First Bancshares, Inc. Announces Operating Results for Quarter Ended September 30, 2025
First Bancshares (OTCQX: FBSI) reported unaudited results for the quarter ended September 30, 2025. Net income was $2.008M or $0.83 diluted EPS, up from $1.576M or $0.65 diluted EPS a year earlier. Annualized after-tax ROA was 1.43% and ROE was 12.57%. Since September 30, 2024, consolidated total assets rose 10.6% to $572.3M, cash & cash equivalents increased 27.5% to $62.9M, net loans receivable grew 10.2% to $465.8M, and stockholders' equity increased 11.3% to $64.4M.
The company reported record earnings ratios, core deposit growth without brokered deposits, deployment of excess liquidity into high-quality loans, improved asset quality near zero, and maintained well-capitalized regulatory status.
First Bancshares (OTCQX: FBSI) ha riportato risultati non auditati per il trimestre chiuso al 30 settembre 2025. L'utile netto è stato di 2,008 milioni di dollari o 0,83 dollari di utile per azione diluito, rispetto a 1,576 milioni di dollari o 0,65 dollari di utile diluito per azione un anno prima. Il ROA annualizzato dopo le tasse è stato 1,43% e il ROE è stato 12,57%. Dal 30 settembre 2024, gli attivi totali consolidati sono aumentati del 10,6% a $572,3M, le disponibilità liquide e equivalenti sono aumentate del 27,5% a $62,9M, i crediti netti in essere sono cresciuti del 10,2% a $465,8M, e l'equity degli azionisti è aumentato dell'11,3% a $64,4M.
L'azienda ha riportato rapporti di guadagno record, crescita dei depositi core senza depositi broker, impiego della liquidità in eccesso in prestiti di alta qualità, qualità degli asset migliorata vicino allo zero, e ha mantenuto lo status regolamentare ben capitalizzato.
First Bancshares (OTCQX: FBSI) informó resultados no auditados para el trimestre terminado al 30 de septiembre de 2025. El ingreso neto fue de $2.008 millones o $0.83 por acción diluida, frente a $1.576 millones o $0.65 por acción diluida un año antes. El ROA anualizado después de impuestos fue del 1.43% y el ROE fue del 12.57%. Desde el 30 de septiembre de 2024, los activos totales consolidados aumentaron un 10.6% a $572.3 millones, el efectivo y equivalentes aumentó un 27.5% a $62.9 millones, las cuentas por cobrar netas crecieron un 10.2% a $465.8 millones, y el patrimonio de los accionistas aumentó un 11.3% a $64.4 millones.
La compañía informó ratios de ganancias récord, crecimiento de depósitos centrales sin depósitos de corredores, despliegue de la liquidez excedente en préstamos de alta calidad, mejora de la calidad de activos cercana a cero, y mantuvo un estatus regulatorio bien capitalizado.
First Bancshares (OTCQX: FBSI)는 2025년 9월 30일 종료 분기에 대한 미감사를 발표했습니다. 순이익은 200.8만 달러 또는 희석 주당 0.83달러였으며, 작년 동기 157.6만 달러 또는 0.65달러의 희석 주당 순이익에서 증가했습니다. 세후 연환산 ROA는 1.43%, ROE는 12.57%였습니다. 2024년 9월 30일 이후 연결 총자산은 10.6% 증가한 5억 7230만 달러, 현금 및 현금성자산은 27.5% 증가한 6290만 달러, 대여금 순액은 10.2% 증가한 4억 6580만 달러, 주주자본은 11.3% 증가한 6440만 달러로 증가했습니다.
회사는 사상 최대의 수익 비율, 중개 예치금을 제외한 핵심 예치금의 성장, 초과 유동성을 고품질 대출에 배치, 자산 건전성의 질이 거의 0에 가까워진 개선, 그리고 규제상 잘 자본화된 상태를 유지했다고 보고했습니다.
