Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
FSBHFSBH 52 Debt-to-Equity is 0.00 as of Dec. 2025. GuruFocus rates FSBH with a GF Score™ of 52/100 and a GF Value™ of $10.12 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,423 Banks companies, FSBH ranks worse than 70274% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for FSBH's Debt-to-Equity or its related term are showing as below:
FSBH's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.56 * Ranked among companies with meaningful Debt-to-Equity only.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
FSBH Debt-to-Equity Related Terms
FSBH Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for FSBH's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FSBH vs DENI, FGFI, PVBK: Debt-to-Equity Comparison
For the Banks - Regional subindustry, FSBH's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, FSBH's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where FSBH's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FSBH (FSBH) has a Debt-to-Equity of 0.00 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on FSBH and its competitors. According to the industry distribution chart, FSBH ranks #999999 out of 1423 companies in the Banks industry.
Is FSBH's Debt-to-Equity too high?
FSBH's current Debt-to-Equity is 0.00. Based on the distribution chart, FSBH ranks #999999 out of 1423 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Debt-to-Equity compare to DENI and FGFI?
According to the Banks industry distribution chart, FSBH ranks #999999 out of 1423 companies for Debt-to-Equity. This places FSBH in the lower half of its industry. The industry median Debt-to-Equity is 0.56. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on FSBH and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSBH's current Debt-to-Equity is 0.00. 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 $10.12, compared to a current price of $16.50 — trading 63% above its estimated fair value. The current Debt-to-Equity is 0.00. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For FSBH (FSBH), the current Debt-to-Equity is 0.00 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 $16.50 is trading 63% above its estimated GF Value™ of $10.12.
GuruFocus considers FSBH to be Significantly Overvalued.
Key valuation signals for FSBH:
Debt-to-Equity: 0.00
GF Value™: $10.12 vs. price of $16.50 (63% above fair value)
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
Get the complete analysis for FSBH
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FSBH has been successfully added to your 
