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The First Bancshares (FBMS) investor relations material
The First Bancshares Q4 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2024 earnings summary29 Jan, 2025
Executive summary
Net income available to common shareholders was $18.3 million for Q4 2024, down 1.5% sequentially but up 65.6% year-over-year; full-year net income rose 2.3% to $77.2 million.
Operating net earnings (non-GAAP) for Q4 2024 were $20.3 million, down 1.1% sequentially but up 8.25% year-over-year.
The company announced a pending all-stock merger with Renasant Corporation, expected to close in the first half of 2025.
Board declared a $0.25 per share cash dividend, payable February 26, 2025.
Financial highlights
Total loans increased $88.6 million (1.7%) sequentially and $237.2 million (4.6%) year-over-year to $5.41 billion.
Total deposits rose $44.1 million (0.7%) sequentially and $142.0 million (2.2%) year-over-year to $6.61 billion.
Net interest income for Q4 2024 was $60.1 million, up $1.1 million sequentially and $2.5 million year-over-year.
Non-interest income for Q4 2024 was $11.5 million, down $0.7 million sequentially but up $9.2 million year-over-year.
Non-interest expense for Q4 2024 was $48.4 million, up $2.0 million sequentially and $3.9 million year-over-year.
Diluted EPS for Q4 2024 was $0.58 (operating: $0.64); full-year diluted EPS was $2.44 (operating: $2.57).
Outlook and guidance
Management highlighted strong loan growth, core net interest margin expansion, and the strategic value of the Renasant merger.
The merger is expected to close in the first half of 2025, subject to regulatory approvals.
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Frequently asked questions
The First Bancshares, Inc. is the bank holding company for The First Bank, a regional community bank. The bank offers a range of financial products and services, including personal and business banking, commercial and residential lending, and wealth management solutions. It serves individuals, businesses, and municipalities across the Southeastern United States, focusing on personalized customer service and local market expertise. The company is headquartered in Hattiesburg, Mississippi, and its shares are listed on the NASDAQ.
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