First Bancshares (OTCQX: FBSI) a publié des résultats non audités pour le trimestre clos le 30 septembre 2025. Le bénéfice net s’est élevé à 2,008 M$ ou 0,83$ par action diluée, contre 1,576 M$ ou 0,65$ par action diluée il y a un an. Le ROA après impôt annualisé était de 1,43% et le ROE de 12,57%. Depuis le 30 septembre 2024, les actifs totaux consolidés ont augmenté de 10,6% pour atteindre 572,3 M$, la trésorerie et équivalents ont augmenté de 27,5% à 62,9 M$, les prêts nets ont progressé de 10,2% à 465,8 M$, et les fonds propres des actionnaires ont augmenté de 11,3% à 64,4 M$.
L’entreprise a enregistré des ratios de rentabilité records, une croissance des dépôts de base sans dépôts de courtiers, l’allocation de liquidités excédentaires à des prêts de haute qualité, une amélioration de la qualité des actifs proche de zéro, et a maintenu un statut réglementaire bien capitalisé.
First Bancshares (OTCQX: FBSI) hat unauditiert Ergebnisse für das Quartal zum 30. September 2025 gemeldet. Der Nettogewinn betrug 2,008 Mio. USD oder 0,83 USD verwässertes EPS, gegenüber 1,576 Mio. USD bzw. 0,65 USD verwässertes EPS im Vorjahr. Die annualisierte After-Tax ROA betrug 1,43% und der ROE 12,57%. Seit dem 30. September 2024 stiegen die konsolidierten Gesamtaktiva um 10,6% auf 572,3 Mio. USD, Barmittel und Barmitteläquivalente um 27,5% auf 62,9 Mio. USD, die Nettodarlehen wuchsen um 10,2% auf 465,8 Mio. USD, und das Eigenkapital der Aktionäre stieg um 11,3% auf 64,4 Mio. USD. Das Unternehmen meldete Rekord-Ertragskennzahlen, Kerndepositen-Wachstum ohne Brokered Deposits, die Verwendung von überschüssiger Liquidität in hochwertige Kredite, eine nahezu null liegende Asset-Qualität und behielt eine gut kapitalisierte regulatorische Stellung bei.
First Bancshares (OTCQX: FBSI) أبلغت عن نتائج غير مدققة للربع المنتهي في 30 سبتمبر 2025. بلغ صافي الدخل 2.008 مليون دولار أو 0.83 دولار للسهم المخفف، مقارنة بـ 1.576 مليون دولار أو 0.65 دولار للسهم المخفف قبل عام. كان العائد على الأصول المعدل سنوياً بعد الخصم الضريبي 1.43% والعائد على حقوق المساهمين 12.57%. منذ 30 سبتمبر 2024، ارتفعت الأصول الإجمالية المجمعة بنسبة 10.6% لتصل إلى 572.3 مليون دولار، وارتفع النقد وما يعادله إلى 62.9 مليون دولار بزيادة 27.5%، ونمت القروض الصافية المستحقة 10.2% لتصل إلى 465.8 مليون دولار، وارتفع حقوق المساهمين 11.3% لتصل إلى 64.4 مليون دولار. أعلنت الشركة عن نسب ربح قياسية، ونمو الودائع الأساسية بدون ودائع الوسطاء، وتوظيف السيولة الفائضة في قروض عالية الجودة، وتحسن جودة الأصول قرب الصفر، وحافظت على وضعية تنظيمية ذات رأسمالية جيدة.
First Bancshares (OTCQX: FBSI) 报告了截至 2025年9月30日季度的未经审计业绩。净利润为 200.8万美元，摊薄每股收益为 0.83美元，较一年前的 157.6万美元 或 0.65美元 的摊薄每股收益有所增加。税后经年化 ROA 为 1.43%，ROE 为 12.57%。自 2024年9月30日以来，合并总资产增长了 10.6%，达到 5.723亿美元，现金及现金等价物增加了 27.5%，至 6290万美元，净贷款应收增长了 10.2%，达到 4.658亿美元，股东权益增长了 11.3%，至 6440万美元。公司报告了创纪录的盈利比率、核心存款增长且不含经纪存款、将过剩流动性投入高质量贷款、资产质量接近零，以及维持监管上“资本充足”的地位。
- Net income +27.4% year-over-year to $2.008M
- Consolidated assets +10.6% to $572.3M since Sep 30, 2024
- Cash & cash equivalents +27.5% to $62.9M
- Net loans receivable +10.2% to $465.8M
- Stockholders' equity +11.3% to $64.4M
- Annualized after-tax ROE of 12.57% and ROA of 1.43%
- Maintains regulatory "well-capitalized" status
- None.
