FSGB (First Fedreal Of South Carolina Federalvings Bank) Effective Interest Rate on Debt %: 27.88% (As of Dec. 2025)

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FSGB First Fedreal Of South Carolina Federal Savings Bank FSGB
60 GF Score
Price $9.70
GF Value $15.73
Valuation Significantly Undervalued
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What is First Fedreal Of South Carolina Federalvings Bank Effective Interest Rate on Debt %?

First Fedreal Of South Carolina Federalvings Bank FSGB 60 Effective Interest Rate on Debt % is 27.88% as of Dec. 2025. GuruFocus rates FSGB with a GF Score™ of 60/100 and a GF Value™ of $15.73 (Significantly Undervalued).

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. First Fedreal Of South Carolina Federalvings Bank's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $1.53 Mil. First Fedreal Of South Carolina Federalvings Bank's average total debt for the quarter that ended in Dec. 2025 was $5.48 Mil. Therefore, First Fedreal Of South Carolina Federalvings Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 27.88%.

First Fedreal Of South Carolina Federalvings Bank  (OTCPK:FSGB) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

First Fedreal Of South Carolina Federalvings Bank Effective Interest Rate on Debt % Related Terms

First Fedreal Of South Carolina Federalvings Bank Effective Interest Rate on Debt % Historical Data

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The historical data trend for First Fedreal Of South Carolina Federalvings Bank's Effective Interest Rate on Debt % 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.

First Fedreal Of South Carolina Federalvings Bank Effective Interest Rate on Debt % Chart

First Fedreal Of South Carolina Federalvings Bank Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 18.05 8.32 8.17 14.83 27.88

First Fedreal Of South Carolina Federalvings Bank Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial 18.05 8.32 8.17 14.83 27.88

FSGB vs CARV, EWSB, SRNN: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, First Fedreal Of South Carolina Federalvings Bank's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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.

First Fedreal Of South Carolina Federalvings Bank Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, First Fedreal Of South Carolina Federalvings Bank's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where First Fedreal Of South Carolina Federalvings Bank's Effective Interest Rate on Debt % falls into.


FSGB
60GF Score
First Fedreal Of South Carolina Federal Savings Bank FSGB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Fedreal Of South Carolina Federalvings Bank Effective Interest Rate on Debt % Calculation

First Fedreal Of South Carolina Federalvings Bank's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -1.529/( (8.834+2.134)/ 2 )
=-1  *  -1.529/5.484
=27.88 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.834 + 0
=8.834

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.134 + 0
=2.134

First Fedreal Of South Carolina Federalvings Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -1.529/( (8.834+2.134)/ 2 )
=-1  *  -1.529/5.484
=27.88 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.834 + 0
=8.834

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.134 + 0
=2.134

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is one times the annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 27.88% mean?
First Fedreal Of South Carolina Federalvings Bank (FSGB) has a Effective Interest Rate on Debt % of 27.88% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on First Fedreal Of South Carolina Federalvings Bank and its competitors.
Is First Fedreal Of South Carolina Federalvings Bank's Effective Interest Rate on Debt % too high?
First Fedreal Of South Carolina Federalvings Bank's current Effective Interest Rate on Debt % is 27.88%. Overall, First Fedreal Of South Carolina Federalvings Bank has a GF Score™ of 60/100 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 Effective Interest Rate on Debt % compare to CARV and EWSB?
First Fedreal Of South Carolina Federalvings Bank's Effective Interest Rate on Debt % of 27.88% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on First Fedreal Of South Carolina Federalvings Bank and its competitors. First Fedreal Of South Carolina Federalvings Bank's current Effective Interest Rate on Debt % is 27.88%. 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 $15.73, compared to a current price of $9.70 — trading 38.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 27.88%. First Fedreal Of South Carolina Federalvings Bank's overall GF Score™ is 60/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For First Fedreal Of South Carolina Federalvings Bank (FSGB), the current Effective Interest Rate on Debt % is 27.88% 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 $9.70 is trading 38.3% below its estimated GF Value™ of $15.73. GuruFocus considers First Fedreal Of South Carolina Federalvings Bank to be Significantly Undervalued.

Key valuation signals for FSGB:

  • Effective Interest Rate on Debt %: 27.88%
  • GF Value™: $15.73 vs. price of $9.70 (38.3% below fair value)
  • GF Score™: 60/100

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 Federalvings Bank Business Description

Address 300 Robertson Boulevard, Walterboro, SC, USA, 29488
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.
60GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.70
Price
$15.73
GF Value