FIRST GUARANTY BANCSHARES IN (FGBI) Fundamental Analysis & Valuation

NASDAQ:FGBI • US32043P1066

Current stock price

8.11 USD
-0.19 (-2.29%)
At close:
8.112 USD
+0 (+0.02%)
After Hours:

This FGBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. FGBI Profitability Analysis

1.1 Basic Checks

  • In the past year FGBI has reported negative net income.
  • In the past year FGBI had a positive cash flow from operations.
  • Each year in the past 5 years FGBI has been profitable.
  • In the past 5 years FGBI always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -1.57%, FGBI is doing worse than 95.79% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of -27.05%, FGBI is doing worse than 96.84% of the companies in the same industry.
Industry RankSector Rank
ROA -1.57%
ROE -27.05%
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 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.
  • The Profit Margin and Operating Margin and Gross Margin are not available for FGBI so they could not be analyzed.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. FGBI Health Analysis

2.1 Basic Checks

  • FGBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FGBI has been increased compared to 1 year ago.
  • The number of shares outstanding for FGBI has been increased compared to 5 years ago.
  • Compared to 1 year ago, FGBI has an improved debt to assets ratio.
FGBI Yearly Shares OutstandingFGBI Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • FGBI has a debt to FCF ratio of 1.50. This is a very positive value and a sign of high solvency as it would only need 1.50 years to pay back of all of its debts.
  • FGBI has a Debt to FCF ratio of 1.50. This is comparable to the rest of the industry: FGBI outperforms 57.63% of its industry peers.
  • FGBI has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
  • FGBI has a Debt to Equity ratio (0.23) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.5
Altman-Z N/A
ROIC/WACCN/A
WACC30.73%
FGBI Yearly LT Debt VS Equity VS FCFFGBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. FGBI Growth Analysis

3.1 Past

  • The earnings per share for FGBI have decreased strongly by -490.48% in the last year.
  • The Earnings Per Share has been decreasing by -9.59% on average over the past years.
  • The Revenue for FGBI has decreased by -12.15% in the past year. This is quite bad
  • The Revenue has been growing by 10.09% on average over the past years. This is quite good.
EPS 1Y (TTM)-490.48%
EPS 3Y-30.64%
EPS 5Y-9.59%
EPS Q2Q%-2063.64%
Revenue 1Y (TTM)-12.15%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-10.08%

3.2 Future

  • FGBI is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -30.82% yearly.
  • 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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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 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. FGBI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for FGBI. In the last year negative earnings were reported.
  • A Price/Forward Earnings ratio of 20.92 indicates a rather expensive valuation of FGBI.
  • 79.47% of the companies in the same industry are cheaper than FGBI, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of FGBI to the average of the S&P500 Index (22.42), we can say FGBI is valued inline with the index average.
Industry RankSector Rank
PE N/A
Fwd PE 20.92
FGBI Price Earnings VS Forward Price EarningsFGBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FGBI indicates a rather cheap valuation: FGBI is cheaper than 93.95% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.76
EV/EBITDA N/A
FGBI Per share dataFGBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. FGBI Dividend Analysis

5.1 Amount

  • FGBI has a yearly dividend return of 0.48%, which is pretty low.
  • With a Dividend Yield of 0.48, FGBI pays less dividend than the industry average, which is at 2.78. 85.53% of the companies listed in the same industry pay a better dividend than FGBI!
  • With a Dividend Yield of 0.48, FGBI pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.48%

5.2 History

  • The dividend of FGBI has a limited annual growth rate of 1.94%.
  • FGBI has paid a dividend for at least 10 years, which is 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

  • The earnings of FGBI are negative and hence is the payout ratio. FGBI will probably not be able to sustain this dividend level.
DP-4.78%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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FGBI Fundamentals: All Metrics, Ratios and Statistics

FIRST GUARANTY BANCSHARES IN

NASDAQ:FGBI (3/20/2026, 8:00:00 PM)

After market: 8.112 +0 (+0.02%)

8.11

-0.19 (-2.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners4.98%
Inst Owner Change1.73%
Ins Owners49.63%
Ins Owner Change1.54%
Market Cap128.06M
Revenue(TTM)98.15M
Net Income(TTM)-59.79M
Analysts43.33
Price Target7.14 (-11.96%)
Short Float %2.08%
Short Ratio8.3
Dividend
Industry RankSector Rank
Dividend Yield 0.48%
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP-4.78%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-380.39%
Min EPS beat(2)-561.76%
Max EPS beat(2)-199.02%
EPS beat(4)1
Avg EPS beat(4)-267.13%
Min EPS beat(4)-561.76%
Max EPS beat(4)103.68%
EPS beat(8)4
Avg EPS beat(8)9.52%
EPS beat(12)4
Avg EPS beat(12)-2.4%
EPS beat(16)7
Avg EPS beat(16)-1.48%
Revenue beat(2)1
Avg Revenue beat(2)-1.41%
Min Revenue beat(2)-3.06%
Max Revenue beat(2)0.24%
Revenue beat(4)1
Avg Revenue beat(4)-2.8%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)0.24%
Revenue beat(8)5
Avg Revenue beat(8)9.67%
Revenue beat(12)5
Avg Revenue beat(12)4.75%
Revenue beat(16)9
Avg Revenue beat(16)5.33%
PT rev (1m)0%
PT rev (3m)-22.22%
EPS NQ rev (1m)144.83%
EPS NQ rev (3m)144.83%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 20.92
P/S 1.3
P/FCF 3.76
P/OCF 3.61
P/B 0.58
P/tB 0.59
EV/EBITDA N/A
EPS(TTM)-3.28
EYN/A
EPS(NY)0.39
Fwd EY4.78%
FCF(TTM)2.15
FCFY26.56%
OCF(TTM)2.25
OCFY27.7%
SpS6.22
BVpS14
TBVpS13.82
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.57%
ROE -27.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 34.66%
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 0.23
Debt/FCF 1.5
Debt/EBITDA N/A
Cap/Depr 32.7%
Cap/Sales 1.49%
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
WACC30.73%
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)-490.48%
EPS 3Y-30.64%
EPS 5Y-9.59%
EPS Q2Q%-2063.64%
EPS Next Y-321.63%
EPS Next 2Y-30.82%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.15%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-10.08%
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 1Y976.52%
FCF growth 3Y8.06%
FCF growth 5Y12.34%
OCF growth 1Y191.75%
OCF growth 3Y8.35%
OCF growth 5Y3.01%

FIRST GUARANTY BANCSHARES IN / FGBI Fundamental Analysis 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 of FIRST GUARANTY BANCSHARES IN (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.


Can you provide the financial health for FGBI stock?

The financial health rating of FIRST GUARANTY BANCSHARES IN (FGBI) is 2 / 10.