bancshares, Inc. operates as the bank holding company for Stockmens Bank that provides banking and mortgage services to individual and corporate customers in southern Missouri, eastern Colorado, and southwestern Nebraska. It accepts various deposit products. The company also offers real estate loans, including one-to-four family residential mortgage loans, multi-family residential loans, commercial real estate loans, agricultural real estate loans, and home equity loans; and non-real estate loans, such as commercial business, agricultural business, and consumer loans. In addition, it invests in mortgage-back securities, the United States Government and agency securities, and other assets. The company was founded in 1897 and is headquartered in Mountain Grove, Missouri.

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Frequently asked questions

Is First Bancshares, Inc (FBSI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $41.06 versus a price of $31.00 — about +32% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FBSI?
Our 21-model fair value for First Bancshares, Inc is $41.06 (as of Jun 26, 2026), built from audited fundamentals. The current price is $31.00.
What is the quality score of FBSI?
First Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.