First Bancshares, Inc. Announces Operating Results for Quarter Ended June 30, 2025
First Bancshares (OTCQX:FBSI) reported strong Q2 2025 financial results with net income of $1.824 million ($0.75 per diluted share), up from $1.63 million ($0.67 per share) in Q2 2024. The company achieved an impressive 1.36% return on assets and 11.82% return on equity.
The bank demonstrated solid growth across key metrics, with total assets increasing by $27.3 million to $544.1 million. Notable improvements include a $13 million increase in cash equivalents to $55.8 million, $15.9 million growth in net loans to $445.3 million, and a $13.4 million rise in deposits to $468.3 million. Stockholders' equity grew by $6.3 million to $62.3 million.
First Bancshares (OTCQX:FBSI) ha riportato solidi risultati finanziari per il secondo trimestre del 2025, con un utile netto di 1,824 milioni di dollari (0,75 dollari per azione diluita), in aumento rispetto a 1,63 milioni di dollari (0,67 dollari per azione) nel secondo trimestre 2024. L'azienda ha raggiunto un notevole rendimento degli attivi dell'1,36% e un rendimento del patrimonio netto dell'11,82%.
La banca ha mostrato una crescita solida nei principali indicatori, con un aumento totale degli attivi di 27,3 milioni di dollari che ha portato il totale a 544,1 milioni di dollari. Tra i miglioramenti più significativi si evidenziano un incremento di 13 milioni di dollari nelle disponibilità liquide, che hanno raggiunto 55,8 milioni, una crescita di 15,9 milioni di dollari nei prestiti netti, arrivati a 445,3 milioni, e un aumento di 13,4 milioni nei depositi, saliti a 468,3 milioni. Il patrimonio netto degli azionisti è cresciuto di 6,3 milioni, raggiungendo 62,3 milioni di dollari.
First Bancshares (OTCQX:FBSI) reportó sólidos resultados financieros en el segundo trimestre de 2025, con un ingreso neto de 1.824 millones de dólares (0,75 dólares por acción diluida), frente a 1,63 millones de dólares (0,67 dólares por acción) en el segundo trimestre de 2024. La compañía logró un impresionante rendimiento sobre activos del 1,36% y un rendimiento sobre el patrimonio del 11,82%.
El banco mostró un crecimiento sólido en métricas clave, con un aumento total de activos de 27,3 millones de dólares hasta alcanzar 544,1 millones. Destacan mejoras como un incremento de 13 millones en equivalentes de efectivo hasta 55,8 millones, un crecimiento de 15,9 millones en préstamos netos hasta 445,3 millones, y un aumento de 13,4 millones en depósitos hasta 468,3 millones. El patrimonio de los accionistas creció 6,3 millones hasta 62,3 millones.
First Bancshares (OTCQX:FBSI)는 2025년 2분기 강력한 재무 실적을 보고했으며, 순이익 182만 4천 달러 (희석 주당 0.75달러)를 기록하여 2024년 2분기 163만 달러(주당 0.67달러)에서 증가했습니다. 회사는 총자산수익률 1.36%와 자기자본수익률 11.82%를 달성했습니다.
은행은 주요 지표 전반에서 견고한 성장을 보였으며, 총자산이 2,730만 달러 증가하여 5억 4,410만 달러에 도달했습니다. 현금성 자산은 1,300만 달러 증가해 5,580만 달러가 되었고, 순대출금은 1,590만 달러 증가해 4억 4,530만 달러, 예금은 1,340만 달러 증가해 4억 6,830만 달러에 이르렀습니다. 주주 지분은 630만 달러 증가하여 6,230만 달러가 되었습니다.
First Bancshares (OTCQX:FBSI) a publié de solides résultats financiers pour le deuxième trimestre 2025, avec un bénéfice net de 1,824 million de dollars (0,75 dollar par action diluée), en hausse par rapport à 1,63 million de dollars (0,67 dollar par action) au deuxième trimestre 2024. La société a réalisé un impressionnant rendement des actifs de 1,36% et un rendement des capitaux propres de 11,82%.
La banque a montré une croissance solide sur les principaux indicateurs, avec une augmentation des actifs totaux de 27,3 millions de dollars pour atteindre 544,1 millions de dollars. Parmi les améliorations notables figurent une hausse de 13 millions des équivalents de trésorerie à 55,8 millions, une croissance de 15,9 millions des prêts nets à 445,3 millions, et une augmentation de 13,4 millions des dépôts à 468,3 millions. Les capitaux propres des actionnaires ont augmenté de 6,3 millions pour atteindre 62,3 millions de dollars.
First Bancshares (OTCQX:FBSI) meldete starke Finanzergebnisse für das zweite Quartal 2025 mit einem Nettoeinkommen von 1,824 Millionen US-Dollar (0,75 US-Dollar je verwässerter Aktie), gegenüber 1,63 Millionen US-Dollar (0,67 US-Dollar je Aktie) im zweiten Quartal 2024. Das Unternehmen erzielte eine beeindruckende Rendite auf das Vermögen von 1,36% und eine Eigenkapitalrendite von 11,82%.
Die Bank verzeichnete solides Wachstum bei wichtigen Kennzahlen, mit einem Gesamtvermögensanstieg von 27,3 Millionen US-Dollar auf 544,1 Millionen US-Dollar. Hervorzuheben sind Verbesserungen wie ein Anstieg der Zahlungsmitteläquivalente um 13 Millionen auf 55,8 Millionen, ein Wachstum der Nettokredite um 15,9 Millionen auf 445,3 Millionen und ein Anstieg der Einlagen um 13,4 Millionen auf 468,3 Millionen. Das Eigenkapital der Aktionäre wuchs um 6,3 Millionen auf 62,3 Millionen US-Dollar.
- None.
