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FSBHFSBH 52 EV-to-FCF is 25.74 as of Jul. 14, 2026, which is 1451% above its 10-year median of 1.66. 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 1,199 Banks companies, FSBH ranks worse than 86.41% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, FSBH's Enterprise Value is $36.74 Mil.
FSBH's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1.43 Mil. Therefore, FSBH's EV-to-FCF for today is 25.74.
The historical rank and industry rank for FSBH's EV-to-FCF or its related term are showing as below:
FSBH'
s EV-to-FCF Range Over the Past 10 Years
Min: -27.61 Med: 1.66 Max: 54.63
Current: 25.74
During the past 7 years, the highest EV-to-FCF of FSBH was 54.63. The lowest was -27.61. And the median was 1.66.
FSBH's EV-to-FCF is ranked worse than 86.41% of 1199
companies
in the Banks industry
Industry Median: 6.57
vs FSBH: 25.74
EV-to-FCF 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.
As of today (2026-07-14), FSBH's stock price is $16.50.
FSBH's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.970. Therefore, FSBH's PE Ratio (TTM) for today is 17.01.
FSBH (OTCPK:FSBH) EV-to-FCF Explanation
EV-to-FCF 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.
FSBH's share price for today is $16.50.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FSBH's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.970.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
FSBH EV-to-FCF Related Terms
FSBH EV-to-FCF Historical Data
* Premium members only.
The historical data trend for FSBH's EV-to-FCF 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.
For the Banks - Regional subindustry, FSBH's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, FSBH's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where FSBH's EV-to-FCF falls into.
FSBH's current Enterprise Value is $36.74 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FSBH's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1.43 Mil.
* 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 EV-to-FCF of 25.74 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FSBH and its competitors. This is 1451% above median its historical median of 1.66. According to the industry distribution chart, FSBH ranks #1036 out of 1199 companies in the Banks industry, placing it in the top 86.4%.
Is FSBH's EV-to-FCF too high?
FSBH's current EV-to-FCF of 25.74 is 1451% above median its 10-year median of 1.66. The Banks industry median EV-to-FCF is 6.57. FSBH's value of 25.74 is 291.8% above this industry median. Based on the distribution chart, FSBH ranks #1036 out of 1199 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 EV-to-FCF compare to DENI and FGFI?
According to the Banks industry distribution chart, FSBH ranks #1036 out of 1199 companies for EV-to-FCF. This places FSBH in the lower half of its industry. The industry median EV-to-FCF is 6.57. FSBH's value of 25.74 is 291.8% above this benchmark. While the company's 10-year median is 1.66 vs. the industry median of 6.57, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSBH's current EV-to-FCF of 25.74 is 291.8% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FSBH and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSBH's current EV-to-FCF is 25.74, which is 1451% above median its own 10-year median of 1.66. 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 EV-to-FCF is 25.74, which is 1451% above median its 10-year median of 1.66 and 291.8% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For FSBH (FSBH), the current EV-to-FCF is 25.74 as of Jul. 14, 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 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:
EV-to-FCF: 25.74 (1451% above median its 10-year median of 1.66)
GF Value™: $10.12 vs. price of $16.50 (63% above fair value)
Industry Position: 291.8% above the Banks median (#1036 of 1199)
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
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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