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FSGB'
s Net Margin % Range Over the Past 10 Years
Min: 7.82 Med: 12.52 Max: 20.53
Current: 12.52
FSGB's Net Margin % is ranked worse than 85.46% of 1527
companies
in the Banks industry
Industry Median: 27.06
vs FSGB: 12.52
First Fedreal Of South Carolina Federalvings Bank (OTCPK:FSGB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
First Fedreal Of South Carolina Federalvings Bank Net Margin % Related Terms
First Fedreal Of South Carolina Federalvings Bank Net Margin % 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 Net Margin % 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 Net Margin % 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 Net Margin % of 12.52% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on First Fedreal Of South Carolina Federalvings Bank and its competitors. This is near median its historical median of 12.52. Over the past decade, First Fedreal Of South Carolina Federalvings Bank's Net Margin % has ranged from 7.82 to 20.53. According to the industry distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #1305 out of 1527 companies in the Banks industry, placing it in the top 85.5%.
Is First Fedreal Of South Carolina Federalvings Bank's Net Margin % too high?
First Fedreal Of South Carolina Federalvings Bank's current Net Margin % of 12.52% is near median its 10-year median of 12.52. Over the past 10 years, this metric has ranged from a low of 7.82 to a high of 20.53. The Banks industry median Net Margin % is 27.06. First Fedreal Of South Carolina Federalvings Bank's value of 12.52% is 53.7% below this industry median. Based on the distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #1305 out of 1527 companies in the Banks industry, which is in the bottom quartile 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 Margin % compare to CARV and EWSB?
According to the Banks industry distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #1305 out of 1527 companies for Net Margin %. This places First Fedreal Of South Carolina Federalvings Bank in the lower half of its industry. The industry median Net Margin % is 27.06. First Fedreal Of South Carolina Federalvings Bank's value of 12.52% is 53.7% below this benchmark. Historically, First Fedreal Of South Carolina Federalvings Bank's own Net Margin % has ranged from 7.82 to 20.53 over the past decade. While the company's 10-year median is 12.52 vs. the industry median of 27.06, First Fedreal Of South Carolina Federalvings Bank 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % of 12.52% is 53.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on First Fedreal Of South Carolina Federalvings Bank and its competitors. For the Banks industry, the median Net Margin % is 27.06 — 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 Net Margin % is 12.52%, which is near median its own 10-year median of 12.52. 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 Margin % is 12.52%, which is near median its 10-year median of 12.52 and 53.7% below the Banks industry median of 27.06. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For First Fedreal Of South Carolina Federalvings Bank (FSGB), the current Net Margin % is 12.52% 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:
Net Margin %: 12.52% (near median its 10-year median of 12.52)
GF Value™: $15.73 vs. price of $9.70 (38.3% below fair value)
Industry Position: 53.7% below the Banks median (#1305 of 1527)
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
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
Get the complete analysis for FSGB
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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