OTC · Banks - Regional

FSBH Corp. (FSBH) Stock

$16.60 +0.00% OTC: FSBH Financial Services

FSBH Corp. serves as the parent company for First Southern Bank, which delivers a comprehensive suite of financial services to individual consumers and business clients alike.

Valuation

MetricValue
Price$16.60
Market Cap$49.95M
P/E Ratio21.56
P/B Ratio1.82
P/S Ratio3.64
EPS (TTM)$0.77
52-Week High$16.60
52-Week Low$8.30
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE8.94%
ROA0.74%
ROCE11.34%
Gross Margin100.00%
Operating Margin23.60%
Net Margin16.89%
Debt/Equity0.00
Current Ratio0.08

Annual Financials (USD)

Metric20202021202220232024
Revenue$8.0M$10.0M$11.0M$16.0M$14.0M
Operating Profit$0$1.0M$2.0M$3.0M$3.0M
Net Profit$0$3.0M$2.0M$2.0M$2.0M
EPS$0.07$1.18$0.57$0.67$0.77
Op Margin2.4%10.8%17.8%16.8%23.6%

Balance Sheet (USD)

Metric20202021202220232024
Total Assets$205.0M$290.0M$308.0M$307.0M$314.0M
Total Liabilities$187.0M$270.0M$286.0M$282.0M$287.0M
Cash$38.0M$81.0M$53.0M$24.0M$23.0M
Borrowings$0$0$0$0$0

Cash Flow (USD)

Metric20202021202220232024
Operating Cash Flow$0$1.0M$2.0M$3.0M$3.0M
Investing Cash Flow$-80.0M$-87.0M$-21.0M$0$-8.0M
Financing Cash Flow$79.0M$83.0M$15.0M$-4.0M$5.0M
Net Cash Flow$0$0$1.0M$0$1.0M
Free Cash Flow$-1.0M$-1.0M$1.0M$3.0M$2.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.22
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y100.72%
Return 3Y118.92%
Return 5Y84.44%

Ownership

Insiders Held0.00%
Institutions Held12.48%
Institutions Float Held12.48%
Institutional HolderSharesReport Date
Cutler Capital Management, LLC240,0002026-03-31
BANC FUNDS CO LLC135,2502026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMFCAMB Financial Corp. $34.55 +0.14% 8.47 $30.75M 0.81%
BKUTKBank of Utica $630.51 +0.00% 4.85 $157.87M 3.09%
CNBZCNB Corporation $28.49 +0.00% 8.74 $34.49M 3.51%
ELMAElmer Bancorp, Inc. $27.00 +2.86% 10.98 $31.09M 1.48%
FBPAThe Farmers Bank of Appomattox $30.18 +0.00% 9.96 $32.72M 4.31%

About FSBH Corp.

FSBH Corp. serves as the parent company for First Southern Bank, which delivers a comprehensive suite of financial services to individual consumers and business clients alike. The bank's offerings include a variety of deposit accounts such as checking, money market, savings, and certificates of deposit (CDs) or IRAs, alongside overdraft facilities. For personal finance needs, it provides diverse loan products, spanning consumer loans, personal lines of credit, construction, mortgage, mobile home, home equity, and CD-secured options. First Southern Bank also supports businesses with a range of lending solutions, including commercial, commercial real estate, small business, agriculture, equipment, and lines of credit. Additionally, it furnishes corporate clients with vital services like ACH cash management, online banking with bill payment, remote deposit capture, eStatements, merchant services, and robust online cash management tools. Further expanding its service portfolio, the company facilitates money transfers and payments, offers convenient mobile and telephone banking, and provides both credit cards and insurance products. The bank operates five physical branches, catering to communities across Southern Georgia and West Central Florida. Founded in 1907, FSBH Corp. maintains its principal offices in Waycross, Georgia.

FSBH Corp. is headquartered in US.

FSBH Corp. (FSBH) stock trades at $16.60 with a market capitalization of $49.95M. The stock is valued at a price-to-earnings (P/E) ratio of 21.56, price-to-book of 1.82, price-to-sales of 3.64. Over the past 52 weeks the stock has ranged between $8.30 and $16.60, and currently trades at its 52-week high.

On profitability, FSBH Corp. generates a return on equity (ROE) of 8.94%, return on capital employed of 11.34%, an operating margin of 23.60%, a net profit margin of 16.89%.

Official website: www.fsb-bank.bank

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