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FIRST GUARANTY BANCSHARES IN (FGBI) Stock Fundamental Analysis

USA - NASDAQ:FGBI - US32043P1066 - Common Stock

8.07 USD
-0.18 (-2.18%)
Last: 9/26/2025, 8:00:00 PM
8.15 USD
+0.08 (+0.99%)
After Hours: 9/12/2025, 8:00:00 PM
Fundamental Rating

3

Taking everything into account, FGBI scores 3 out of 10 in our fundamental rating. FGBI was compared to 392 industry peers in the Banks industry. FGBI has a bad profitability rating. Also its financial health evaluation is rather negative. FGBI has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

FGBI had negative earnings in the past year.
In the past year FGBI had a positive cash flow from operations.
In the past 5 years FGBI has always been profitable.
FGBI had a positive operating cash flow in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 0.04%, FGBI is doing worse than 88.78% of the companies in the same industry.
The Return On Equity of FGBI (0.65%) is worse than 88.52% of its industry peers.
Industry RankSector Rank
ROA 0.04%
ROE 0.65%
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

The Profit Margin of FGBI (1.45%) is worse than 88.78% of its industry peers.
FGBI's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FGBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 1.45%
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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3

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.
Compared to 5 years ago, FGBI has more shares outstanding
The debt/assets ratio for FGBI has been reduced compared to a year ago.
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

The Debt to FCF ratio of FGBI is 1.86, which is an excellent value as it means it would take FGBI, only 1.86 years of fcf income to pay off all of its debts.
FGBI has a Debt to FCF ratio of 1.86. This is comparable to the rest of the industry: FGBI outperforms 50.77% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that FGBI is not too dependend on debt financing.
FGBI's Debt to Equity ratio of 0.26 is on the low side compared to the rest of the industry. FGBI is outperformed by 64.80% of its industry peers.
Even though the debt/equity ratio score it not favorable for FGBI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.86
Altman-Z N/A
ROIC/WACCN/A
WACC31.33%
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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4

3. Growth

3.1 Past

The earnings per share for FGBI have decreased strongly by -221.69% in the last year.
FGBI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.59% yearly.
Looking at the last year, FGBI shows a quite strong growth in Revenue. The Revenue has grown by 18.78% in the last year.
Measured over the past years, FGBI shows a quite strong growth in Revenue. The Revenue has been growing by 10.09% on average per year.
EPS 1Y (TTM)-221.69%
EPS 3Y-30.64%
EPS 5Y-9.59%
EPS Q2Q%-215.09%
Revenue 1Y (TTM)18.78%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-37.9%

3.2 Future

FGBI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.46% yearly.
The Revenue is expected to grow by 2.28% on average over the next years.
EPS Next Y-200.74%
EPS Next 2Y6.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.19%
Revenue Next 2Y2.28%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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4

4. Valuation

4.1 Price/Earnings Ratio

FGBI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 8.79, the valuation of FGBI can be described as reasonable.
Based on the Price/Forward Earnings ratio, FGBI is valued a bit cheaper than 71.43% 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 22.89.
Industry RankSector Rank
PE N/A
Fwd PE 8.79
FGBI Price Earnings VS Forward Price EarningsFGBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FGBI is valued cheaply inside the industry as 95.15% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.44
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.46%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

FGBI has a yearly dividend return of 0.49%, which is pretty low.
With a Dividend Yield of 0.49, FGBI pays less dividend than the industry average, which is at 3.47. 86.22% of the companies listed in the same industry pay a better dividend than FGBI!
With a Dividend Yield of 0.49, FGBI pays less dividend than the S&P500 average, which is at 2.38.
Industry RankSector Rank
Dividend Yield 0.49%

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 pays out 339.36% of its income as dividend. This is not a sustainable payout ratio.
FGBI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP339.36%
EPS Next 2Y6.46%
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
FGBI Dividend Payout.FGBI Dividend Payout, showing the Payout Ratio.FGBI Dividend Payout.PayoutRetained Earnings

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FIRST GUARANTY BANCSHARES IN

NASDAQ:FGBI (9/26/2025, 8:00:00 PM)

After market: 8.15 +0.08 (+0.99%)

8.07

-0.18 (-2.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-01 2025-08-01/bmo
Earnings (Next)10-29 2025-10-29/amc
Inst Owners5.77%
Inst Owner Change-2.98%
Ins Owners48.71%
Ins Owner Change30.16%
Market Cap122.02M
Analysts43.33
Price Target8.67 (7.43%)
Short Float %0.43%
Short Ratio4.45
Dividend
Industry RankSector Rank
Dividend Yield 0.49%
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP339.36%
Div Incr Years0
Div Non Decr Years0
Ex-Date09-23 2025-09-23 (0.01)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-153.87%
Min EPS beat(2)-411.42%
Max EPS beat(2)103.68%
EPS beat(4)3
Avg EPS beat(4)207.62%
Min EPS beat(4)-411.42%
Max EPS beat(4)978.43%
EPS beat(8)4
Avg EPS beat(8)95.58%
EPS beat(12)5
Avg EPS beat(12)60.8%
EPS beat(16)9
Avg EPS beat(16)48.89%
Revenue beat(2)0
Avg Revenue beat(2)-4.19%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)-3.8%
Revenue beat(4)2
Avg Revenue beat(4)16.47%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)63.04%
Revenue beat(8)4
Avg Revenue beat(8)8.2%
Revenue beat(12)6
Avg Revenue beat(12)6.05%
Revenue beat(16)10
Avg Revenue beat(16)7.21%
PT rev (1m)-15%
PT rev (3m)-15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
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 8.79
P/S 1.07
P/FCF 3.44
P/OCF 3.29
P/B 0.49
P/tB 0.52
EV/EBITDA N/A
EPS(TTM)-1.01
EYN/A
EPS(NY)0.92
Fwd EY11.38%
FCF(TTM)2.35
FCFY29.07%
OCF(TTM)2.46
OCFY30.42%
SpS7.51
BVpS16.63
TBVpS15.56
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.04%
ROE 0.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 1.45%
GM N/A
FCFM 31.24%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.86
Debt/EBITDA N/A
Cap/Depr 35.53%
Cap/Sales 1.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 2157.54%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC31.33%
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-200.74%
EPS Next 2Y6.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.78%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-37.9%
Revenue Next Year1.19%
Revenue Next 2Y2.28%
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 1Y20.89%
FCF growth 3Y8.06%
FCF growth 5Y12.34%
OCF growth 1Y13.98%
OCF growth 3Y8.35%
OCF growth 5Y3.01%