FSBHFSBH +0.06%52 FCF Margin % is 9.16% as of Dec. 2025, which is at its 10-year median of 9.16. GuruFocus rates FSBH with a GF Score™ of 52/100 and a GF Value™ of $10.07 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,505 Banks companies, FSBH ranks worse than 67.57% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. FSBH's Free Cash Flow for the
six
months ended in Dec. 2025 was $1.43 Mil. FSBH's Revenue for the
six
months ended in Dec. 2025 was $15.58 Mil. Therefore, FSBH's FCF Margin % for the quarter that ended in Dec. 2025 was 9.16%.
The historical rank and industry rank for FSBH's FCF Margin % or its related term are showing as below:
FSBH'
s FCF Margin % Range Over the Past 10 Years
Min: -18.02 Med: 9.16 Max: 20.19
Current: 9.16
During the past 7 years, the highest FCF Margin % of FSBH was 20.19%. The lowest was -18.02%. And the median was 9.16%.
FSBH's FCF Margin % is ranked worse than 67.57% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs FSBH: 9.16
FSBH FCF Margin % Related Terms
FSBH FCF Margin % Historical Data
* Premium members only.
The historical data trend for FSBH's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FSBH's FCF Margin % distribution charts can be found below:
* The bar in red indicates where FSBH's FCF Margin % falls into.
* 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 FCF Margin % of 9.16% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FSBH and its competitors. This is near median its historical median of 9.16. According to the industry distribution chart, FSBH ranks #1017 out of 1505 companies in the Banks industry, placing it in the top 67.6%.
Is FSBH's FCF Margin % too high?
FSBH's current FCF Margin % of 9.16% is near median its 10-year median of 9.16. The Banks industry median FCF Margin % is 26.42. FSBH's value of 9.16% is 65.3% below this industry median. Based on the distribution chart, FSBH ranks #1017 out of 1505 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to TCBS and GVYB?
According to the Banks industry distribution chart, FSBH ranks #1017 out of 1505 companies for FCF Margin %. This places FSBH in the lower half of its industry. The industry median FCF Margin % is 26.42. FSBH's value of 9.16% is 65.3% below this benchmark. While the company's 10-year median is 9.16 vs. the industry median of 26.42, FSBH 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSBH's current FCF Margin % of 9.16% is 65.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FSBH and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSBH's current FCF Margin % is 9.16%, which is near median its own 10-year median of 9.16. 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 $10.07, compared to a current price of $16.26 — trading 61.5% above its estimated fair value. The current FCF Margin % is 9.16%, which is near median its 10-year median of 9.16 and 65.3% below the Banks industry median of 26.42. FSBH's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For FSBH (FSBH), the current FCF Margin % is 9.16% 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 FSBH (FSBH) Overvalued in 2026?
Based on GuruFocus' analysis, FSBH stock appears to be overvalued.
The current stock price of $16.26 is trading 61.5% above its estimated GF Value™ of $10.07.
GuruFocus considers FSBH to be Significantly Overvalued.
Key valuation signals for FSBH:
FCF Margin %: 9.16% (near median its 10-year median of 9.16)
GF Value™: $10.07 vs. price of $16.26 (61.5% above fair value)
Industry Position: 65.3% below the Banks median (#1017 of 1505)
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
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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