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FIRST GUARANTY BANCSHARES IN (FGBI) Stock Fundamental Analysis

USA - NASDAQ:FGBI - US32043P1066 - Common Stock

6.24 USD
+0.15 (+2.46%)
Last: 11/12/2025, 8:21:18 PM
Fundamental Rating

2

Taking everything into account, FGBI scores 2 out of 10 in our fundamental rating. FGBI was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of FGBI have multiple concerns. FGBI has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FGBI has reported negative net income.
FGBI had a positive operating cash flow in the past year.
FGBI had positive earnings in each of the past 5 years.
Each year in the past 5 years FGBI had a positive operating cash flow.
FGBI Yearly Net Income VS EBIT VS OCF VS FCFFGBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

FGBI has a worse Return On Assets (-0.32%) than 92.53% of its industry peers.
With a Return On Equity value of -4.89%, FGBI is not doing good in the industry: 93.81% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.32%
ROE -4.89%
ROIC N/A
ROA(3y)0.43%
ROA(5y)0.6%
ROE(3y)6.02%
ROE(5y)8.2%
ROIC(3y)N/A
ROIC(5y)N/A
FGBI Yearly ROA, ROE, ROICFGBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

In the last couple of years the Profit Margin of FGBI has declined.
FGBI does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-29.76%
PM growth 5Y-15.11%
GM growth 3YN/A
GM growth 5YN/A
FGBI Yearly Profit, Operating, Gross MarginsFGBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

FGBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
FGBI has more shares outstanding than it did 1 year ago.
The number of shares outstanding for FGBI has been increased compared to 5 years ago.
FGBI has a better debt/assets ratio than last year.
FGBI Yearly Shares OutstandingFGBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
FGBI Yearly Total Debt VS Total AssetsFGBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

FGBI has a debt to FCF ratio of 4.97. This is a neutral value as FGBI would need 4.97 years to pay back of all of its debts.
FGBI has a Debt to FCF ratio of 4.97. This is in the lower half of the industry: FGBI underperforms 69.07% of its industry peers.
FGBI has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
FGBI's Debt to Equity ratio of 0.19 is in line compared to the rest of the industry. FGBI outperforms 44.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 4.97
Altman-Z N/A
ROIC/WACCN/A
WACC33.04%
FGBI Yearly LT Debt VS Equity VS FCFFGBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FGBI Yearly Current Assets VS Current LiabilitesFGBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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2

3. Growth

3.1 Past

The earnings per share for FGBI have decreased strongly by -221.69% in the last year.
Measured over the past years, FGBI shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.59% on average per year.
Looking at the last year, FGBI shows a decrease in Revenue. The Revenue has decreased by -5.95% in the last year.
The Revenue has been growing by 10.09% on average over the past years. This is quite good.
EPS 1Y (TTM)-221.69%
EPS 3Y-30.64%
EPS 5Y-9.59%
EPS Q2Q%-215.09%
Revenue 1Y (TTM)-5.95%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-37.9%

3.2 Future

Based on estimates for the next years, FGBI will show a very negative growth in Earnings Per Share. The EPS will decrease by -30.82% on average per year.
Based on estimates for the next years, FGBI will show a small growth in Revenue. The Revenue will grow by 0.42% on average per year.
EPS Next Y-321.63%
EPS Next 2Y-30.82%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.63%
Revenue Next 2Y0.42%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FGBI Yearly Revenue VS EstimatesFGBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
FGBI Yearly EPS VS EstimatesFGBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 1 -1 2

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2

4. Valuation

4.1 Price/Earnings Ratio

FGBI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 16.10 indicates a correct valuation of FGBI.
FGBI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FGBI is more expensive than 76.03% of the companies in the same industry.
FGBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.43.
Industry RankSector Rank
PE N/A
Fwd PE 16.1
FGBI Price Earnings VS Forward Price EarningsFGBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

72.68% of the companies in the same industry are more expensive than FGBI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.18
EV/EBITDA N/A
FGBI Per share dataFGBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

FGBI's earnings are expected to decrease with -30.82% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-30.82%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a yearly dividend of 0.70%, FGBI is not a good candidate for dividend investing.
In the last 3 months the price of FGBI has falen by -23.15%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
With a Dividend Yield of 0.70, FGBI pays less dividend than the industry average, which is at 3.38. 84.02% of the companies listed in the same industry pay a better dividend than FGBI!
Compared to an average S&P500 Dividend Yield of 2.36, FGBI's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.7%

