📊 FBSI Key Takeaways
Is FBSI a Good Investment? Thesis Analysis
First Bancshares is in severe financial distress with negative profitability (net margin of -38.5%, ROE of -9.3%), indicating fundamental operational problems beyond temporary headwinds. The company is burning cash operationally despite minimal positive free cash flow, and with only 2.5 months of liquid assets relative to total liabilities, faces imminent solvency risks. The stale data (March 2012) and zero insider activity suggest potential regulatory issues or abandonment of the company.
Why Buy FBSI? Key Strengths
- Positive operating cash flow of $551.1K provides temporary liquidity relief
- Positive free cash flow of $379.2K and 9.5% FCF margin indicates some operational cash generation
- Zero long-term debt reduces leverage pressure relative to peers
FBSI Investment Risks to Consider
- Critical: Negative net income of -$1.5M on revenue of only $4.0M (net margin of -38.5%) indicates fundamental business failure
- Severe liquidity crisis: Cash of $12.8M covers only 7% of total liabilities of $180.5M; extremely vulnerable to any disruption
- Critically low equity cushion of $16.6M (8.4% of assets) leaves minimal buffer; any further losses eliminate shareholder value and threaten depositor safety
- Data is 14+ years stale as of 2026, suggesting the company may be in wind-down, regulatory control, or defunct status
- Zero Form 4 insider filings signal no management confidence or engagement
Key Metrics to Watch
- Current deposit levels and withdrawal trends (regulatory filings)
- Capital adequacy ratios and regulatory enforcement actions
- Path to profitability or official status change (acquisition, closure, receivership)
FBSI Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FBSI Profitability Ratios
FBSI vs Default Sector
How FIRST BANCSHARES INC /MO/ compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FBSI Overvalued or Undervalued?
Based on fundamental analysis, FIRST BANCSHARES INC /MO/ has mixed fundamental signals relative to the Default sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
FBSI Balance Sheet & Liquidity
FBSI Growth Metrics (YoY)
FBSI Capital Allocation
FBSI SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for FIRST BANCSHARES INC /MO/ (CIK: 0000912967)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FBSI
What is the AI rating for FBSI?
FIRST BANCSHARES INC /MO/ (FBSI) has an AI rating of STRONG SELL with 92% confidence, based on fundamental analysis of SEC EDGAR filings.
What are FBSI's key strengths?
Claude: Positive operating cash flow of $551.1K provides temporary liquidity relief. Positive free cash flow of $379.2K and 9.5% FCF margin indicates some operational cash generation.
What are the risks of investing in FBSI?
Claude: Critical: Negative net income of -$1.5M on revenue of only $4.0M (net margin of -38.5%) indicates fundamental business failure. Severe liquidity crisis: Cash of $12.8M covers only 7% of total liabilities of $180.5M; extremely vulnerable to any disruption.
What is FBSI's revenue and growth?
FIRST BANCSHARES INC /MO/ reported revenue of $4.0M.
Does FBSI pay dividends?
FIRST BANCSHARES INC /MO/ does not currently pay dividends.
Where can I find FBSI SEC filings?
Official SEC filings for FIRST BANCSHARES INC /MO/ (CIK: 0000912967) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FBSI's EPS?
FIRST BANCSHARES INC /MO/ has a diluted EPS of $-0.99.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FBSI a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, FIRST BANCSHARES INC /MO/ has a STRONG SELL rating with 92% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FBSI stock overvalued or undervalued?
Valuation metrics for FBSI: ROE of -9.3% (sector avg: 15%), net margin of -38.5% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy FBSI stock in 2026?
Our dual AI analysis gives FIRST BANCSHARES INC /MO/ a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FBSI's free cash flow?
FIRST BANCSHARES INC /MO/'s operating cash flow is $551.1K, with capital expenditures of $172.0K. FCF margin is 9.5%.
How does FBSI compare to other Default stocks?
Vs Default sector averages: Net margin -38.5% (avg: 12%), ROE -9.3% (avg: 15%), current ratio N/A (avg: 1.8).