First Bancshares [FBMS] vs Pathward Financial [CASH] Detailed Stock Comparison

First Bancshares Inc.

NYSE
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Pathward Financial Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: First Bancshares Inc. wins in 5 metrics, Pathward Financial Inc. wins in 12 metrics, with 0 ties. Pathward Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First Bancshares Inc. Pathward Financial Inc. Better
P/E Ratio (TTM) 13.86 11.91 Pathward Financial Inc.
Price-to-Book Ratio 1.05 2.54 First Bancshares Inc.
Debt-to-Equity Ratio 0.35 0.07 Pathward Financial Inc.
PEG Ratio 12.25 0.55 Pathward Financial Inc.
Profit Margin (TTM) 27.61% 24.31% First Bancshares Inc.
Operating Margin (TTM) 51.32% 25.54% First Bancshares Inc.
EBITDA Margin (TTM) 51.32% 25.54% First Bancshares Inc.
Return on Equity 7.90% 23.57% Pathward Financial Inc.
Return on Assets (TTM) 0.96% 2.53% Pathward Financial Inc.
Free Cash Flow (TTM) $82.19M $236.59M Pathward Financial Inc.
Dividend Yield N/A 0.28% N/A
1-Year Return 29.67% 5.37% First Bancshares Inc.
Price-to-Sales Ratio (TTM) 3.78 2.78 Pathward Financial Inc.
Enterprise Value $1.18B $1.85B Pathward Financial Inc.
EV/Revenue Ratio 4.21 2.36 Pathward Financial Inc.
Revenue per Share (TTM) $9 $34 Pathward Financial Inc.
Earnings per Share (Diluted) $2.44 $8.21 Pathward Financial Inc.
Beta (Stock Volatility) 0.91 0.74 Pathward Financial Inc.
Short % of Float N/A 10.89% N/A

First Bancshares Inc. vs Pathward Financial Inc. Stock Performance Analysis

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FBMS
CASH

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Bancshares Inc.-3.99%N/AN/AN/AN/AN/A
Pathward Financial Inc.-4.51%-2.96%-5.03%-11.42%12.71%13.27%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Bancshares Inc.29.67%1.60%87.57%110.31%256.08%232.51%
Pathward Financial Inc.5.37%69.22%54.50%384.62%1,296.26%996.53%

Performance & Financial Health Analysis: First Bancshares Inc. vs Pathward Financial Inc.

MetricFBMSCASH
Market Information
Market Cap i$1.06B$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i406,056175,852
90 Day Avg. Volume i225,002230,397
Last Close$33.65$77.74
52 Week Range$22.96 - $39.21$65.87 - $101.26
% from 52W High-14.18%-23.23%
All-Time High$43.53 (Aug 20, 2018)$101.26 (Apr 17, 2026)
% from All-Time High-22.70%-23.23%
Growth Metrics
Quarterly Revenue Growth0.19%0.04%
Quarterly Earnings Growth0.66%0.17%
Financial Health
Profit Margin (TTM) i0.28%0.24%
Operating Margin (TTM) i0.51%0.26%
Return on Equity (TTM) i0.08%0.24%
Debt to Equity (MRQ) i0.350.07
Cash & Liquidity
Book Value per Share (MRQ)$32.27$38.55
Cash per Share (MRQ)$7.37$15.22
Operating Cash Flow (TTM) i$85.51M$630.66M
Levered Free Cash Flow (TTM) i$77.19M$185.18M
Dividends
Last 12-Month Dividend Yield iN/A0.28%
Last 12-Month Dividend iN/A$0.25

Valuation & Enterprise Metrics Analysis: First Bancshares Inc. vs Pathward Financial Inc.

MetricFBMS (May 17, 2025)CASH (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i13.8611.91
Forward P/E i12.2510.21
PEG Ratio i12.250.55
Price to Sales (TTM) i3.782.78
Price to Book (MRQ) i1.052.54
Market Capitalization
Market Capitalization i$1.06B$1.96B
Enterprise Value i$1.18B$1.85B
Enterprise Value Metrics
Enterprise to Revenue i4.212.36
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.910.74
Book Value per Share (MRQ) i$32.27$38.55

Financial Statements Comparison: First Bancshares Inc. vs Pathward Financial Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFBMS (2024)CASH (2025)
Revenue/Sales i276.99M673.63M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i97.97M223.05M
Pre-Tax Income % of Revenue i35.4%33.1%
Income Tax i20.77M36.27M
Income Tax % of Revenue i7.5%5.4%
Net Income (Profit) i77.19M186.79M
Profit Margin i27.9%27.7%

Balance Sheet & Liquidity Metrics

MetricFBMS (2024)CASH (2025)
Cash & Equivalents i220.41M120.57M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i341.56M33.46M
Long-Term Debt % of Revenue i123.3%5.0%
Total Shareholders Equity i1.01B857.45M
Retained Earnings i346.18M359.83M
Retained Earnings % of Revenue i125.0%53.4%
Property, Plant & Equipment i7.10M279.25M

Cash Flow Statement Comparison

MetricFBMS (2024)CASH (2025)
Operating Cash Flow i81.90M453.09M
Operating Cash Flow % of Revenue i29.6%67.3%
Capital Expenditures i-2.90M-185.72M
Free Cash Flow i82.19M236.59M
FCF Margin i29.7%35.1%
Debt Repayment i-4.21BN/A
Common Stock Repurchase i-2.28M-163.05M

Short Interest & Institutional Ownership Analysis

MetricFBMSCASH
Shares Short iN/A1.97M
Short Ratio iN/A8.16
Short % of Float iN/A10.89%
Shares Outstanding i31.20M22.17M
Float Shares i29.30M21.45M
% Held by Insiders i6.30%1.42%
% Held by Institutions i74.75%95.01%
% Held by Public i18.95%3.57%

Dividend Analysis & Yield Comparison: First Bancshares Inc. vs Pathward Financial Inc.

MetricFBMSCASH
Last 12-Month Dividend iN/A$0.25
Last 12-Month Dividend Yield iN/A0.28%
3-Year Avg Annual Dividend iN/A$0.22
3-Year Avg Dividend Yield iN/A0.08%
3-Year Total Dividends iN/A$0.65
Ex-Dividend DateN/AMar 12, 2026