Stock fact sheet · data as of
1st Federal Savings Bank of SC, Inc. (FSGB): fair value, margin of safety and Wheel Score
Ticker symbol FSGB · Financial Services · Banks - Regional · United States · Blend
Is FSGB undervalued?
1st Federal Savings Bank of SC, Inc. (FSGB) closed at 10.57 on 5 Nov 2026. The GLS average fair value - the simple average of the 2 valuation models that produced a positive number - is 14.85, so the price sits 29% below it. 1 of the 2 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.
Only 2 of the nine models produced a value (DCF, 10 Cap); the others need a dividend, positive free cash flow or positive book value the company does not have yet, so the average rests on a narrow base.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for FSGB, so the nightly engine files it under Blend (value score 57, growth score 55, out of 100).
Nine valuation models for FSGB
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 | 7.41 | -30% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 22.29 | +111% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -119.17 | -1227% | 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
No Piotroski health score is on file for FSGB (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. The GLS Moat score is low at 4.7 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
Returns on capital are moderate - ROIC 5.4%, ROE 6.2%, ROA 0.6% - with debt at 0.16 times equity and a free-cash-flow yield of 10.0%.
1st Federal Savings Bank of SC, Inc. 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 | - / 9 | ROIC | 5.4% |
|---|---|---|---|
| GLS Moat | 4.7 / 10 | ROE | 6.2% |
| Debt / equity | 0.16 | ROA | 0.6% |
| Free-cash-flow yield | 10.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 30: No options
FSGB has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (30 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 1k shares a day on a market cap of $11M, with a beta of 0.24 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $11M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 29% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 4.7/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.24, $11M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for FSGB 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 1st Federal Savings Bank of SC, Inc. 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 |
|---|---|---|---|---|---|
| LWCL Lewis & Clark Bancorp | 10.00 | 80.77 | +88% | 27No options | $11M |
| FNFI First Niles Financial, Inc. | 10.00 | 20.51 | +51% | 29No options | $11M |
| VERF Versailles Financial Corporation | 32.22 | 32.15 | -0% | 15No options | $11M |
| SBNY Signature Bank | 0.1800 | 612.25 | +100% | 31No options | $11M |
| LBNW Liberty Northwest Bancorp, Inc. | 5.80 | 17.57 | +67% | 28No options | $10M |
| GLBZ Glen Burnie Bancorp | 4.10 | 1.74 | -136% | 11No options | $12M |
| CARV Carver Bancorp, Inc. | 1.87 | - | - | 10No options | $10M |
| WCFB WCF Bancorp, Inc. | 6.49 | 0.7357 | -782% | 15No options | $12M |
| USMT US Metro Bancorp, Inc. | 6.15 | 7.94 | +23% | 28No options | $12M |
| SRNN The Southern Banc Company, Inc. | 16.21 | 32.98 | +51% | 33No options | $12M |
| ERKH Eureka Homestead Bancorp, Inc. | 12.85 | - | - | 12No options | $13M |
| ASCN Absecon Bancorp | 121.00 | 159.73 | +24% | 29No options | $13M |
⚖ Compare FSGB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FSGB
Is FSGB undervalued right now?
By the GLS models, moderately: at 10.57 the stock trades 29% below the average fair value of 14.85 (data as of 5 Nov 2026).
What is the Wheel Score of FSGB and what does it mean?
FSGB has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for FSGB?
14.85 per share as of 5 Nov 2026 - the simple average of the 2 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 1st Federal Savings Bank of SC, Inc. report earnings next?
No upcoming earnings date is recorded for FSGB in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does FSGB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on FSGB, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.