1st Federal Savings Bank of SC, Inc. (FSGB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
1st Federal Savings Bank of SC, Inc. (FSGB) trades at $9.70 with AI Score 48/100 (Grade C). 1st Federal Savings Bank of SC, Inc. Market cap: $9.82M, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for FSGB: FSGB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FSGB against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FSGB: the 1 perspectives are evenly split.
How is this calculated? →1st Federal Savings Bank of SC, Inc. (FSGB) Financial Services Profile
1st Federal Savings Bank of SC, Inc., established in 1962, operates as a regional bank offering traditional banking services, including personal and business accounts, loans, and online banking. With a focus on the South Carolina market, the bank competes with other regional and national banks while maintaining a community-oriented approach.
What Is the Investment Thesis for FSGB?
Investing in 1st Federal Savings Bank of SC, Inc. (FSGB) presents a unique opportunity to participate in a community-focused banking model. The bank's consistent profitability, demonstrated by a 12.2% profit margin and a 64.7% gross margin, indicates efficient operations. With a market capitalization of $9.82M and a beta of 0.30, FSGB offers stability compared to broader market fluctuations. Growth catalysts include expanding its loan portfolio within the South Carolina region and enhancing its online banking platform to attract a wider customer base. However, potential risks include competition from larger regional and national banks and sensitivity to interest rate changes. The bank's lack of dividend yield may deter some investors seeking immediate income.
Based on FMP financials and quantitative analysis
FSGB Key Highlights
- Market capitalization of $9.82M, indicating a small-cap bank.
- Profit margin of 12.2%, reflecting efficient profitability.
- Gross margin of 64.7%, showcasing effective cost management.
- Beta of 0.30, suggesting lower volatility compared to the overall market.
- No dividend yield, indicating a focus on reinvesting earnings for growth.
Who Are FSGB's Competitors?
FSGB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ASCN Absecon Bancorp | $116.00 | +0.00% | $12.70M | 52 |
| CBFC CNB Financial Services, Inc. | $50.00 | +0.00% | $18.99M | 44 |
| EBSH Empire Bancshares, Inc. | $41.00 | -0.24% | $27.11M | 48 |
| FNFI First Niles Financial, Inc. | $8.50 | +0.00% | $9.46M | 44 |
| FPBC First Pacific Bancorp | $7.25 | -0.41% | $14.06M | 49 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FSGB's Key Strengths?
- Strong local presence and community relationships.
- Experienced management team.
- Consistent profitability.
- Low beta indicating stability.
What Are FSGB's Weaknesses?
- Limited geographic reach.
- Small market capitalization.
- Lack of dividend yield.
- Dependence on local economy.
What Could Drive FSGB Stock Higher?
- Potential increase in loan demand due to economic growth in South Carolina.
- Continued focus on community engagement and customer service.
- Expansion of online banking services to attract new customers.
What Are the Key Risks for FSGB?
- Competition from larger regional and national banks.
- Interest rate fluctuations impacting net interest margin.
- Economic downturn in the local market affecting loan performance.
- Limited liquidity due to OTC listing.
- Regulatory changes impacting the banking industry.
What Are the Growth Opportunities for FSGB?
- Expansion of Loan Portfolio: 1st Federal Savings Bank can grow by expanding its loan portfolio, particularly in the mortgage and commercial lending segments. The South Carolina real estate market presents opportunities for mortgage growth, while the local business community offers potential for commercial loan expansion. By targeting specific niches within these markets and offering competitive rates and terms, the bank can increase its market share and drive revenue growth. Timeline: Ongoing.
- Enhancement of Online Banking Platform: Investing in and enhancing its online banking platform can attract a broader customer base, particularly younger and tech-savvy individuals. By offering a user-friendly interface, mobile banking capabilities, and a range of online services, the bank can improve customer satisfaction and retention. This includes services such as mobile check deposit, online bill pay, and person-to-person transfers. Timeline: Ongoing.
- Strategic Partnerships: Forming strategic partnerships with local businesses and organizations can expand the bank's reach and customer base. By partnering with real estate agents, developers, and community groups, the bank can gain access to new customers and generate loan referrals. These partnerships can also enhance the bank's brand image and strengthen its ties to the local community. Timeline: Ongoing.
