First Bancshares [FBMS] vs Pathward Financial [CASH] Detailed Stock Comparison
First Bancshares
NYSE
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Pathward Financial
NASDAQ
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: First Bancshares wins in 5 metrics, Pathward Financial wins in 12 metrics, with 0 ties. Pathward Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | First Bancshares | Pathward Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 13.86 | 9.94 | Pathward Financial |
| Price-to-Book Ratio | 1.05 | 2.11 | First Bancshares |
| Debt-to-Equity Ratio | 0.35 | 0.19 | Pathward Financial |
| PEG Ratio | 12.25 | 0.46 | Pathward Financial |
| Profit Margin (TTM) | 27.61% | 22.72% | First Bancshares |
| Operating Margin (TTM) | 51.32% | 26.29% | First Bancshares |
| EBITDA Margin (TTM) | 51.32% | 26.29% | First Bancshares |
| Return on Equity | 7.90% | 21.21% | Pathward Financial |
| Return on Assets (TTM) | 0.96% | 2.28% | Pathward Financial |
| Free Cash Flow (TTM) | $82.19M | $176.78M | Pathward Financial |
| Dividend Yield | N/A | 0.27% | N/A |
| 1-Year Return | 29.67% | 17.51% | First Bancshares |
| Price-to-Sales Ratio (TTM) | 3.78 | 2.35 | Pathward Financial |
| Enterprise Value | $1.18B | $1.61B | Pathward Financial |
| EV/Revenue Ratio | 4.21 | 2.20 | Pathward Financial |
| Revenue per Share (TTM) | $9 | $31 | Pathward Financial |
| Earnings per Share (Diluted) | $2.44 | $7.56 | Pathward Financial |
| Beta (Stock Volatility) | 0.91 | 0.63 | Pathward Financial |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
First Bancshares vs Pathward Financial Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| First Bancshares | -3.99% | -3.99% | -5.66% | -3.88% | 4.73% | -3.08% |
| Pathward Financial | 4.76% | 4.57% | -2.16% | 1.48% | 2.81% | 8.59% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| First Bancshares | 29.67% | 1.60% | 87.57% | 110.31% | 256.08% | 232.51% |
| Pathward Financial | 17.51% | 131.74% | 305.40% | 439.89% | 606.46% | 1,193.43% |
Performance & Financial Health Analysis: First Bancshares vs Pathward Financial
| Metric | FBMS | CASH |
|---|---|---|
| Market Information | ||
| Market Cap | $1.06B | $1.73B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 406,056 | 151,380 |
| 90 Day Avg. Volume | 225,002 | 184,090 |
| Last Close | $33.65 | $78.74 |
| 52 Week Range | $22.96 - $39.21 | $62.79 - $86.00 |
| % from 52W High | -14.18% | -8.44% |
| All-Time High | $43.53 (Aug 20, 2018) | $86.00 (Nov 25, 2024) |
| % from All-Time High | -22.70% | -8.44% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.19% | 0.09% |
| Quarterly Earnings Growth | 0.66% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.28% | 0.23% |
| Operating Margin (TTM) | 0.51% | 0.26% |
| Return on Equity (TTM) | 0.08% | 0.21% |
| Debt to Equity (MRQ) | 0.35 | 0.19 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $32.27 | $35.67 |
| Cash per Share (MRQ) | $7.37 | $11.26 |
| Operating Cash Flow (TTM) | $85.51M | $227.32M |
| Levered Free Cash Flow (TTM) | $77.19M | $166.82M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.27% |
| Last 12-Month Dividend | N/A | $0.20 |
Valuation & Enterprise Metrics Analysis: First Bancshares vs Pathward Financial
| Metric | FBMS | CASH |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 13.86 | 9.94 |
| Forward P/E | 12.25 | 9.06 |
| PEG Ratio | 12.25 | 0.46 |
| Price to Sales (TTM) | 3.78 | 2.35 |
| Price to Book (MRQ) | 1.05 | 2.11 |
| Market Capitalization | ||
| Market Capitalization | $1.06B | $1.73B |
| Enterprise Value | $1.18B | $1.61B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.21 | 2.20 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.91 | 0.63 |
| Book Value per Share (MRQ) | $32.27 | $35.67 |
Financial Statements Comparison: First Bancshares vs Pathward Financial
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | FBMS | CASH |
|---|---|---|
| Revenue/Sales | $64.42M | $123.65M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $22.13M | $37.92M |
| Income Tax | $3.84M | $6.29M |
| Net Income (Profit) | $18.30M | $31.63M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | FBMS | CASH |
|---|---|---|
| Cash & Equivalents | $220.41M | $597.40M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $341.56M | $33.38M |
| Total Shareholders Equity | $1.01B | $776.43M |
| Retained Earnings | $346.18M | $332.32M |
| Property, Plant & Equipment | $7.10M | $355.22M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | FBMS | CASH |
|---|---|---|
| Operating Cash Flow | $11.13M | $-218.60M |
| Capital Expenditures | $-1.03M | $-49.17M |
| Free Cash Flow | $16.67M | $-131.49M |
| Debt Repayment | $-1.41B | N/A |
| Common Stock Repurchase | $-1.89M | $-57.01M |
Short Interest & Institutional Ownership Analysis
| Metric | FBMS | CASH |
|---|---|---|
| Shares Short | N/A | 1.31M |
| Short Ratio | N/A | 6.93 |
| Short % of Float | N/A | 0.07% |
| Average Daily Volume (10 Day) | 406,056 | 151,380 |
| Average Daily Volume (90 Day) | 225,002 | 184,090 |
| Shares Outstanding | 31.20M | 24.85M |
| Float Shares | 29.30M | 22.64M |
| % Held by Insiders | 0.06% | 0.01% |
| % Held by Institutions | 0.75% | 0.97% |
Dividend Analysis & Yield Comparison: First Bancshares vs Pathward Financial
| Metric | FBMS | CASH |
|---|---|---|
| Last 12-Month Dividend | N/A | $0.20 |
| Last 12-Month Dividend Yield | N/A | 0.27% |
| 3-Year Avg Annual Dividend | N/A | $0.20 |
| 3-Year Avg Dividend Yield | N/A | 0.10% |
| 3-Year Total Dividends | N/A | $0.60 |
| Ex-Dividend Date | N/A | Jun 13, 2025 |