FSBH (FSBH) Scaled Net Operating Assets: 0.06 (As of Dec. 2025)


FSBH FSBH Corp FSBH
52 GF Score
Price $16.26
GF Value $10.07
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is FSBH Scaled Net Operating Assets?

FSBH FSBH +0.06% 52 Scaled Net Operating Assets is 0.06 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

FSBH's operating assets for the quarter that ended in Dec. 2025 was $314.82 Mil. FSBH's operating liabilities for the quarter that ended in Dec. 2025 was $296.88 Mil. FSBH's Total Assets for the quarter that ended in Dec. 2024 was $314.23 Mil. Therefore, FSBH's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.06.

FSBH
52GF Score
FSBH Corp FSBH
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

FSBH Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

FSBH's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(314.822-296.876)/314.225
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=327.738 - 12.916
=314.822

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=296.876 - 0 - 0
=296.876

FSBH's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(314.822-296.876)/314.225
=0.06

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=327.738 - 12.916
=314.822

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=296.876 - 0 - 0
=296.876

* 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 Scaled Net Operating Assets of 0.06 mean?
FSBH (FSBH) has a Scaled Net Operating Assets of 0.06 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on FSBH and its competitors.
Is FSBH's Scaled Net Operating Assets too high?
FSBH's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets compare to TCBS and GVYB?
FSBH's Scaled Net Operating Assets of 0.06 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on FSBH and its competitors. FSBH's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For FSBH (FSBH), the current Scaled Net Operating Assets is 0.06 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:

  • Scaled Net Operating Assets: 0.06
  • 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.26
Price
$10.07
GF Value