8.24 USD
+0.05 (+0.61%)
We assign a fundamental rating of 2 out of 10 to FGBI. FGBI was compared to 383 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.
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.
- 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.
1.2 Ratios
- With a Return On Assets value of -1.57%, FGBI is not doing good in the industry: 95.04% of the companies in the same industry are doing better.
- FGBI's Return On Equity of -27.05% is on the low side compared to the rest of the industry. FGBI is outperformed by 96.08% 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.
- 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.
- The debt/assets ratio for FGBI has been reduced compared to a year ago.
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.
- The Debt to FCF ratio of FGBI (1.50) is comparable to the rest of the industry.
- FGBI has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of FGBI (0.23) is worse than 61.88% of its industry peers.
- 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
WACC30.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for FGBI have decreased strongly by -490.48% 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.
- The Revenue for FGBI has decreased by -12.15% in the past year. This is quite bad
- FGBI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.09% yearly.
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
- The Earnings Per Share is expected to decrease by -30.82% on average over the next years. This is quite bad
- 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
- 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
- FGBI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- With a Price/Forward Earnings ratio of 21.26, FGBI is valued on the expensive side.
- 79.11% of the companies in the same industry are cheaper than FGBI, based on the Price/Forward Earnings ratio.
- FGBI's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 21.26 |
4.2 Price Multiples
- FGBI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FGBI is cheaper than 95.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.72 | ||
| EV/EBITDA | N/A |
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
5. Dividend
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 2.64. 84.86% 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 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.48% |
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
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
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.