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FSBHFSBH -0.24%52 3-Year Book Growth Rate is 12.00% as of Dec. 2025, which is 196% above its 10-year median of 4.05. GuruFocus rates FSBH with a GF Score™ of 52/100 and a GF Value™ of $10.21 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,492 Banks companies, FSBH ranks better than 67.9% on this metric.
During the past 12 months, FSBH's average Book Value per Share Growth Rate was 12.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 12.00% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 7 years, the highest 3-Year average Book Value per Share Growth Rate of FSBH was 12.00% per year. The lowest was 0.40% per year. And the median was 4.05% per year.
FSBH (OTCPK:FSBH) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
FSBH 3-Year Book Growth Rate Related Terms
FSBH vs PVBK, TCBS, SCYT: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, FSBH's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
FSBH 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, FSBH's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where FSBH's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 12.00% mean?
FSBH (FSBH) has a 3-Year Book Growth Rate of 12.00% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for FSBH and its competitors. This is 196% above median its historical median of 4.05. Over the past decade, FSBH's 3-Year Book Growth Rate has ranged from 0.40 to 12.00. According to the industry distribution chart, FSBH ranks #479 out of 1492 companies in the Banks industry, placing it in the top 32.1%.
Is FSBH's 3-Year Book Growth Rate too high?
FSBH's current 3-Year Book Growth Rate of 12.00% is 196% above median its 10-year median of 4.05. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 12.00. The Banks industry median 3-Year Book Growth Rate is 8.80. FSBH's value of 12.00% is 36.4% above this industry median. Based on the distribution chart, FSBH ranks #479 out of 1492 companies in the Banks industry, which is above the industry midpoint. Overall, FSBH has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FSBH's 3-Year Book Growth Rate compare to PVBK and TCBS?
According to the Banks industry distribution chart, FSBH ranks #479 out of 1492 companies for 3-Year Book Growth Rate. This puts FSBH in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. FSBH's value of 12.00% is 36.4% above this benchmark. Historically, FSBH's own 3-Year Book Growth Rate has ranged from 0.40 to 12.00 over the past decade. While the company's 10-year median is 4.05 vs. the industry median of 8.80, FSBH has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSBH's current 3-Year Book Growth Rate of 12.00% is 36.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for FSBH and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSBH's current 3-Year Book Growth Rate is 12.00%, which is 196% above median its own 10-year median of 4.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FSBH stock overvalued right now?
Based on GuruFocus' analysis, FSBH (FSBH) is currently considered Significantly Overvalued. The stock's GF Value™ is $10.21, compared to a current price of $16.66 — trading 63.2% above its estimated fair value. The current 3-Year Book Growth Rate is 12.00%, which is 196% above median its 10-year median of 4.05 and 36.4% above the Banks industry median of 8.80. FSBH's overall GF Score™ is 52/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For FSBH (FSBH), the current 3-Year Book Growth Rate is 12.00% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is FSBH (FSBH) Overvalued in 2026?
Based on GuruFocus' analysis, FSBH stock appears to be overvalued.
The current stock price of $16.66 is trading 63.2% above its estimated GF Value™ of $10.21.
GuruFocus considers FSBH to be Significantly Overvalued.
Key valuation signals for FSBH:
3-Year Book Growth Rate: 12.00% (196% above median its 10-year median of 4.05)
GF Value™: $10.21 vs. price of $16.66 (63.2% above fair value)
Industry Position: 36.4% above the Banks median (#479 of 1492)
No single metric tells the full story. See the FSBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FSBH Corp, formerly First Southern Bank (GA) operates as a bank. It provides a full range of banking services to individual and corporate customers in the markets and the surrounding counties. Its portfolio segments are: Real estate, which consists of Construction and development, Residential, Commercial, and Farmland; Commercial; and Consumer. It provides services such as E-Banking; Personal Banking; Business Banking; Insurance; Loans and Deposits; Credit cards and others.
52GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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