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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.
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.
First Fedreal Of South Carolina Federalvings Bank Debt-to-Equity Related Terms
First Fedreal Of South Carolina Federalvings Bank Debt-to-Equity Historical Data
* 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.
First Fedreal Of South Carolina Federalvings Bank Debt-to-Equity Chart
First Fedreal Of South Carolina Federalvings Bank Annual Data
* 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.
First Fedreal Of South Carolina Federalvings Bank Debt-to-Equity vs Banks Industry
* 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.
First Fedreal Of South Carolina Federalvings Bank (FSGB) has a Debt-to-Equity of 0.16 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Fedreal Of South Carolina Federalvings Bank and its competitors. This is 67% below median its historical median of 0.49. Over the past decade, First Fedreal Of South Carolina Federalvings Bank's Debt-to-Equity has ranged from 0.16 to 2.07. According to the industry distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #259 out of 1417 companies in the Banks industry, placing it in the top 18.3%.
Is First Fedreal Of South Carolina Federalvings Bank's Debt-to-Equity too high?
First Fedreal Of South Carolina Federalvings Bank's current Debt-to-Equity of 0.16 is 67% below median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 2.07. The Banks industry median Debt-to-Equity is 0.58. First Fedreal Of South Carolina Federalvings Bank's value of 0.16 is 72.4% below this industry median. Based on the distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #259 out of 1417 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Fedreal Of South Carolina Federalvings Bank has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Fedreal Of South Carolina Federalvings Bank's Debt-to-Equity compare to CARV and EWSB?
According to the Banks industry distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #259 out of 1417 companies for Debt-to-Equity. This places First Fedreal Of South Carolina Federalvings Bank in the top 18% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. First Fedreal Of South Carolina Federalvings Bank's value of 0.16 is 72.4% below this benchmark. Historically, First Fedreal Of South Carolina Federalvings Bank's own Debt-to-Equity has ranged from 0.16 to 2.07 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 0.58, First Fedreal Of South Carolina Federalvings Bank has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,417 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. First Fedreal Of South Carolina Federalvings Bank's current Debt-to-Equity of 0.16 is 72.4% below 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 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 First Fedreal Of South Carolina Federalvings Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Fedreal Of South Carolina Federalvings Bank's current Debt-to-Equity is 0.16, which is 67% below median its own 10-year median of 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Fedreal Of South Carolina Federalvings Bank stock overvalued right now?
Based on GuruFocus' analysis, First Fedreal Of South Carolina Federalvings Bank (FSGB) is currently considered Significantly Undervalued. The stock's GF Value™ is $15.85, compared to a current price of $10.90 — trading 31.2% below its estimated fair value. The current Debt-to-Equity is 0.16, which is 67% below median its 10-year median of 0.49 and 72.4% below the Banks industry median of 0.58. First Fedreal Of South Carolina Federalvings Bank's overall GF Score™ is 59/100. 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 First Fedreal Of South Carolina Federalvings Bank (FSGB), the current Debt-to-Equity is 0.16 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 First Fedreal Of South Carolina Federalvings Bank (FSGB) Overvalued in 2026?
Based on GuruFocus' analysis, First Fedreal Of South Carolina Federalvings Bank stock appears to be undervalued.
The current stock price of $10.90 is trading 31.2% below its estimated GF Value™ of $15.85.
GuruFocus considers First Fedreal Of South Carolina Federalvings Bank to be Significantly Undervalued.
Key valuation signals for FSGB:
Debt-to-Equity: 0.16 (67% below median its 10-year median of 0.49)
GF Value™: $15.85 vs. price of $10.90 (31.2% below fair value)
Industry Position: 72.4% below the Banks median (#259 of 1417)
No single metric tells the full story. See the FSGB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Fedreal Of South Carolina Federal Savings Bank is a full-service bank. The bank services include accepting deposits, online and mobile banking, debit and credit cards, loans, mortgages, etc. The Bank's primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments.
59GF Score
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