First State Financial (FSTF) Stock Overview

Operates as the bank holding company for First State Bank, which provides retail and commercial banking services to individuals, and small and medium-sized businesses in the west central region of Florida. More details

FSTF fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	0/6
Financial Health	0/6
Dividends	0/6

Risk Analysis

Does not have a meaningful market cap ($165K)

Shares are highly illiquid

Latest financial reports are more than a year old

FSTF Community Fair Values

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First State Financial Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for First State Financial
Historical stock prices
Current Share Price	US$0.03
52 Week High	US$0.05
52 Week Low	US$0.012
Beta	0
1 Month Change	-8.81%
3 Month Change	-24.05%
1 Year Change	100.00%
3 Year Change	96.08%
5 Year Change	50.00%
Change since IPO	-99.76%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FSTF	US Banks	US Market
7D	64.8%	2.1%	1.5%
1Y	100.0%	26.4%	16.7%

Return vs Industry: FSTF exceeded the US Banks industry which returned 28.7% over the past year.

Return vs Market: FSTF exceeded the US Market which returned 17.2% over the past year.

Price Volatility

Is FSTF's price volatile compared to industry and market?
FSTF volatility
FSTF Average Weekly Movement	n/a
Banks Industry Average Movement	3.8%
Market Average Movement	6.5%
10% most volatile stocks in US Market	16.7%
10% least volatile stocks in US Market	3.0%

Stable Share Price: FSTF's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FSTF's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1988	n/a	Jed Wilkinson	www.firststatefinancial.net

First State Financial Corporation operates as the bank holding company for First State Bank, which provides retail and commercial banking services to individuals, and small and medium-sized businesses in the west central region of Florida. The company primarily engages in generating deposits and originating loans. Its deposit products consist of certificates of deposit, checking and other demand deposits, NOW accounts, savings accounts, and money market accounts.

First State Financial Corporation Fundamentals Summary

How do First State Financial's earnings and revenue compare to its market cap?
FSTF fundamental statistics
Market cap	US$165.18k
Earnings (TTM)	-US$36.35m
Revenue (TTM)	n/a

0.0x

P/B Ratio

0.0x

P/S Ratio

Is FSTF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FSTF income statement (TTM)
Revenue	-US$23.12m
Cost of Revenue	US$0
Gross Profit	-US$23.12m
Other Expenses	US$13.23m
Earnings	-US$36.35m

Last Reported Earnings

Mar 31, 2009

Next Earnings Date

n/a

Earnings per share (EPS)	0
Gross Margin	0.00%
Net Profit Margin	0.00%
Debt/Equity Ratio	0.0%

How did FSTF perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/01/07 01:14
End of Day Share Price	2026/01/07 00:00
Earnings	2009/03/31
Annual Earnings	2008/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First State Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.