{"schema_version":"secwatch.filing_event.v1","accession":"0000947559-24-000018","form_type":"8-K","ticker":null,"cik":"0000947559","company_name":"FIRST BANCSHARES INC /MS/","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.580641+00:00","generated_at":"2026-06-03T09:07:25.552638+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"FBMS Q1 2024 net income $20.6M, EPS $0.65; deposits up 3.8%; declares $0.25 dividend","bullets":["Net income available to common shareholders $20.6M (diluted EPS $0.65), up 86.7% from $11.0M ($0.35) in Q4 2023.","Operating (non-GAAP) net income $20.6M, +10.1% sequentially; operating EPS $0.65 vs $0.59.","Total deposits grew $247.5M (3.8%) to $6.710B; loans decreased $30.1M (0.6%) to $5.140B.","Net interest margin 3.20% (core NIM 3.10%); cost of deposits rose to 178 bps from 154 bps in Q4.","Quarterly cash dividend of $0.25 per share declared, payable May 23, 2024 to holders of record May 7, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000947559-24-000018","json":"https://secwatch.observer/filing/0000947559-24-000018.json","markdown":"https://secwatch.observer/filing/0000947559-24-000018.md","text":"https://secwatch.observer/filing/0000947559-24-000018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/947559/000094755924000018/0000947559-24-000018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/947559/000094755924000018/fbms-20240424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T09:07:25.552638+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"481ae8b82a7035d0e27ecf80da82111e72661624","claim":"FIRST BANCSHARES INC /MS/ reported first quarter ended March 31, 2024 results: net income Net income available to common shareholders totaled $20.6 million for the quarter ended March 31, 2024, EPS diluted earnings per share were $0.65.","evidence_excerpt":"The First Bancshares, Inc. issued a press release announcing its results of operations for the first quarter of 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/947559/000094755924000018/0000947559-24-000018-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2024"},{"label":"Net income","value":"Net income available to common shareholders totaled $20.6 million for the quarter ended March 31, 2024"},{"label":"EPS","value":"diluted earnings per share were $0.65"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}