FSGB (First Fedreal Of South Carolina Federalvings Bank) Net Debt Paydown Yield % : 68.20% (As of Jul. 27, 2026) — 39% Above Median

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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 Net Debt Paydown Yield %?

First Fedreal Of South Carolina Federalvings Bank FSGB 60 Net Debt Paydown Yield % is 68.20% as of Jul. 27, 2026, which is 39% above its 10-year median of 49.21. GuruFocus rates FSGB with a GF Score™ of 60/100 and a GF Value™ of $15.73 (Significantly Undervalued). Among 1,417 Banks companies, First Fedreal Of South Carolina Federalvings Bank ranks better than 97.67% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, First Fedreal Of South Carolina Federalvings Bank's Net Debt Paydown Yield % was 68.20%.


First Fedreal Of South Carolina Federalvings Bank  (OTCPK:FSGB) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


First Fedreal Of South Carolina Federalvings Bank Net Debt Paydown Yield % Related Terms


First Fedreal Of South Carolina Federalvings Bank Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for First Fedreal Of South Carolina Federalvings Bank's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart

First Fedreal Of South Carolina Federalvings Bank Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial 0.00 0.00 -151.70 135.41 69.29

First Fedreal Of South Carolina Federalvings Bank Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield % Get a 7-Day Free Trial 0.00 0.00 -151.70 135.41 69.29

FSGB vs CARV, EWSB, SRNN: Net Debt Paydown Yield % Comparison

For the Banks - Regional subindustry, First Fedreal Of South Carolina Federalvings Bank's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, First Fedreal Of South Carolina Federalvings Bank's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where First Fedreal Of South Carolina Federalvings Bank's Net Debt Paydown Yield % falls into.


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

First Fedreal Of South Carolina Federalvings Bank's Net Debt Paydown Yield % for the quarter that ended in Dec. 2025 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 8.83-2.13 )/9.6689837
=69.29 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of 68.20% mean?
First Fedreal Of South Carolina Federalvings Bank (FSGB) has a Net Debt Paydown Yield % of 68.20% as of Jul. 27, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on First Fedreal Of South Carolina Federalvings Bank and its competitors. This is 39% above median its historical median of 49.21. According to the industry distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #33 out of 1417 companies in the Banks industry, placing it in the top 2.3%.
Is First Fedreal Of South Carolina Federalvings Bank's Net Debt Paydown Yield % too high?
First Fedreal Of South Carolina Federalvings Bank's current Net Debt Paydown Yield % of 68.20% is 39% above median its 10-year median of 49.21. Based on the distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #33 out of 1417 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Debt Paydown Yield % compare to CARV and EWSB?
According to the Banks industry distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #33 out of 1417 companies for Net Debt Paydown Yield %. This places First Fedreal Of South Carolina Federalvings Bank in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on First Fedreal Of South Carolina Federalvings Bank and its competitors. First Fedreal Of South Carolina Federalvings Bank's current Net Debt Paydown Yield % is 68.20%, which is 39% above median its own 10-year median of 49.21. 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 Net Debt Paydown Yield % is 68.20%, which is 39% above median its 10-year median of 49.21. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For First Fedreal Of South Carolina Federalvings Bank (FSGB), the current Net Debt Paydown Yield % is 68.20% as of Jul. 27, 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 $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:

  • Net Debt Paydown Yield %: 68.20% (39% above median its 10-year median of 49.21)
  • 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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Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.70
Price
$15.73
GF Value