 First Bancshares NASDAQ:FBMS and Emclaire Financial NASDAQ:EMCF are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, institutional ownership, valuation, analyst recommendations, risk, profitability and earnings. Insider and Institutional Ownership 55.6 of First Bancshares shares are held by institutional investors. Comparatively, ... 