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First Bancshares, Inc (FIBH) Fair Value & Analysis

Financial Services · US · Market cap $22.1M

Price$40.88
Fair Value$14.24
Upside-65.2%
Quality95/100
Evidence: Medium Range $12.92 – $16.27

Fair value as of: Jun 26, 2026

Analysis

First Bancshares, Inc (FIBH) currently trades at $40.88, while our model-based Fair Value estimate is $14.24 — implying the stock looks roughly 65.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

First Bancshares, Inc. operates as the bank holding company for First National Bank that provides community banking products and services in the United States. The company offers premier, independence, lifetime, and freedom checking accounts, as well as visa check cards; statement, health, and money market savings accounts, as well as Christmas club accounts; certificates of deposit; individual retirement accounts; mortgage, home equity, auto, and boat loans; and credit cards. It also provides free small and optimum business checking accounts; commercial real estate, farm line of credit, farm real estate, farm term, line of credit, term, and SBA loans, as well as loan services; business credit cards; and merchant services. In addition, the company offers online banking, mobile banking, and ATM access services. It serves individuals and corporate customers. The company was founded in 1875 and is based in Bellevue, Ohio.

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Frequently asked questions

Is First Bancshares, Inc (FIBH) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $14.24 versus a price of $40.88 — about −65% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FIBH?
Our 21-model fair value for First Bancshares, Inc is $14.24 (as of Jun 26, 2026), built from audited fundamentals. The current price is $40.88.
What is the quality score of FIBH?
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.