- $7.5M increase in assets due to arbitrage play rather than core business growth
MOUNTAIN GROVE, Mo., July 11, 2025 (GLOBE NEWSWIRE) -- First Bancshares, Inc. (OTCQX: FBSI) (“Company”), the holding company for Stockmens Bank (“Bank”), today announced its unaudited financial results for the quarter ended June 30, 2025.
For the second quarter of 2025, the Company reported after-tax net income of
Since June 30, 2024, the Company experienced growth in all major balance sheet categories aside from investment securities with consolidated total assets increasing
Through the second quarter of 2025, the Company has made significant efforts to fortify its balance sheet. Liquidity remains robust with excess cash being deployed into high-quality loan assets, earning asset yields rose, costs of funds has been kept in check, asset quality improved from already impressive levels, and capital ratios developed to a level that affords the Company the flexibility to pursue growth opportunities as they arise.
The Bank meets all regulatory requirements for “well-capitalized” status.
About the Company
First Bancshares, Inc. is the holding company for Stockmens Bank, a FDIC-insured commercial bank chartered by the State of Colorado that conducts business from its home office in Colorado Springs, Colorado, and eight full-service Missouri offices in Mountain Grove, Marshfield, Ava, Kissee Mills, Gainesville, Crane, Hartville and Springfield, and full-service offices in Bartley, Nebraska and Akron, Colorado.
Cautionary Note Regarding Forward-Looking Statements
The Company and its wholly owned subsidiary, Stockmens Bank, may from time to time make written or oral “forward-looking statements” in its reports to shareholders, and in other communications by the Company, which are made in good faith by the Company pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995.
These forward-looking statements include statements with respect to the Company’s beliefs, expectations, estimates and intentions that are subject to significant risks and uncertainties, and are subject to change based on various factors, some of which are beyond the Company’s control. Such statements address the following subjects: future operating results; customer growth and retention; loan and other product demand; earnings growth and expectations; new products and services; credit quality and adequacy of reserves; results of examinations by our bank regulators, technology, and our employees. The following factors, among others, could cause the Company’s financial performance to differ materially from the expectations, estimates and intentions expressed in such forward-looking statements: the strength of the United States economy in general and the strength of the local economies in which the Company conducts operations; the effects of, and changes in, trade, monetary, and fiscal policies and laws, including interest rate policies of the Federal Reserve Board; inflation, interest rate, market, and monetary fluctuations; the timely development and acceptance of new products and services of the Company and the perceived overall value of these products and services by users; the impact of changes in financial services’ laws and regulations; technological changes; acquisitions; changes in consumer spending and savings habits; and the success of the Company at managing and collecting assets of borrowers in default and managing the risks of the foregoing.
The foregoing list of factors is not exclusive. The Company does not undertake, and expressly disclaims any intent or obligation, to update any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the Company.
Contact: Robert M. Alexander, Chairman and CEO - (719) 955-2800
| First Bancshares, Inc. and Subsidiaries | |||||||||||||||||
| Financial Highlights | |||||||||||||||||
| (unaudited) | |||||||||||||||||
| (In thousands, except per share amounts) | |||||||||||||||||
| Quarter Ended | Six Months Ended | ||||||||||||||||
| June 30, | June 30, | ||||||||||||||||
| 2025 | 2024 | 2025 | 2024 | ||||||||||||||
| Operating Data: | |||||||||||||||||
| Total interest income | $ | 8,407 | $ | 8,013 | $ | 16,371 | $ | 16,154 | |||||||||
| Total interest expense | 2,411 | 2,689 | 4,721 | 5,486 | |||||||||||||
| Net interest income | 5,996 | 5,324 | 11,650 | 10,668 | |||||||||||||
| Provision for credit losses | 61 | 141 | 239 | 343 | |||||||||||||
| Net interest income after provision for credit losses | 5,935 | 5,183 | 11,411 | 10,325 | |||||||||||||
| Gain (loss) on sale of investments | - | - | - | - | |||||||||||||
| Non-interest income | 474 | 410 | 835 | 786 | |||||||||||||
| Non-interest expense | 4,014 | 3,434 | 7,597 | 6,757 | |||||||||||||
| Income before taxes | 2,395 | 2,159 | 4,649 | 4,354 | |||||||||||||
| Income tax expense | 571 | 529 | 1,133 | 1,071 | |||||||||||||
| Net income | $ | 1,824 | $ | 1,630 | $ | 3,516 | $ | 3,283 | |||||||||
| Earnings per share | $ | 0.75 | $ | 0.67 | $ | 1.46 | $ | 1.35 | |||||||||
| At | At | At | |||||||||||||||
| June 30, | December 31, | June 30, | |||||||||||||||
| Financial Condition Data: | 2025 | 2024 | 2024 | ||||||||||||||
| Cash and cash equivalents | $ | 55,758 | $ | 68,570 | $ | 42,769 | |||||||||||
| (excludes CDs) | |||||||||||||||||
| Investment securities | 13,421 | 13,066 | 12,966 | ||||||||||||||
| (includes CDs) | |||||||||||||||||
| Loans receivable, net | 445,372 | 423,657 | 429,444 | ||||||||||||||
| Goodwill and intangibles | 1,443 | 1,515 | 1,586 | ||||||||||||||
| Total assets | 544,072 | 537,885 | 516,784 | ||||||||||||||
| Deposits | 468,345 | 472,596 | 454,992 | ||||||||||||||
| Repurchase agreements | 1,102 | 1,084 | 1,601 | ||||||||||||||
| Borrowings | 7,500 | - | - | ||||||||||||||
| Stockholders' equity | 62,336 | 59,562 | 56,037 | ||||||||||||||
| Book value per share | $ | 25.68 | $ | 24.53 | $ | 23.08 | |||||||||||
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