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FSBHFSBH 52 3-Year EPS without NRI Growth Rate is 24.00% as of Dec. 2025, which is at its 10-year median of 24.00. GuruFocus rates FSBH with a GF Score™ of 52/100 and a GF Value™ of $10.20 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,409 Banks companies, FSBH ranks better than 81.12% on this metric.
During the past 12 months, FSBH's average EPS without NRI Growth Rate was 38.80% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 24.00% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 33.70% 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 EPS without NRI growth rate.
During the past 7 years, the highest 3-Year average EPS without NRI Growth Rate of FSBH was 81.50% per year. The lowest was -13.50% per year. And the median was 24.00% per year.
FSBH (OTCPK:FSBH) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
FSBH 3-Year EPS without NRI Growth Rate Related Terms
FSBH vs PVBK, TCBS, SCYT: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, FSBH's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, FSBH's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where FSBH's 3-Year EPS without NRI Growth Rate falls into.
FSBH 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 24.00% mean?
FSBH (FSBH) has a 3-Year EPS without NRI Growth Rate of 24.00% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for FSBH and its competitors. This is near median its historical median of 24.00. According to the industry distribution chart, FSBH ranks #266 out of 1409 companies in the Banks industry, placing it in the top 18.9%.
Is FSBH's 3-Year EPS without NRI Growth Rate too high?
FSBH's current 3-Year EPS without NRI Growth Rate of 24.00% is near median its 10-year median of 24.00. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. FSBH's value of 24.00% is 220% above this industry median. Based on the distribution chart, FSBH ranks #266 out of 1409 companies in the Banks industry, which is in the top quartile — a strong position 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 3-Year EPS without NRI Growth Rate compare to PVBK and TCBS?
According to the Banks industry distribution chart, FSBH ranks #266 out of 1409 companies for 3-Year EPS without NRI Growth Rate. This places FSBH in the top 19% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 7.50. FSBH's value of 24.00% is 220% above this benchmark. While the company's 10-year median is 24.00 vs. the industry median of 7.50, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSBH's current 3-Year EPS without NRI Growth Rate of 24.00% is 220% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for FSBH and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSBH's current 3-Year EPS without NRI Growth Rate is 24.00%, which is near median its own 10-year median of 24.00. 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 $10.20, compared to a current price of $16.70 — trading 63.7% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 24.00%, which is near median its 10-year median of 24.00 and 220% above the Banks industry median of 7.50. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For FSBH (FSBH), the current 3-Year EPS without NRI Growth Rate is 24.00% 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 $16.70 is trading 63.7% above its estimated GF Value™ of $10.20.
GuruFocus considers FSBH to be Significantly Overvalued.
Key valuation signals for FSBH:
3-Year EPS without NRI Growth Rate: 24.00% (near median its 10-year median of 24.00)
GF Value™: $10.20 vs. price of $16.70 (63.7% above fair value)
Industry Position: 220% above the Banks median (#266 of 1409)
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
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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