MOUNTAIN GROVE, Mo., Oct. 08, 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 September 30, 2025.
For the third quarter of 2025, the Company reported after-tax net income of
Since September 30, 2024, consolidated total assets increased
During the third quarter of 2025, the Company continued its trend of improvement in every noteworthy category. Earnings ratios hit a Company record, deposit growth was derived from core relationship-based sources, excess liquidity was successfully deployed into high quality loan assets, asset quality improved to near-zero levels, and capital balances remain robust.
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 | Nine Months Ended | ||||||||||||||
| September 30, | September 30, | ||||||||||||||
| 2025 | 2024 | 2025 | 2024 | ||||||||||||
| Operating Data: | |||||||||||||||
| Total interest income | $ | 8,753 | $ | 8,220 | $ | 25,124 | $ | 24,374 | |||||||
| Total interest expense | 2,499 | 2,748 | 7,220 | 8,234 | |||||||||||
| Net interest income | 6,254 | 5,472 | 17,904 | 16,140 | |||||||||||
| Provision for credit losses | 227 | 200 | 466 | 543 | |||||||||||
| Net interest income after provision for credit losses | 6,027 | 5,272 | 17,438 | 15,597 | |||||||||||
| Gain (loss) on sale of investments | - | - | - | - | |||||||||||
| Non-interest income | 391 | 435 | 1,226 | 1,221 | |||||||||||
| Non-interest expense | 3,748 | 3,609 | 11,345 | 10,366 | |||||||||||
| Income before taxes | 2,670 | 2,098 | 7,319 | 6,452 | |||||||||||
| Income tax expense | 662 | 522 | 1,795 | 1,593 | |||||||||||
| Net income | $ | 2,008 | $ | 1,576 | $ | 5,524 | $ | 4,859 | |||||||
| Earnings per share | $ | 0.83 | $ | 0.65 | $ | 2.29 | $ | 2.00 | |||||||
| At | At | At | |||||||||||||
| September 30, | December 31, | September 30, | |||||||||||||
| Financial Condition Data: | 2025 | 2024 | 2024 | ||||||||||||
| Cash and cash equivalents | $ | 62,891 | $ | 68,570 | $ | 49,348 | |||||||||
| (excludes CDs) | |||||||||||||||
| Investment securities | 12,149 | 13,066 | 13,137 | ||||||||||||
| (includes CDs) | |||||||||||||||
| Loans receivable, net | 465,821 | 423,657 | 422,687 | ||||||||||||
| Goodwill and intangibles | 1,431 | 1,515 | 1,550 | ||||||||||||
| Total assets | 572,251 | 537,885 | 517,648 | ||||||||||||
| Deposits | 493,195 | 472,596 | 453,002 | ||||||||||||
| Repurchase agreements | 1,100 | 1,084 | 1,952 | ||||||||||||
| Borrowings | 7,500 | - | - | ||||||||||||
| Stockholders' equity | 64,423 | 59,562 | 57,895 | ||||||||||||
| Book value per share | $ | 26.55 | $ | 24.53 | $ | 23.85 | |||||||||
FAQ
What were First Bancshares (FBSI) third quarter 2025 earnings per share?
How did First Bancshares' net income change in Q3 2025 versus Q3 2024?
What asset and equity growth did First Bancshares report for the year ended September 30, 2025?
Did First Bancshares increase loans and liquidity in Q3 2025?
Are First Bancshares and Stockmens Bank well capitalized after Q3 2025 results?
