FSBHFSBH +0.06%52 ROE % is 10.07% as of Dec. 2025, which is 16% above its 10-year median of 8.65. 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 1,524 Banks companies, FSBH ranks worse than 51.31% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. FSBH's annualized net income for the quarter that ended in Dec. 2025 was $2.93 Mil. FSBH's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $29.09 Mil. Therefore, FSBH's annualized ROE % for the quarter that ended in Dec. 2025 was 10.07%.
The historical rank and industry rank for FSBH's ROE % or its related term are showing as below:
FSBH'
s ROE % Range Over the Past 10 Years
Min: -6.33 Med: 8.65 Max: 15.44
Current: 10.07
During the past 7 years, FSBH's highest ROE % was 15.44%. The lowest was -6.33%. And the median was 8.65%.
FSBH's ROE % is ranked worse than 51.31% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs FSBH: 10.07
FSBH (OTCPK:FSBH) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
FSBH ROE % Related Terms
FSBH ROE % Historical Data
* Premium members only.
The historical data trend for FSBH's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, FSBH's ROE % distribution charts can be found below:
* The bar in red indicates where FSBH's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
FSBH (FSBH) has a ROE % of 10.07% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FSBH and its competitors. This is 16% above median its historical median of 8.65. According to the industry distribution chart, FSBH ranks #782 out of 1524 companies in the Banks industry, placing it in the top 51.3%.
Is FSBH's ROE % too high?
FSBH's current ROE % of 10.07% is 16% above median its 10-year median of 8.65. The Banks industry median ROE % is 10.22. FSBH's value of 10.07% is 1.5% below this industry median. Based on the distribution chart, FSBH ranks #782 out of 1524 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 ROE % compare to TCBS and GVYB?
According to the Banks industry distribution chart, FSBH ranks #782 out of 1524 companies for ROE %. This places FSBH in the lower half of its industry. The industry median ROE % is 10.22. FSBH's value of 10.07% is 1.5% below this benchmark. While the company's 10-year median is 8.65 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSBH's current ROE % of 10.07% is 1.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FSBH and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSBH's current ROE % is 10.07%, which is 16% above median its own 10-year median of 8.65. 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 % is 10.07%, which is 16% above median its 10-year median of 8.65 and 1.5% below the Banks industry median of 10.22. 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 % calculated?
ROE % is calculated from a company's financial statements. For FSBH (FSBH), the current ROE % is 10.07% 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 %: 10.07% (16% above median its 10-year median of 8.65)
GF Value™: $10.07 vs. price of $16.26 (61.5% above fair value)
Industry Position: 1.5% below the Banks median (#782 of 1524)
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
Get the complete analysis for FSBH
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