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FSGB's PB Ratio is ranked better than 73.01% of 1504
companies
in the Banks industry
Industry Median: 1.11
vs FSGB: 0.84
During the past 12 months, First Fedreal Of South Carolina Federalvings Bank's average Book Value Per Share Growth Rate was 6.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.00% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of First Fedreal Of South Carolina Federalvings Bank was 11.30% per year. The lowest was 1.30% per year. And the median was 2.55% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
First Fedreal Of South Carolina Federalvings Bank PB Ratio Related Terms
First Fedreal Of South Carolina Federalvings Bank PB Ratio 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 PB Ratio 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 PB Ratio vs Banks Industry
First Fedreal Of South Carolina Federalvings Bank PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
First Fedreal Of South Carolina Federalvings Bank (FSGB) has a PB Ratio of 0.84 as of Sep. 10, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Fedreal Of South Carolina Federalvings Bank and its competitors. This is 35% below median its historical median of 1.30. Over the past decade, First Fedreal Of South Carolina Federalvings Bank's PB Ratio has ranged from 0.73 to 2.97. According to the industry distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #406 out of 1504 companies in the Banks industry, placing it in the top 27%.
Is First Fedreal Of South Carolina Federalvings Bank's PB Ratio too high?
First Fedreal Of South Carolina Federalvings Bank's current PB Ratio of 0.84 is 35% below median its 10-year median of 1.30. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 2.97. The Banks industry median PB Ratio is 1.11. First Fedreal Of South Carolina Federalvings Bank's value of 0.84 is 24.3% below this industry median. Based on the distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #406 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, First Fedreal Of South Carolina Federalvings Bank has a GF Score™ of 51/100 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 PB Ratio compare to EWSB and CARV?
According to the Banks industry distribution chart, First Fedreal Of South Carolina Federalvings Bank ranks #406 out of 1504 companies for PB Ratio. This puts First Fedreal Of South Carolina Federalvings Bank in the upper half of its industry. The industry median PB Ratio is 1.11. First Fedreal Of South Carolina Federalvings Bank's value of 0.84 is 24.3% below this benchmark. Historically, First Fedreal Of South Carolina Federalvings Bank's own PB Ratio has ranged from 0.73 to 2.97 over the past decade. While the company's 10-year median is 1.30 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio 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 PB Ratio of 0.84 is 24.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Fedreal Of South Carolina Federalvings Bank and its competitors. For the Banks industry, the median PB Ratio is 1.11 — 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 PB Ratio is 0.84, which is 35% below median its own 10-year median of 1.30. 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 $15.92, compared to a current price of $10.90 — trading 31.5% below its estimated fair value. The current PB Ratio is 0.84, which is 35% below median its 10-year median of 1.30 and 24.3% below the Banks industry median of 1.11. First Fedreal Of South Carolina Federalvings Bank's overall GF Score™ is 51/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For First Fedreal Of South Carolina Federalvings Bank (FSGB), the current PB Ratio is 0.84 as of Sep. 10, 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 $10.90 is trading 31.5% below its estimated GF Value™ of $15.92.
GuruFocus considers First Fedreal Of South Carolina Federalvings Bank to be Significantly Undervalued.
Key valuation signals for FSGB:
PB Ratio: 0.84 (35% below median its 10-year median of 1.30)
GF Value™: $15.92 vs. price of $10.90 (31.5% below fair value)
Industry Position: 24.3% below the Banks median (#406 of 1504)
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 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.
51GF Score
Get the complete analysis for FSGB
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