First Bancshares Inc. (Bellevue, OH) (FIBH)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First Bancshares Inc. (Bellevue, OH) (FIBH) trades at $40.88 with AI Score 57/100 (Grade B). First Bancshares Inc. Market cap: $22.30M, Sector: Financial services.
Price live · AI analysis from Mar 15, 2026Analyst Coverage for FIBH: FIBH does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FIBH against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FIBH: 2/6 perspectives are bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →First Bancshares Inc. (Bellevue, OH) (FIBH) Financial Services Profile
First Bancshares Inc. (Bellevue, OH), operating as First National Bank, provides a suite of financial services including deposit accounts, personal and commercial loans, and online banking. With a market capitalization of $22.30M and a dividend yield of 3.22%, the company serves individuals and businesses across several locations in Ohio.
What Is the Investment Thesis for FIBH?
First Bancshares Inc. presents a mixed investment profile. The company's established presence in Ohio and its range of financial services provide a stable foundation. However, a high P/E ratio of 31.54, compared to peers, suggests a premium valuation. The dividend yield of 3.22% offers some appeal to income-focused investors. Growth catalysts include expanding digital banking services and strategic lending initiatives. Potential risks include managing credit quality in a fluctuating economic environment and competition from larger regional banks. Investors should closely monitor the company's loan portfolio performance and its ability to maintain profitability.
Based on FMP financials and quantitative analysis
FIBH Key Highlights
- Market capitalization of $22.30M, reflecting its position as a smaller community bank.
- P/E ratio of 31.54, indicating a potentially high valuation compared to its earnings.
- Profit margin of 9.2%, showing its ability to generate profit from revenue.
- Beta of 0.37, suggesting lower volatility compared to the overall market.
- Dividend yield of 3.22%, offering a steady income stream for investors.
Who Are FIBH's Competitors?
FIBH is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CBHC CBC Holding Company | $28.40 | +0.00% | $20.79M | 45 |
| CIBN Community Investors Bancorp, Inc. | $26.50 | +0.00% | $21.04M | 53 |
| CRZY Crazy Woman Creek Bancorp Incorporated | $32.42 | -4.65% | $20.65M | 56 |
| FBPI First Bancorp of Indiana, Inc. | $14.15 | -2.41% | $24.05M | 49 |
| JTNB JTNB Bancorp, Inc. | $20.00 | +0.00% | $18.89M | 51 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FIBH's Key Strengths?
- Long-standing history and established presence in local markets.
- Diversified portfolio of banking products and services.
- Strong customer relationships and community ties.
- Experienced management team.
What Are FIBH's Weaknesses?
- Limited geographic reach compared to larger regional banks.
- High P/E ratio may indicate overvaluation.
- Dependence on local economy.
- Smaller market capitalization limits access to capital.
What Could Drive FIBH Stock Higher?
- Expansion of digital banking services to attract new customers.
- Strategic lending initiatives in niche markets such as agricultural loans.
- Geographic expansion within Ohio to underserved areas.
- Partnerships with fintech companies to enhance product offerings.
- Enhancement of treasury management services for corporate clients.
What Are the Key Risks for FIBH?
- Financial-distress signal — its Altman Z-Score of 0.11 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-27.1%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 2/9 flags soft profitability, leverage or efficiency.
- Increasing competition from larger regional and national banks.
- Fluctuations in interest rates impacting profitability.
- Economic downturn affecting loan portfolio quality.
- Regulatory changes increasing compliance costs.
- Limited liquidity due to OTC market trading.
What Are the Growth Opportunities for FIBH?
- Expansion of Digital Banking Services: Investing in and expanding digital banking platforms can attract younger, tech-savvy customers and improve operational efficiency. The market for digital banking is growing rapidly, with projections estimating a global market size of $9.5 trillion by 2027. First Bancshares can capitalize on this trend by offering user-friendly mobile apps and online services, enhancing customer experience and driving growth. Timeline: Ongoing.
- Strategic Lending Initiatives: Focusing on niche lending markets, such as agricultural loans or small business loans, can drive growth and increase market share. The market for agricultural loans in Ohio is substantial, with significant demand from local farmers. By offering specialized loan products and personalized service, First Bancshares can establish a competitive advantage. Timeline: Ongoing.
