FSBH (FSBH) ROE % Adjusted to Book Value: 6.46% (As of Dec. 2025)


FSBH FSBH Corp FSBH
52 GF Score
Price $16.26
GF Value $10.07
Valuation Significantly Overvalued
! 2 Warning Signs
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What is FSBH ROE % Adjusted to Book Value?

FSBH FSBH +0.06% 52 ROE % Adjusted to Book Value is 6.46% as of Dec. 2025. 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.

FSBH's ROE % for the quarter that ended in Dec. 2025 was 10.07%. FSBH's PB Ratio for the quarter that ended in Dec. 2025 was 1.56. FSBH's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 6.46%.

FSBH ROE % Adjusted to Book Value Related Terms

FSBH ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for FSBH's ROE % Adjusted to Book Value 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.

FSBH ROE % Adjusted to Book Value Chart

FSBH Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 12.87 6.03 9.30 11.18 6.46

FSBH Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial 12.87 6.03 9.30 11.18 6.46

FSBH vs TCBS, GVYB, DENI: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, FSBH's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, FSBH's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where FSBH's ROE % Adjusted to Book Value falls into.


FSBH
52GF Score
FSBH Corp FSBH
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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FSBH ROE % Adjusted to Book Value Calculation

FSBH's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.07% / 1.56
=6.46%

FSBH's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.07% / 1.56
=6.46%

* 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.

What does a ROE % Adjusted to Book Value of 6.46% mean?
FSBH (FSBH) has a ROE % Adjusted to Book Value of 6.46% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on FSBH and its competitors.
Is FSBH's ROE % Adjusted to Book Value too high?
FSBH's current ROE % Adjusted to Book Value is 6.46%. 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 ROE % Adjusted to Book Value compare to TCBS and GVYB?
FSBH's ROE % Adjusted to Book Value of 6.46% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on FSBH and its competitors. FSBH's current ROE % Adjusted to Book Value is 6.46%. 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 ROE % Adjusted to Book Value is 6.46%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For FSBH (FSBH), the current ROE % Adjusted to Book Value is 6.46% 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:

  • ROE % Adjusted to Book Value: 6.46%
  • GF Value™: $10.07 vs. price of $16.26 (61.5% above fair value)
  • GF Score™: 52/100 with 2 warning signs

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 Business Description

Address 1825 Manatee Avenue West, Bradenton, FL, USA, 34205
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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.26
Price
$10.07
GF Value