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First Southern Bank (FSBH) fair value: what the stock is really worth

As of Sep 18, 2026: fair value of First Southern Bank $11.36, price $16.71, upside -32.0%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · US · ISIN US30325F1012

FS First Southern Bank logo Some data Sep 24, 2026

First Southern Bank

FSBH · US

Weak valuationQuality is weak on top of the rich price.

!Fair value $11.36 · Overvalued (−32%)
!Quality 50/100
!Mixed Growth (revenue 3y +27.6 %/yr)
✓Solidly profitable · 16.9% net margin (FY2024)
✓generates free cash flow
!Trails peers (1/11)
!Moderate moat 49/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$16.71 $6.47 Fair Value $11.36 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $6.47 – $16.71 · fair‑value band $8.52 – $14.20 · the $16.71 price screens above the $11.36 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

FSBH Corp. operates as the bank holding company for First Southern Bank that provides banking services for individuals and corporate customers.

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FSBH Corp. operates as the bank holding company for First Southern Bank that provides banking services for individuals and corporate customers. The company offers checking, money market, savings, and certificates of deposit/IRAs, as well as overdrafts; and personal loan products, such as consumer, personal lines of credit, construction, mortgage, mobile home, home equity, and CD secured loans. It also provides commercial, commercial real estate, small business, agriculture, line of credit, and equipment loans; and ACH cash management, business online banking and bill pay, remote deposit capture, eStatement, merchant, and online cash management services. In addition, the company offers money transfer and payment, as well as mobile and telephone banking services, as well as credit cards and insurance. It operates 5 branches serving the areas of Southern Georgia and West Central Florida. The company was founded in 1907 and is based in Bradenton, Florida.

Stock analysis

First Southern Bank (FSBH) currently trades at $16.71, while our model-based Fair Value estimate is $11.36, implying the stock looks roughly 47.1% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $10.01 per share, and 0 of the 4 models we run sit above the $16.71 price.

Bear case: the Asset-Based group reads lowest at $6.08, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $8.52 (bear) to $14.20 (bull), the price of $16.71 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

First Southern Bank reported revenue of $13.7M in FY2024 versus $7.6M in FY2020, a compound +15.9%/yr. Reported net income was $2.3M in FY2024, compounding +93.8%/yr from FY2020. FY2020 was a trough year, so the rate overstates the trend.

Key figures

Market cap $50.3M · P/E ratio 17.2 · P/S ratio 2.91 · EPS (TTM) $0.9700 · Net margin 16.9% · Return on assets (EBIT) 0.6% · Free cash flow $2.4M · Net cash $23.1M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 69% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −32%, FSBH screens cheaper than that median.

Fair Value models

Bear $8.52 Fair Value $11.36 Bull $14.20
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2024 figures (about 12 months old). Earnings retained since then ($0.9700 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income $6.88 $7.14 $7.27 71
P/E Multiple $7.51 $10.01 $12.51 63
P/B Multiple $9.53 $12.71 $15.89 55
All 4 models by family
Multiples
P/E Multiple $7.51 $10.01 $12.51 63
P/B Multiple $9.53 $12.71 $15.89 55
Asset-Based
NCAV (Graham) $4.54 $6.08 $9.08 51
Economic Profit
Residual Income $6.88 $7.14 $7.27 71

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Quality Score breakdown

Overall quality 50/100

Of which business quality 47 · Market factors (momentum, volatility) 66

Profitability 29
Margins and returns on capital today
Quality Growth 59
Are margins and returns improving?
Cashflow 70
Earnings quality: real cash, not paper profit
Fin. Strength 25
Balance sheet, leverage, solvency risk
Investment 72
Disciplined investing over empire-building
Low Volatility 38
Calm price path (market factor)
Momentum 66
Price trend over the last 3–12 months (market factor)
52W Momentum 100
Distance to the 52-week high (market factor)
Net Issuance 44
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+63.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+63.4%
Dividend (yield on the price)0.0%
Profit margin 2019 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−18% → 24%

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+5.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +3.0% a year for the price.