- Introduction of New Products and Services: Introducing new and innovative products and services can attract new customers and generate additional revenue streams. This could include offering specialized accounts for specific customer segments, such as students or seniors, or developing new loan products tailored to the needs of local businesses. By staying ahead of the curve and offering unique value propositions, the bank can differentiate itself from competitors. Timeline: Ongoing.
- Community Engagement and Outreach: Increasing community engagement and outreach efforts can strengthen the bank's brand image and build customer loyalty. By sponsoring local events, supporting community initiatives, and participating in local organizations, the bank can demonstrate its commitment to the community and build goodwill. This can lead to increased customer referrals and a stronger reputation. Timeline: Ongoing.
What Opportunities Does FSGB Have?
- Expansion of loan portfolio.
- Enhancement of online banking platform.
- Strategic partnerships with local businesses.
- Introduction of new products and services.
What Threats Does FSGB Face?
- Competition from larger regional and national banks.
- Interest rate fluctuations.
- Economic downturn in the local market.
- Regulatory changes.
What Are FSGB's Competitive Advantages?
- Strong community relationships built over decades.
- Local market knowledge and expertise.
- Personalized customer service that larger banks cannot easily replicate.
What Does FSGB Do?
1st Federal Savings Bank of SC, Inc. was founded in 1962 in Walterboro, South Carolina, with a mission to serve the financial needs of the local community. Over the years, the bank has evolved from a traditional savings and loan institution to a full-service bank offering a comprehensive suite of financial products and services. These include personal and business checking and savings accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). The bank also provides various loan products, such as mortgage, consumer, and commercial loans, catering to the diverse needs of its customer base. 1st Federal Savings Bank emphasizes personalized customer service and community involvement, differentiating itself from larger national banks. The bank's commitment to its local market is reflected in its branch network and its focus on building long-term relationships with customers. In addition to traditional banking services, 1st Federal Savings Bank offers modern conveniences such as online and mobile banking, ensuring accessibility and convenience for its customers. The bank also provides services like check reordering, debit cards, overdraft protection, automated telephone teller, wire transfers, night deposit drops, safe deposit boxes, direct deposit, and automatic transfer services. 1st Federal Savings Bank of SC, Inc. also offers Kasasa products.
What Products and Services Does FSGB Offer?
- Offers personal and business checking accounts.
- Provides savings accounts and individual retirement accounts (IRAs).
- Issues certificates of deposit (CDs).
- Offers mortgage, consumer, and commercial loans.
- Provides online and mobile banking services.
- Offers Kasasa products.
How Does FSGB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services, such as overdraft protection and wire transfers.
- Profits from the spread between interest earned on assets and interest paid on liabilities.
What Industry Does FSGB Operate In?
1st Federal Savings Bank of SC, Inc. operates within the regional banking sector, which is characterized by intense competition from larger national banks and other community banks. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and economic conditions. Regional banks like 1st Federal Savings Bank differentiate themselves through personalized service, local market knowledge, and community involvement. The banking industry is currently experiencing a shift towards digital banking, with customers increasingly demanding online and mobile banking services. The regional banking sector is expected to see moderate growth as the economy expands and demand for loans increases.
Who Are FSGB's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and banking solutions.
- Local residents in Walterboro, South Carolina, and surrounding areas.
FSGB Valuation & Market Position
With a $9.82M market cap, 1st Federal Savings Bank of SC, Inc. sits in the micro-cap segment of the market. Relative to its peer group, FSGB's quantitative score of 48/100 is roughly in line with the peer average of 47/100.
ROE 6%Key Financial Metrics
Return on equity for 1st Federal Savings Bank of SC, Inc. stands at 6.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. Its free cash flow yield is 10.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.06 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
FSGB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local presence and community relationships.
- Experienced management team.
- Consistent profitability.
- Low beta indicating stability.
Bear Case
- Limited geographic reach.
- Small market capitalization.
- Lack of dividend yield.
- Dependence on local economy.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
FSGB Latest News
No recent news available for FSGB.
