4.99 USD
-0.05 (-0.99%)
FGBI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 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.
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.
Each year in the past 5 years FGBI has been profitable.
FGBI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FGBI (-1.57%) is worse than 95.36% of its industry peers.
The Return On Equity of FGBI (-27.05%) is worse than 96.39% of its industry peers.
| Industry Rank | Sector 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
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 Rank | Sector 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
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
FGBI has a better debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 1.50, FGBI is in line with its industry, outperforming 55.41% of the companies in the same industry.
FGBI has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.23, FGBI is doing worse than 61.86% of the companies in the same industry.
Although FGBI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC34.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FGBI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -490.48%.
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 very negative growth in Revenue. The Revenue has decreased by -12.15% 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)-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.
FGBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.42% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for FGBI. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 12.87, FGBI is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FGBI indicates a slightly more expensive valuation: FGBI is more expensive than 67.78% of the companies listed in the same industry.
FGBI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 12.87 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FGBI is valued cheaply inside the industry as 97.94% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.25 | ||
| EV/EBITDA | N/A |
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
5. Dividend
5.1 Amount
With a yearly dividend of 0.78%, FGBI is not a good candidate for dividend investing.
The stock price of FGBI dropped by -38.04% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
With a Dividend Yield of 0.78, FGBI pays less dividend than the industry average, which is at 2.74. 83.51% of the companies listed in the same industry pay a better dividend than FGBI!
With a Dividend Yield of 0.78, FGBI pays less dividend than the S&P500 average, which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
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
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
NASDAQ:FGBI (12/26/2025, 2:59:49 PM)
4.99
-0.05 (-0.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners5.59%
Inst Owner Change-1.55%
Ins Owners48.27%
Ins Owner Change30.77%
Market Cap76.60M
Revenue(TTM)98.15M
Net Income(TTM)-59.79M
Analysts43.33
Price TargetN/A
Short Float %0.9%
Short Ratio2.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP-4.78%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1550%
EPS NY rev (1m)0%
EPS NY rev (3m)-120%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 12.87 | ||
| P/S | 0.78 | ||
| P/FCF | 2.25 | ||
| P/OCF | 2.16 | ||
| P/B | 0.35 | ||
| P/tB | 0.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)-3.28
EYN/A
EPS(NY)0.39
Fwd EY7.77%
FCF(TTM)2.22
FCFY44.41%
OCF(TTM)2.31
OCFY46.32%
SpS6.39
BVpS14.4
TBVpS14.22
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC34.5%
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 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.