FSBHFSBH +0.06%52 OCF Margin % is 23.64% as of Dec. 2025, which is 39% above its 10-year median of 17.03. 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 1,501 Banks companies, FSBH ranks worse than 59.09% on this metric.
OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. FSBH's Cash Flow from Operations for the
six
months ended in Dec. 2025 was $3.68 Mil. FSBH's Revenue for the
six
months ended in Dec. 2025 was $15.58 Mil. Therefore, FSBH's OCF Margin % for the quarter that ended in Dec. 2025 was 23.64%.
The historical rank and industry rank for FSBH's OCF Margin % or its related term are showing as below:
FSBH'
s OCF Margin % Range Over the Past 10 Years
Min: 2.25 Med: 17.03 Max: 23.64
Current: 23.64
During the past 7 years, the highest OCF Margin % of FSBH was 23.64%. The lowest was 2.25%. And the median was 17.03%.
FSBH's OCF Margin % is ranked worse than 59.09% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs FSBH: 23.64
FSBH OCF Margin % Related Terms
FSBH OCF Margin % Historical Data
* Premium members only.
The historical data trend for FSBH's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FSBH's OCF Margin % distribution charts can be found below:
* The bar in red indicates where FSBH's OCF 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 OCF Margin % of 23.64% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on FSBH and its competitors. This is 39% above median its historical median of 17.03. Over the past decade, FSBH's OCF Margin % has ranged from 2.25 to 23.64. According to the industry distribution chart, FSBH ranks #887 out of 1501 companies in the Banks industry, placing it in the top 59.1%.
Is FSBH's OCF Margin % too high?
FSBH's current OCF Margin % of 23.64% is 39% above median its 10-year median of 17.03. Over the past 10 years, this metric has ranged from a low of 2.25 to a high of 23.64. The Banks industry median OCF Margin % is 29.44. FSBH's value of 23.64% is 19.7% below this industry median. Based on the distribution chart, FSBH ranks #887 out of 1501 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 OCF Margin % compare to TCBS and GVYB?
According to the Banks industry distribution chart, FSBH ranks #887 out of 1501 companies for OCF Margin %. This places FSBH in the lower half of its industry. The industry median OCF Margin % is 29.44. FSBH's value of 23.64% is 19.7% below this benchmark. Historically, FSBH's own OCF Margin % has ranged from 2.25 to 23.64 over the past decade. While the company's 10-year median is 17.03 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSBH's current OCF Margin % of 23.64% is 19.7% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on FSBH and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSBH's current OCF Margin % is 23.64%, which is 39% above median its own 10-year median of 17.03. 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 OCF Margin % is 23.64%, which is 39% above median its 10-year median of 17.03 and 19.7% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For FSBH (FSBH), the current OCF Margin % is 23.64% 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:
OCF Margin %: 23.64% (39% above median its 10-year median of 17.03)
GF Value™: $10.07 vs. price of $16.26 (61.5% above fair value)
Industry Position: 19.7% below the Banks median (#887 of 1501)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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