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FBMS vs GIS: Dividend Comparison 2026

FBMS yields 2.96% · GIS yields 6.55%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 FBMS wins by $387.24M in total portfolio value· pulled ahead in Year 3
10 years
FBMS
FBMS
● Live price
2.96%
Share price
$33.81
Annual div
$1.00
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$387.32M
Annual income
$363,692,956.83
Full FBMS calculator →
GIS
GIS
● Live price
6.55%
Share price
$37.11
Annual div
$2.43
5Y div CAGR
22.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$79.2K
Annual income
$16,311.42
Full GIS calculator →

Portfolio growth — FBMS vs GIS

📍 FBMS pulled ahead of the other in Year 3

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodFBMSGIS
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
📅

Dividend Calendar Overlap

Combined, FBMS + GIS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
FBMS pays
GIS pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

FBMS
Annual income on $10K today (after 15% tax)
$251.40/yr
After 10yr DRIP, annual income (after tax)
$309,139,013.31/yr
GIS
Annual income on $10K today (after 15% tax)
$556.59/yr
After 10yr DRIP, annual income (after tax)
$13,864.71/yr
At 15% tax rate, FBMS beats the other by $309,125,148.60/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FBMS + GIS for your $10,000?

FBMS: 50%GIS: 50%
100% GIS50/50100% FBMS
Portfolio after 10yr
$193.70M
Annual income
$181,854,634.12/yr
Blended yield
93.89%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FBMS right now

FBMS
Analyst Ratings
5
Buy
1
Hold
Consensus: Buy
Altman Z
-0.6
Piotroski
7/9
GIS
Analyst Ratings
9
Buy
19
Hold
6
Sell
Consensus: Hold
Price Target
$47.42
+27.8% upside vs current
Range: $35.00 — $63.00
Altman Z
2.2
Piotroski
6/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FBMS buys
0
GIS buys
0
No recent congressional trades found for FBMS or GIS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFBMSGIS
Forward yield2.96%6.55%
Annual dividend / share$1.00$2.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%22.8%
Portfolio after 10y$387.32M$79.2K
Annual income after 10y$363,692,956.83$16,311.42
Total dividends collected$385.56M$51.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyHold

Year-by-year: FBMS vs GIS ($10,000, DRIP)

YearFBMS PortfolioFBMS Income/yrGIS PortfolioGIS Income/yrGap
1$11,292$591.54$11,504$804.11$212.00GIS
2$13,330$1,248.49$13,371$1,061.65$41.00GIS
3← crossover$17,019$2,755.00$15,723$1,416.15+$1.3KFBMS
4$24,784$6,574.25$18,735$1,911.16+$6.0KFBMS
5$44,414$17,895.47$22,660$2,613.51+$21.8KFBMS
6$107,467$59,943.28$27,874$3,627.81+$79.6KFBMS
7$386,094$271,104.28$34,947$5,121.52+$351.1KFBMS
8$2,233,664$1,820,543.70$44,762$7,369.21+$2.19MFBMS
9$22,076,697$19,686,676.88$58,728$10,832.80+$22.02MFBMS
10$387,315,023$363,692,956.83$79,151$16,311.42+$387.24MFBMS

FBMS vs GIS: Complete Analysis 2026

FBMSStock

The First Bancshares, Inc. operates as the bank holding company for The First, A National Banking Association that provides general commercial and retail banking services. The company operates through three segments: Commercial/Retail Bank, Mortgage Banking Division, and Holding Company. It offers deposit services, including checking, NOW, and savings accounts; other time deposits, such as daily money market accounts and longer-term certificates of deposit; and individual retirement and health savings accounts. The company also provides commercial loans comprising secured and unsecured loans for working capital, business expansion, and purchase of equipment and machinery; consumer loans consisting of equity lines of credit, as well as secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; and real estate construction and acquisition loans. In addition, it originates loans to purchase existing residential homes or construct new homes, and to refinance existing mortgages; and provides financial and wealth management services. Further, the company offers internet banking services, automated teller machines, voice response telephone inquiry services, commercial sweep accounts, cash management services, safe deposit boxes, merchant, mobile deposit, direct deposit of payroll and social security checks, automatic drafts for various accounts, and credit card services. It primarily serves small to medium-sized businesses, professional concerns, individuals, associations, organizations, and governmental authorities. As of December 31, 2021, the company operated 90 locations in Mississippi, Alabama, Florida, Georgia, and Louisiana. The First Bancshares, Inc. was incorporated in 1995 and is headquartered in Hattiesburg, Mississippi.

Full FBMS Calculator →

GISConsumer Staples

General Mills, Inc. manufactures and markets branded consumer foods worldwide. The company operates in five segments: North America Retail; Convenience Stores & Foodservice; Europe & Australia; Asia & Latin America; and Pet. It offers ready-to-eat cereals, refrigerated yogurt, soup, meal kits, refrigerated and frozen dough products, dessert and baking mixes, bakery flour, frozen pizza and pizza snacks, snack bars, fruit and salty snacks, ice cream, nutrition bars, wellness beverages, and savory and grain snacks, as well as various organic products, including frozen and shelf-stable vegetables. It also supplies branded and unbranded food products to the North American foodservice and commercial baking industries; and manufactures and markets pet food products, including dog and cat food. The company markets its products under the Annie's, Betty Crocker, Bisquick, Blue Buffalo, Blue Basics, Blue Freedom, Bugles, Cascadian Farm, Cheerios, Chex, Cinnamon Toast Crunch, Cocoa Puffs, Cookie Crisp, EPIC, Fiber One, Food Should Taste Good, Fruit by the Foot, Fruit Gushers, Fruit Roll-Ups, Gardetto's, Go-Gurt, Gold Medal, Golden Grahams, Häagen-Dazs, Helpers, Jus-Rol, Kitano, Kix, Lärabar, Latina, Liberté, Lucky Charms, Muir Glen, Nature Valley, Oatmeal Crisp, Old El Paso, Oui, Pillsbury, Progresso, Raisin Nut Bran, Total, Totino's, Trix, Wanchai Ferry, Wheaties, Wilderness, Yoki, and Yoplait trademarks. It sells its products directly, as well as through broker and distribution arrangements to grocery stores, mass merchandisers, membership stores, natural food chains, e-commerce retailers, commercial and noncommercial foodservice distributors and operators, restaurants, convenience stores, and pet specialty stores, as well as drug, dollar, and discount chains. The company operates 466 leased and 392 franchise ice cream parlors. General Mills, Inc. was founded in 1866 and is headquartered in Minneapolis, Minnesota.

Full GIS Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.