FIRST GUARANTY BANCSHARES IN (FGBI) Fundamental Analysis & Valuation

NASDAQ:FGBI • US32043P1066

Current stock price

9.25 USD
-0.23 (-2.43%)
Last:

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

1

1. FGBI Profitability Analysis

1.1 Basic Checks

  • FGBI had negative earnings in the past year.
  • In the past year FGBI has reported a negative cash flow from operations.
  • Of the past 5 years FGBI 4 years were profitable.
  • Of the past 5 years FGBI 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M -40M

1.2 Ratios

  • With a Return On Assets value of -1.43%, FGBI is not doing good in the industry: 95.74% of the companies in the same industry are doing better.
  • With a Return On Equity value of -25.79%, FGBI is not doing good in the industry: 97.07% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -1.43%
ROE -25.79%
ROIC N/A
ROA(3y)-0.33%
ROA(5y)0.15%
ROE(3y)-6.36%
ROE(5y)0.76%
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 2025 0 10 -10 -20

1.3 Margins

  • 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 3YN/A
PM growth 5YN/A
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 2025 0 20 -20 -40 -60

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1

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.
  • Compared to 1 year ago, FGBI has more shares outstanding
  • Compared to 5 years ago, FGBI has more shares outstanding
  • FGBI has a better debt/assets ratio than last year.
FGBI Yearly Shares OutstandingFGBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
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 2025 1B 2B 3B 4B

2.2 Solvency

  • 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 in line with its industry, outperforming 40.16% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC34.21%
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 2025 0 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 2025 10M 20M 30M

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

1

3. FGBI Growth Analysis

3.1 Past

  • The earnings per share for FGBI have decreased strongly by -2030.77% in the last year.
  • FGBI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.69%.
  • Measured over the past years, FGBI shows a decrease in Revenue. The Revenue has been decreasing by -0.63% on average per year.
EPS 1Y (TTM)-2030.77%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%125.93%
Revenue 1Y (TTM)-15.69%
Revenue growth 3Y-4.92%
Revenue growth 5Y-0.63%
Sales Q2Q%3.05%

3.2 Future

  • The Earnings Per Share is expected to grow by 48.59% on average over the next years. This is a very strong growth
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y112.79%
EPS Next 2Y48.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.2%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
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 2027 0 1 -1 2 -2 -3

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3

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.
  • With a Price/Forward Earnings ratio of 13.95, FGBI is valued correctly.
  • Based on the Price/Forward Earnings ratio, FGBI is valued a bit more expensive than 76.60% of the companies in the same industry.
  • FGBI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 13.95
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

Industry RankSector Rank
P/FCF N/A
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • FGBI's earnings are expected to grow with 48.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y48.59%
EPS Next 3YN/A

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1

5. FGBI Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.42%, FGBI is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.42, FGBI pays less dividend than the industry average, which is at 2.56. 85.37% of the companies listed in the same industry pay a better dividend than FGBI!
  • With a Dividend Yield of 0.42, FGBI pays less dividend than the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 0.42%

5.2 History

  • The dividend of FGBI decreases each year by -18.90%.
  • FGBI has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-18.9%
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 2026 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-4.95%
EPS Next 2Y48.59%
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 2025 0 20M -20M -40M

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FGBI Fundamentals: All Metrics, Ratios and Statistics

FIRST GUARANTY BANCSHARES IN

NASDAQ:FGBI (5/1/2026, 8:26:49 PM)

9.25

-0.23 (-2.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-27
Earnings (Next)N/A
Inst Owners4.97%
Inst Owner Change-1.38%
Ins Owners49.83%
Ins Owner Change1.55%
Market Cap146.06M
Revenue(TTM)95.42M
Net Income(TTM)-58.35M
Analysts43.33
Price Target9.18 (-0.76%)
Short Float %2.51%
Short Ratio12.89
Dividend
Industry RankSector Rank
Dividend Yield 0.42%
Yearly Dividend0.2
Dividend Growth(5Y)-18.9%
DP-4.95%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-27
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-285.63%
Min EPS beat(2)-561.76%
Max EPS beat(2)-9.5%
EPS beat(4)0
Avg EPS beat(4)-295.43%
Min EPS beat(4)-561.76%
Max EPS beat(4)-9.5%
EPS beat(8)4
Avg EPS beat(8)12.18%
EPS beat(12)4
Avg EPS beat(12)-1.23%
EPS beat(16)6
Avg EPS beat(16)-2.35%
Revenue beat(2)0
Avg Revenue beat(2)-7.37%
Min Revenue beat(2)-11.68%
Max Revenue beat(2)-3.06%
Revenue beat(4)1
Avg Revenue beat(4)-4.77%
Min Revenue beat(4)-11.68%
Max Revenue beat(4)0.24%
Revenue beat(8)4
Avg Revenue beat(8)8.06%
Revenue beat(12)5
Avg Revenue beat(12)4.08%
Revenue beat(16)8
Avg Revenue beat(16)3.93%
PT rev (1m)0%
PT rev (3m)28.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)250%
EPS NY rev (1m)5.26%
EPS NY rev (3m)5.26%
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 13.95
P/S 1.53
P/FCF N/A
P/OCF N/A
P/B 0.65
P/tB 0.65
EV/EBITDA N/A
EPS(TTM)-2.51
EYN/A
EPS(NY)0.66
Fwd EY7.17%
FCF(TTM)-0.63
FCFYN/A
OCF(TTM)-0.52
OCFYN/A
SpS6.04
BVpS14.33
TBVpS14.16
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -1.43%
ROE -25.79%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-0.33%
ROA(5y)0.15%
ROE(3y)-6.36%
ROE(5y)0.76%
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 39.53%
Cap/Sales 1.78%
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-Score2
WACC34.21%
ROIC/WACCN/A
Cap/Depr(3y)159.06%
Cap/Depr(5y)117.49%
Cap/Sales(3y)6.69%
Cap/Sales(5y)4.93%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2030.77%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%125.93%
EPS Next Y112.79%
EPS Next 2Y48.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-15.69%
Revenue growth 3Y-4.92%
Revenue growth 5Y-0.63%
Sales Q2Q%3.05%
Revenue Next Year0.2%
Revenue Next 2YN/A
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-132.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-124.55%
OCF growth 3YN/A
OCF growth 5YN/A

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 1 / 10 to FGBI.


What is the valuation status of FIRST GUARANTY BANCSHARES IN (FGBI) stock?

ChartMill assigns a valuation rating of 3 / 10 to FIRST GUARANTY BANCSHARES IN (FGBI). This can be considered as Overvalued.


What is the profitability of FGBI stock?

FIRST GUARANTY BANCSHARES IN (FGBI) has a profitability rating of 1 / 10.


How sustainable is the dividend of FIRST GUARANTY BANCSHARES IN (FGBI) stock?

The dividend rating of FIRST GUARANTY BANCSHARES IN (FGBI) is 1 / 10 and the dividend payout ratio is -4.95%.