- Geographic Expansion within Ohio: Expanding its branch network or digital presence to underserved areas within Ohio can increase its customer base and market reach. Many rural communities in Ohio lack access to convenient banking services, presenting an opportunity for First Bancshares to fill this gap. Timeline: 2-3 years.
- Enhancing Treasury Management Services: Offering advanced treasury management solutions to corporate clients can generate fee income and strengthen relationships. The market for treasury management services is growing, with increasing demand for sophisticated cash management and payment solutions. First Bancshares can invest in technology and expertise to provide these services. Timeline: 1-2 years.
- Partnerships with Fintech Companies: Collaborating with fintech companies can provide access to innovative technologies and expand its product offerings. Fintech partnerships can enable First Bancshares to offer services such as online lending, robo-advisory, and blockchain-based solutions, enhancing its competitiveness. Timeline: Ongoing.
What Opportunities Does FIBH Have?
- Expansion of digital banking services to attract new customers.
- Strategic lending initiatives in niche markets.
- Geographic expansion within Ohio.
- Partnerships with fintech companies to enhance product offerings.
What Threats Does FIBH Face?
- Increasing competition from larger regional and national banks.
- Fluctuations in interest rates impacting profitability.
- Economic downturn affecting loan portfolio quality.
- Regulatory changes increasing compliance costs.
What Are FIBH's Competitive Advantages?
- Established local presence in Ohio communities.
- Long-standing customer relationships built over decades.
- Strong understanding of local market dynamics.
- Personalized service tailored to individual customer needs.
What Does FIBH Do?
Founded in 1875 and based in Bellevue, Ohio, First Bancshares Inc. operates as the bank holding company for First National Bank. The bank offers a comprehensive range of financial services tailored to individuals and corporate customers in the United States. Its core offerings include various deposit accounts such as checking, savings, and individual retirement accounts, alongside certificates of deposit. The company provides an array of personal loans, including mortgage, home equity, auto, and boat loans, designed to meet diverse customer needs. For commercial clients, First National Bank extends commercial real estate loans, farm lines of credit, farm real estate loans, farm term loans, lines of credit, and term loans, as well as credit cards. These services support local businesses and agricultural operations. In addition to traditional banking products, First Bancshares offers modern conveniences such as treasury management, online banking, mobile banking, and merchant services, enhancing customer accessibility and operational efficiency. The company's physical presence is maintained through offices in Bellevue, Catawba, Clyde, Fremont, Port Clinton, Perkins, Put-in-Bay, and Sandusky, Ohio, ensuring localized service and community engagement.
What Products and Services Does FIBH Offer?
- Accepts checking and savings accounts.
- Offers individual retirement accounts (IRAs).
- Provides certificates of deposit (CDs).
- Offers mortgage loans for home purchases and refinancing.
- Provides home equity loans for various needs.
- Offers auto and boat loans for personal transportation and recreation.
- Provides commercial real estate loans for business properties.
- Offers farm line of credit and real estate loans for agricultural operations.
How Does FIBH Make Money?
- Generates revenue through interest income from loans.
- Earns fees from treasury management services.
- Collects service charges on deposit accounts.
- Profits from merchant services provided to businesses.
What Industry Does FIBH Operate In?
First Bancshares Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with banks increasingly focusing on online and mobile banking solutions. The competitive landscape includes larger national banks and smaller community banks, each vying for market share. Regulatory compliance and interest rate fluctuations are key factors influencing the performance of regional banks. First Bancshares' ability to adapt to these trends and maintain a strong local presence will be crucial for its success.
Who Are FIBH's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and banking solutions.
- Farmers needing agricultural financing.
- Corporate clients utilizing treasury management services.
F-Score 2/9Financial Health
First Bancshares Inc. (Bellevue, OH)'s Piotroski F-Score is 2/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.11 places it in the distress zone, a signal of elevated financial risk.
FIBH Valuation & Market Position
With a $22.30M market cap, First Bancshares Inc. (Bellevue, OH) sits in the micro-cap segment of the market. Relative to its peer group, FIBH's quantitative score of 57/100 is roughly in line with the peer average of 51/100.
ROE -27%Key Financial Metrics
Return on equity for First Bancshares Inc. (Bellevue, OH) stands at -27.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -1.7%, showing how much profit it generates from its asset base. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -23.3%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
First Bancshares Inc. (Bellevue, OH) operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Bellevue, US. The company is led by CEO Jeffrey S. Bechtel. FIBH has traded publicly since 2013.
