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.
FSGB's EV-to-OCF is ranked worse than 50.61% of 1486
companies
in the Banks industry
Industry Median: 4.025
vs FSGB: 4.19
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Fedreal Of South Carolina Federalvings Bank (OTCPK:FSGB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Fedreal Of South Carolina Federalvings Bank's PE Ratio (TTM) for today is calculated as:
First Fedreal Of South Carolina Federalvings Bank's share price for today is $10.90.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Fedreal Of South Carolina Federalvings Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.810.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Fedreal Of South Carolina Federalvings Bank EV-to-OCF Related Terms
First Fedreal Of South Carolina Federalvings Bank EV-to-OCF 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 EV-to-OCF 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 EV-to-OCF 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 EV-to-OCF of 4.19 as of Sep. 10, 2026. This is near median its historical median of 4.32. According to the industry distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #752 out of 1486 companies in the Banks industry, placing it in the top 50.6%.
Is First Fedreal Of South Carolina Federalvings Bank's EV-to-OCF too high?
First Fedreal Of South Carolina Federalvings Bank's current EV-to-OCF of 4.19 is near median its 10-year median of 4.32. The Banks industry median EV-to-OCF is 4.03. First Fedreal Of South Carolina Federalvings Bank's value of 4.19 is 4.1% above this industry median. Based on the distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #752 out of 1486 companies in the Banks industry, which is below the industry midpoint. Overall, First Fedreal Of South Carolina Federalvings Bank has a GF Score™ of 51/100 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 EV-to-OCF compare to EWSB and CARV?
According to the Banks industry distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #752 out of 1486 companies for EV-to-OCF. This places First Fedreal Of South Carolina Federalvings Bank in the lower half of its industry. The industry median EV-to-OCF is 4.03. First Fedreal Of South Carolina Federalvings Bank's value of 4.19 is 4.1% above this benchmark. While the company's 10-year median is 4.32 vs. the industry median of 4.03, First Fedreal Of South Carolina Federalvings Bank 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.03, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF of 4.19 is 4.1% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.03 — 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 EV-to-OCF is 4.19, which is near median its own 10-year median of 4.32. 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 $15.92, compared to a current price of $10.90 — trading 31.5% below its estimated fair value. The current EV-to-OCF is 4.19, which is near median its 10-year median of 4.32 and 4.1% above the Banks industry median of 4.03. First Fedreal Of South Carolina Federalvings Bank's overall GF Score™ is 51/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Fedreal Of South Carolina Federalvings Bank (FSGB), the current EV-to-OCF is 4.19 as of Sep. 10, 2026. 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 31.5% below its estimated GF Value™ of $15.92.
GuruFocus considers First Fedreal Of South Carolina Federalvings Bank to be Significantly Undervalued.
Key valuation signals for FSGB:
EV-to-OCF: 4.19 (near median its 10-year median of 4.32)
GF Value™: $15.92 vs. price of $10.90 (31.5% below fair value)
Industry Position: 4.1% above the Banks median (#752 of 1486)
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.
51GF Score
Get the complete analysis for FSGB
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FSGB has been successfully added to your 
