Sep 30, 2020

First Bancshares Q3 2020 Earnings Report

Reported results for the third quarter, with net income decreasing slightly year-over-year but pre-tax, pre-provision income increasing.

Key Takeaways

First Bancshares reported a slight decrease in net income available to common shareholders compared to the same quarter last year, but pre-tax, pre-provision operating earnings increased. The company also increased its quarterly dividend by 20%.

Average loans increased $9.1 million, or 0.3% for the sequential quarter comparison.

Average deposits increased $143.2 million, or 3.5% for the sequential quarter comparison.

Pre-tax, pre-provision operating earnings increased 26.5% year-over-year.

The company issued $65 million in aggregate principal amount of subordinated debt.

Total Revenue
$40M
Previous year: $30.5M
+31.2%
EPS
$0.56
Previous year: $0.74
-24.3%
Nonperforming Assets to Total Assets
0.87%
Cash and Equivalents
$132M
Previous year: $91.8M
+43.7%
Free Cash Flow
$7.04M
Previous year: $11.9M
-41.0%
Total Assets
$5.16B
Previous year: $3.48B
+48.3%

First Bancshares

First Bancshares

Forward Guidance

No specific forward guidance was provided in the report.