FIBH Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that executives believe the stock is undervalued.
- Community sentiment has shifted positively, with discussions highlighting strong customer service and community engagement.
- The company has been actively expanding its services, which may attract new customers and enhance revenue streams.
- Analysts are noting stable performance in loan growth, which can be a sign of a healthy banking operation.
Bear Case
- Concerns over rising interest rates could pressure profit margins, leading to cautious sentiment among investors.
- Some community members express skepticism about the bank's ability to compete with larger financial institutions in the area.
- Recent regulatory changes may pose challenges, creating uncertainty around compliance costs and operational adjustments.
- Market perception is mixed, with some investors worried about potential economic downturns affecting loan defaults.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
FIBH Latest News
No recent news available for FIBH.
FIBH Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FIBH.
Price Targets
Wall Street price target analysis for FIBH.
FIBH MoonshotScore
What does this score mean?
The MoonshotScore rates FIBH's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Jeffrey S. Bechtel
Unknown
Information on Jeffrey S. Bechtel's background is not available within the provided data. Further research would be needed to provide a comprehensive overview of his career history, education, and previous roles.
Track Record: Information on Jeffrey S. Bechtel's track record is not available within the provided data. Further research would be needed to provide a comprehensive overview of his key achievements, strategic decisions, and company milestones under his leadership.
FIBH OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that First Bancshares Inc. (Bellevue, OH) may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and operational performance. Trading on the OTC Other tier often implies a higher degree of risk compared to companies listed on major exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Financial Disclosure: OTC Other companies may have minimal reporting requirements, making it difficult to assess their financial health.
- Lower Liquidity: Trading volume can be thin, leading to wider bid-ask spreads and price volatility.
- Regulatory Scrutiny: OTC stocks are subject to less regulatory oversight than exchange-listed stocks.
- Potential for Fraud: The OTC market has a higher risk of fraudulent or manipulative activities.
- Delisting Risk: The company may not meet the requirements for listing on a major exchange.
- Verify the company's financial statements and audit reports.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review the company's filings with the SEC or other regulatory bodies.
- Check for any legal or regulatory issues involving the company.
- Monitor trading volume and price volatility.
- Consult with a financial advisor.
- Long operating history since 1875.
- Operation as a bank holding company for First National Bank.
- Physical presence with offices in multiple locations in Ohio.
- Provision of standard banking services such as loans and deposit accounts.
First Bancshares Inc. (Bellevue, OH) Financial Services Stock: Key Questions Answered
What does First Bancshares Inc. (Bellevue, OH) do?
First Bancshares Inc. (Bellevue, OH) functions as the bank holding company for First National Bank, delivering a spectrum of financial services to individuals and businesses. These services encompass deposit accounts like checking, savings, and IRAs, alongside a variety of loan products including mortgages, auto loans, and commercial lending. The company also provides online and mobile banking, treasury management, and merchant services, operating through offices in several Ohio locations.
What are the main risks for FIBH?
The primary risks for First Bancshares Inc. (Bellevue, OH) include increasing competition from larger regional and national banks, potential fluctuations in interest rates impacting profitability, and the risk of an economic downturn affecting the quality of its loan portfolio. Additionally, regulatory changes could increase compliance costs, and the company faces liquidity risks associated with trading on the OTC market. Managing credit risk and maintaining a strong capital base are also crucial.
What are the key factors to evaluate for FIBH?
First Bancshares Inc. (Bellevue, OH) (FIBH) holds an AI score of 57/100 (moderate). Not financial advice.
How frequently does FIBH data refresh on this page?
FIBH prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FIBH's recent stock price performance?
First Bancshares Inc. (Bellevue, OH) (FIBH) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established presence in local markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FIBH overvalued or undervalued right now?
Valuing First Bancshares Inc. (Bellevue, OH) (FIBH) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying FIBH?
Before investing in First Bancshares Inc. (Bellevue, OH) (FIBH), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding FIBH to a portfolio?
Key strength of First Bancshares Inc. (Bellevue, OH) (FIBH): Long-standing history and established presence in local markets. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be limited.
- AI analysis is pending and may provide additional insights.