Stock fact sheet · data as of
FSBH Corp. (FSBH): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is FSBH undervalued?
At 16.95 (close of 16 Oct 2026), FSBH trades 53% over the GLS average fair value of 11.07, with 1 of 7 models above the price. The stock earns none of the Wheel Score's Value points at this price. That is a statement about price against trailing fundamentals, not about the company's prospects - the Wall Street View and the Growth tab on the Quote page carry the forward numbers.
There is a wide gap between GLS Growth (2.85) and 10 Cap (22.02). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files FSBH under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for FSBH
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 12.59 | -26% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 12.46 | -26% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 3.09 | -82% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2.85 | -83% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 22.02 | +30% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 15.87 | -6% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 8.58 | -49% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -87.68 | -617% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
FSBH Corp. scores only 0 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability FSBH scores 6.7/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 8.5%, ROE 8.5%, ROA 0.7% - with debt at 0.00 times equity and a free-cash-flow yield of 4.7%.
FSBH Corp. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 0 / 9 | ROIC | 8.5% |
|---|---|---|---|
| GLS Moat | 6.7 / 10 | ROE | 8.5% |
| Debt / equity | 0.00 | ROA | 0.7% |
| Free-cash-flow yield | 4.7% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 16: No options
No options are listed on FSBH Corp. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 16) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 31k shares a day on a market cap of $51M, with a beta of -0.04 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -53% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 10 / 15 | moat 6.7/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 31k shares/day, $51M cap, beta -0.04 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for FSBH in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to FSBH Corp. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PNBI Pioneer Bankshares, Inc. | 50.26 | 117.55 | +57% | 39No options | $50M |
| PVBK Pacific Valley Bancorp | 9.30 | 9.92 | +6% | 38No options | $50M |
| CIZN Citizens Holding Company | 8.80 | 28.08 | +69% | 39No options | $50M |
| TBBC Triad Business Bank | 6.42 | 7.60 | +16% | 39No options | $52M |
| ADKT The Adirondack Trust Company | 650.25 | 4,296.67 | +85% | 39No options | $52M |
| ESBS ES Bancshares, Inc. | 7.60 | 9.26 | +18% | 39No options | $52M |
| TCBS Texas Community Bancshares, Inc. | 17.26 | 27.64 | +38% | 39No options | $50M |
| GVYB Golden Valley Bancshares, Inc. | 24.00 | 27.98 | +14% | 39No options | $53M |
| TMAK Touchmark Bancshares, Inc. | 10.99 | 13.08 | +16% | 39No options | $49M |
| HVLM Huron Valley Bancorp, Inc. | 56.05 | 66.11 | +15% | 36No options | $49M |
| CIBH CIB Marine Bancshares, Inc. | 39.00 | 44.58 | +13% | 39No options | $53M |
| FGFI First Greenwich Financial, Inc. | 20.00 | 17.82 | -12% | 20No options | $54M |
⚖ Compare FSBH with 7 of them All Financial Services stocks →
Screen the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the same eight-rule screen, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about FSBH
Is FSBH undervalued right now?
No: at 16.95 the stock trades 53% above the GLS average fair value of 11.07 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of FSBH and what does it mean?
FSBH has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for FSBH?
11.07 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does FSBH Corp. report earnings next?
No upcoming earnings date is recorded for FSBH in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does FSBH have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on FSBH, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.