FIRST GUARANTY BANCSHARES IN (FGBI) Stock Fundamental Analysis

NASDAQ:FGBI • US32043P1066

9.235 USD
+0.13 (+1.37%)
Last: Feb 25, 2026, 04:30 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

FGBI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. Both the profitability and financial health of FGBI have multiple concerns. FGBI is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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.
  • FGBI had positive earnings in each of the past 5 years.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

  • With a Return On Assets value of -1.57%, FGBI is not doing good in the industry: 95.25% of the companies in the same industry are doing better.
  • FGBI has a worse Return On Equity (-27.05%) than 96.31% of its industry peers.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

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.
  • Compared to 5 years ago, FGBI has more shares outstanding
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 1.50, FGBI is in line with its industry, outperforming 55.94% of the companies in the same industry.
  • A Debt/Equity ratio of 0.23 indicates that FGBI is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.23, FGBI is not doing good in the industry: 60.95% of the companies in the same industry are doing better.
  • 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 0.23
Debt/FCF 1.5
Altman-Z N/A
ROIC/WACCN/A
WACC29.51%
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

More info and screens

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

2

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%.
  • The Earnings Per Share has been decreasing by -9.59% on average over the past years.
  • FGBI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.15%.
  • 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.
  • 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 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

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for FGBI. In the last year negative earnings were reported.
  • Based on the Price/Forward Earnings ratio of 23.83, the valuation of FGBI can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, FGBI is valued a bit more expensive than 78.89% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.03. FGBI is around the same levels.
Industry RankSector Rank
PE N/A
Fwd PE 23.83
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

  • 94.20% 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 4.29
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

  • A cheap valuation may be justified as FGBI's earnings are expected to decrease with -30.82% in the coming years.
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. Dividend

5.1 Amount

  • FGBI has a yearly dividend return of 0.43%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.74, FGBI's dividend is way lower than its industry peers. On top of this 86.54% of the companies listed in the same industry pay a better dividend than FGBI!
  • With a Dividend Yield of 0.43, FGBI pays less dividend than the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 0.43%

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

More info and screens

Find the best dividend stocksShow peers with best dividend

FIRST GUARANTY BANCSHARES IN

NASDAQ:FGBI (2/25/2026, 4:30:00 PM)

9.235

+0.13 (+1.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners5.59%
Inst Owner Change1.73%
Ins Owners48.42%
Ins Owner Change1.76%
Market Cap145.82M
Revenue(TTM)98.15M
Net Income(TTM)-59.79M
Analysts43.33
Price Target7.14 (-22.69%)
Short Float %2.11%
Short Ratio6.26
Dividend
Industry RankSector Rank
Dividend Yield 0.43%
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)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 23.83
P/S 1.49
P/FCF 4.29
P/OCF 4.11
P/B 0.66
P/tB 0.67
EV/EBITDA N/A
EPS(TTM)-3.28
EYN/A
EPS(NY)0.39
Fwd EY4.2%
FCF(TTM)2.15
FCFY23.33%
OCF(TTM)2.25
OCFY24.33%
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
WACC29.51%
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 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 3 / 10.