FSBH screens 47% overvalued. Compare with DBS Group →

Compare First Southern Bank with another stock

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks

Beats the industry median on 1/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside −32% · Below median
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) 17% · Bottom 25%
Operating margin (TTM) 0% · Bottom 25%
Growth and dividend
Revenue growth 0% · Bottom 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 17.2× · Priciest 25%
P/B 1.84× · Priciest 25%
P/FCF 20.9× · Priciest 25%
EV/EBITDA 8.6× · Cheaper than median

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.48 SGD 40.39 SGD −48%
China Merchants Bank Co 3968 HK$51.20 HK$62.32 +22%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Intesa Sanpaolo S.p.A ISP €6.72 €4.04 −40%
Mizuho Financial Group MFG $10.56 $6.79 −36%
BNP Paribas SA BNP €98.43 €105.99 +8%
HDFC Bank Limited HDFCBANK ₹728.90 ₹406.44 −44%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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First Southern Bank · Fair Value
$11.36 −47%Fair Value
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Cite: Fair Value Calculator (2026). "First Southern Bank Fair Value". https://www.fairvalue-calculator.com/stock/FSBH

Frequently asked questions

Is First Southern Bank (FSBH) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $11.36 versus the last price from Sep 18, 2026 of $16.71, about −32% upside (overvalued).
What is the fair value of FSBH?
Our model-based fair value for First Southern Bank is $11.36 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 18, 2026): $16.71.
What is the quality score of FSBH?
First Southern Bank has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for First Southern Bank (FSBH)?
Our model-based price target is the fair value of $11.36 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $8.52, optimistic scenario $14.20. It is a calculation from audited fundamentals, not an analyst target.
What is the First Southern Bank stock forecast for 2026?
Our models put fair value at $11.36, about −32% upside versus the last price from Sep 18, 2026 of $16.71 (overvalued). Cautious scenario $8.52, optimistic scenario $14.20. The calculation is refreshed regularly with new filings.
What growth is priced into First Southern Bank (FSBH)?
For today's price to be fair in a discounted-cash-flow model, First Southern Bank would have to grow free cash flow by +5.4 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +17.5 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of FSBH use?
Our models discount First Southern Bank at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For First Southern Bank that is +5.4 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has First Southern Bank (FSBH) delivered so far?
Over the past 5 years revenue at First Southern Bank grew +17.5 % a year. The price currently implies +5.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of First Southern Bank (FSBH) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into First Southern Bank (+5.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of First Southern Bank (FSBH)?
The free-cash-flow yield on the price is 4.78 %: that much free cash flow First Southern Bank produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of First Southern Bank (FSBH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For First Southern Bank it is $11.36 per share (as of Sep 24, 2026), against a price of $16.71. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is First Southern Bank stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FSBH trades above its calculated fair value: price $16.71, fair value $11.36, a gap of about −32% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FSBH?
No. The price is what the market pays today ($16.71); the fair value is what the company's own numbers justify ($11.36). For First Southern Bank the two are $5.35 per share apart. That gap is exactly why we show both numbers side by side.
How much is First Southern Bank worth?
The market values First Southern Bank at about $50.3M (market capitalisation, as of Sep 24, 2026). Per share that is $16.71; our models calculate a fair value of $11.36 per share.
What do the bullish and bearish scenarios say about FSBH?
Our models span a range for First Southern Bank: cautious scenario $8.52, base $11.36, optimistic $14.20 per share (as of Sep 24, 2026, price $16.71). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FSBH?
First Southern Bank trades at a price-to-earnings ratio of 17.2 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $11.36 is built from several models across several years. Other multiples: P/B 1.8, EV/EBITDA 8.6.
How far is FSBH from its 52-week high?
First Southern Bank trades at $16.71, at its 52-week high of $16.71 and 69% above the low of $9.90 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $11.36 is for.
Which stocks are comparable to First Southern Bank?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is First Southern Bank stock attractive at the current price?
The data as of Sep 24, 2026: price $16.71, calculated fair value $11.36 (−32%), Quality Score 50/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FSBH calculated?
We run First Southern Bank through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $11.36, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. First Southern Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of First Southern Bank (FSBH)?
The latest price we hold is from Sep 18, 2026 and stands at $16.71. Our model-based fair value is $11.36, about −32% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with First Southern Bank right now?
The price sits above even our optimistic bull case ($14.20). The favourable scenario is already priced in. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of First Southern Bank

How large is the market capitalisation of First Southern Bank (FSBH)?
The market capitalisation of First Southern Bank is $50.3M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of First Southern Bank (FSBH)?
The price-to-sales ratio of First Southern Bank is 2.91 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of First Southern Bank (FSBH)?
Earnings per share at First Southern Bank are $0.9700 (price ÷ EPS = P/E 17.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of First Southern Bank (FSBH)?
The net margin of First Southern Bank is 16.9% (fiscal year 2024). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of First Southern Bank (FSBH)?
On an EBIT basis the return on assets of First Southern Bank is 0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much net cash does First Southern Bank (FSBH) hold?
First Southern Bank holds more cash than debt, $23.1M net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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