5.2 History

The dividend of FGBI has a limited annual growth rate of 1.94%.
FGBI has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)1.94%
Div Incr Years0
Div Non Decr Years0
FGBI Yearly Dividends per shareFGBI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

FGBI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-28.83%
EPS Next 2Y-30.82%
EPS Next 3YN/A
FGBI Yearly Income VS Free CF VS DividendFGBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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FIRST GUARANTY BANCSHARES IN

NASDAQ:FGBI (11/12/2025, 8:21:18 PM)

6.24

+0.15 (+2.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-03 2026-02-03/amc
Inst Owners5.77%
Inst Owner Change0.01%
Ins Owners48.71%
Ins Owner Change30.47%
Market Cap94.35M
Revenue(TTM)101.15M
Net Income(TTM)-12.86M
Analysts43.33
Price Target9.18 (47.12%)
Short Float %0.39%
Short Ratio2.72
Dividend
Industry RankSector Rank
Dividend Yield 0.7%
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP-28.83%
Div Incr Years0
Div Non Decr Years0
Ex-Date09-23 2025-09-23 (0.01)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-305.22%
Min EPS beat(2)-411.42%
Max EPS beat(2)-199.02%
EPS beat(4)2
Avg EPS beat(4)117.92%
Min EPS beat(4)-411.42%
Max EPS beat(4)978.43%
EPS beat(8)4
Avg EPS beat(8)74.89%
EPS beat(12)4
Avg EPS beat(12)44.1%
EPS beat(16)8
Avg EPS beat(16)35.25%
Revenue beat(2)1
Avg Revenue beat(2)-2.16%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)0.24%
Revenue beat(4)2
Avg Revenue beat(4)0.77%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)11.22%
Revenue beat(8)5
Avg Revenue beat(8)9.66%
Revenue beat(12)6
Avg Revenue beat(12)5.58%
Revenue beat(16)10
Avg Revenue beat(16)6.39%
PT rev (1m)5.88%
PT rev (3m)-10%
EPS NQ rev (1m)-255.56%
EPS NQ rev (3m)-255.56%
EPS NY rev (1m)-41.94%
EPS NY rev (3m)-120%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.56%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 16.1
P/S 0.93
P/FCF 9.18
P/OCF 8.65
P/B 0.36
P/tB 0.38
EV/EBITDA N/A
EPS(TTM)-1.01
EYN/A
EPS(NY)0.39
Fwd EY6.21%
FCF(TTM)0.68
FCFY10.89%
OCF(TTM)0.72
OCFY11.56%
SpS6.69
BVpS17.4
TBVpS16.34
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.32%
ROE -4.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 10.16%
ROA(3y)0.43%
ROA(5y)0.6%
ROE(3y)6.02%
ROE(5y)8.2%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-29.76%
PM growth 5Y-15.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 4.97
Debt/EBITDA N/A
Cap/Depr 14.26%
Cap/Sales 0.63%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC33.04%
ROIC/WACCN/A
Cap/Depr(3y)167.3%
Cap/Depr(5y)142.97%
Cap/Sales(3y)6.89%
Cap/Sales(5y)5.85%
Profit Quality(3y)177.16%
Profit Quality(5y)142.27%
High Growth Momentum
Growth
EPS 1Y (TTM)-221.69%
EPS 3Y-30.64%
EPS 5Y-9.59%
EPS Q2Q%-215.09%
EPS Next Y-321.63%
EPS Next 2Y-30.82%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.95%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-37.9%
Revenue Next Year0.63%
Revenue Next 2Y0.42%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-54.36%
FCF growth 3Y8.06%
FCF growth 5Y12.34%
OCF growth 1Y-61.3%
OCF growth 3Y8.35%
OCF growth 5Y3.01%

FIRST GUARANTY BANCSHARES IN / FGBI FAQ

Can you provide the ChartMill fundamental rating for FIRST GUARANTY BANCSHARES IN?

ChartMill assigns a fundamental rating of 2 / 10 to FGBI.


What is the valuation status for FGBI stock?

ChartMill assigns a valuation rating of 2 / 10 to FIRST GUARANTY BANCSHARES IN (FGBI). This can be considered as Overvalued.


Can you provide the profitability details for FIRST GUARANTY BANCSHARES IN?

FIRST GUARANTY BANCSHARES IN (FGBI) has a profitability rating of 2 / 10.


What is the expected EPS growth for FIRST GUARANTY BANCSHARES IN (FGBI) stock?

The Earnings per Share (EPS) of FIRST GUARANTY BANCSHARES IN (FGBI) is expected to decline by -321.63% in the next year.