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First Bancshares, Inc.
FBSIFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $35.72M | 21.3% | $7.61M | $8.75M | N/A |
| 2027 | $39.30M | 21.3% | $8.37M | $9.63M | $8.75M |
| 2028 | $43.22M | 21.3% | $9.21M | $10.59M | $8.75M |
| 2029 | $47.55M | 21.3% | $10.13M | $11.65M | $8.75M |
| 2030 | $52.30M | 21.3% | $11.14M | $12.81M | $8.75M |
| 2031 | $57.53M | 21.3% | $12.25M | $14.10M | $8.75M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.15 | 2025-12-31 |
| EPS growth | +16.2% | Forecast years: 5 |
| Future EPS | $6.673 | EPS × (1 + G)^5 |
| Base P/E | 10.7 | P/E |
| Future price | $71.404 | Future EPS × P/E |
| Fair value today | $44.337 | PV @ 10.0% |
| 30% safety price | $31.036 | Margin of safety |
| 50% safety price | $22.168 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $72.888 | $81.185 | $92.50 |
| 10.0% | $64.507 | $70.625 | $78.625 |
| 11.0% | $57.901 | $62.559 | $68.46 |