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1st Federal Savings Bank of SC, Inc (FSGB) Fair Value & Analysis

Financial Services · US · Market cap $9.8M

Price$9.70
Fair Value$10.54
Upside+8.7%
Quality95/100
Evidence: High Range $7.91 – $13.18

Fair value as of: Jun 26, 2026

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Analysis

1st Federal Savings Bank of SC, Inc (FSGB) currently trades at $9.70, while our model-based Fair Value estimate is $10.54 — implying the stock looks roughly 8.7% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

1st Federal Savings Bank of SC, Inc. provides various banking products and services. It offers personal and business checking, savings, and individual retirement accounts, as well as certificates of deposit; check reorder, debit card, overdraft protection, automated telephone teller, wire transfer, night deposit drop, safe deposit box, direct deposit, and automatic transfer services; and online banking services. The company also provides mortgage, consumer, and commercial loans; and Kasasa products. 1st Federal Savings Bank of SC, Inc. was founded in 1962 and is based in Walterboro, South Carolina.1st Federal Savings Bank of SC, Inc. operates as a subsidiary of First Carolina Bancshares, M.H.C.

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Frequently asked questions

Is 1st Federal Savings Bank of SC, Inc (FSGB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $10.54 versus a price of $9.70 — about +9% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FSGB?
Our 21-model fair value for 1st Federal Savings Bank of SC, Inc is $10.54 (as of Jun 26, 2026), built from audited fundamentals. The current price is $9.70.
What is the quality score of FSGB?
1st Federal Savings Bank of SC, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.