FSGB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FSGB.
Price Targets
Wall Street price target analysis for FSGB.
FSGB MoonshotScore
What does this score mean?
The MoonshotScore rates FSGB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Arnold A. Zipperer
CEO
Arnold A. Zipperer serves as the CEO of 1st Federal Savings Bank of SC, Inc. His career in the banking sector spans several decades, with a focus on community banking and financial management. Prior to his role at 1st Federal Savings Bank, Zipperer held various leadership positions at regional banks, where he gained experience in lending, operations, and strategic planning. His educational background includes a degree in finance and certifications in banking management.
Track Record: Under Arnold A. Zipperer's leadership, 1st Federal Savings Bank of SC, Inc. has maintained consistent profitability and a strong focus on community engagement. He has overseen the expansion of the bank's loan portfolio and the enhancement of its online banking platform. Zipperer has also implemented initiatives to improve customer service and strengthen the bank's ties to the local community.
FSGB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that 1st Federal Savings Bank of SC, Inc. may not meet the minimum financial standards required for higher tiers like OTCQB or OTCQX. Companies in this tier may have limited financial disclosure and may not be subject to the same regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries a higher degree of risk due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure.
- Low trading volume and liquidity.
- Potential for price volatility.
- Higher risk of fraud or manipulation.
- Lack of regulatory oversight.
- Verify the company's financial statements.
- Research the management team and their track record.
- Assess the company's business model and competitive landscape.
- Review any available news or press releases about the company.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Check for any regulatory actions or legal issues.
- Long operating history (founded in 1962).
- Physical presence in Walterboro, South Carolina.
- FDIC insurance coverage.
- CEO with banking experience.
- Positive customer reviews (if available).
FSGB Financial Services Stock FAQ
What does 1st Federal Savings Bank of SC, Inc. do?
1st Federal Savings Bank of SC, Inc. operates as a community-focused bank, providing a range of financial products and services to individuals and businesses in Walterboro, South Carolina, and the surrounding areas. The bank offers personal and business checking and savings accounts, individual retirement accounts (IRAs), certificates of deposit (CDs), and various loan products, including mortgage, consumer, and commercial loans. It also provides online and mobile banking services to enhance customer convenience. The bank's business model revolves around generating revenue through interest income from loans and fees from banking services, while emphasizing personalized customer service and community involvement.
What do analysts say about FSGB stock?
As of 2026-03-17, there is no readily available analyst coverage for 1st Federal Savings Bank of SC, Inc. (FSGB) due to its OTC listing and small market capitalization. Investors should conduct their own thorough research and consider the risks associated with investing in OTC stocks. Key valuation metrics, such as price-to-earnings ratio and price-to-book ratio, may not be readily available or reliable due to limited financial disclosure. Growth considerations include the bank's ability to expand its loan portfolio, enhance its online banking platform, and maintain its strong community relationships. However, potential risks include competition from larger banks and sensitivity to interest rate changes. No recommendation is made.
What are the main risks for FSGB?
The main risks for 1st Federal Savings Bank of SC, Inc. include competition from larger regional and national banks, which have greater resources and broader product offerings. Interest rate fluctuations can impact the bank's net interest margin and profitability. An economic downturn in the local market could lead to increased loan defaults and reduced demand for banking services. As an OTC-listed stock, FSGB faces limited liquidity and potential price volatility. Regulatory changes in the banking industry could also impact the bank's operations and compliance costs. Investors should carefully consider these risks before investing in FSGB.
What are the key factors to evaluate for FSGB?
1st Federal Savings Bank of SC, Inc. (FSGB) holds an AI score of 48/100 (low). Not financial advice.
How frequently does FSGB data refresh on this page?
FSGB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FSGB's recent stock price performance?
1st Federal Savings Bank of SC, Inc. (FSGB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence and community relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FSGB overvalued or undervalued right now?
Valuing 1st Federal Savings Bank of SC, Inc. (FSGB) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying FSGB?
Before investing in 1st Federal Savings Bank of SC, Inc. (FSGB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available due to OTC listing.
- AI analysis pending for FSGB.