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FIRST GUARANTY BANCSHARES IN (FGBI) Stock Fundamental Analysis

NASDAQ:FGBI - Nasdaq - US32043P1066 - Common Stock - Currency: USD

8.08  -0.02 (-0.25%)

After market: 8.08 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FGBI. FGBI was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of FGBI have multiple concerns. FGBI has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FGBI was profitable.
In the past year FGBI had a positive cash flow from operations.
FGBI had positive earnings in each of the past 5 years.
In the past 5 years FGBI always reported a positive cash flow from operatings.
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

FGBI has a worse Return On Assets (0.04%) than 89.37% of its industry peers.
Looking at the Return On Equity, with a value of 0.65%, FGBI is doing worse than 88.86% of the companies in the same industry.
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

FGBI has a worse Profit Margin (1.45%) than 89.37% of its industry peers.
FGBI's Profit Margin has declined in the last couple of years.
FGBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
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.
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's Debt to FCF ratio of 1.86 is in line compared to the rest of the industry. FGBI outperforms 50.63% of its industry peers.
FGBI has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
FGBI has a Debt to Equity ratio of 0.26. This is in the lower half of the industry: FGBI underperforms 66.08% 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
WACC32.94%
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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5

3. Growth

3.1 Past

FGBI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -73.47%.
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 strong growth in Revenue. The Revenue has grown by 20.12%.
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)-73.47%
EPS 3Y-30.64%
EPS 5Y-9.59%
EPS Q2Q%-485.71%
Revenue 1Y (TTM)20.12%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-8.28%

3.2 Future

The Earnings Per Share is expected to grow by 23.95% on average over the next years. This is a very strong growth
Based on estimates for the next years, FGBI will show a small growth in Revenue. The Revenue will grow by 2.28% on average per year.
EPS Next Y12.07%
EPS Next 2Y23.95%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 2

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 62.15, FGBI can be considered very expensive at the moment.
87.85% of the companies in the same industry are cheaper than FGBI, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.35. FGBI is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 6.49, which indicates a rather cheap valuation of FGBI.
Based on the Price/Forward Earnings ratio, FGBI is valued cheaply inside the industry as 90.63% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of FGBI to the average of the S&P500 Index (22.19), we can say FGBI is valued rather cheaply.
Industry RankSector Rank
PE 62.15
Fwd PE 6.49
FGBI Price Earnings VS Forward Price EarningsFGBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

FGBI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FGBI is cheaper than 96.20% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.94
EV/EBITDA N/A
FGBI Per share dataFGBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FGBI does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as FGBI's earnings are expected to grow with 23.95% in the coming years.
PEG (NY)5.15
PEG (5Y)N/A
EPS Next 2Y23.95%
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.
Compared to an average industry Dividend Yield of 3.56, FGBI's dividend is way lower than its industry peers. On top of this 85.82% of the companies listed in the same industry pay a better dividend than FGBI!
Compared to an average S&P500 Dividend Yield of 2.42, FGBI's dividend is way lower than the S&P500 average.
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.
The dividend of FGBI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP339.36%
EPS Next 2Y23.95%
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 (6/20/2025, 8:00:00 PM)

After market: 8.08 0 (0%)

8.08

-0.02 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners7.01%
Inst Owner Change-9.83%
Ins Owners39.56%
Ins Owner Change0%
Market Cap104.15M
Analysts43.33
Price Target10.2 (26.24%)
Short Float %1.28%
Short Ratio3.78
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-Date06-23 2025-06-23 (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)-13.04%
PT rev (3m)-13.04%
EPS NQ rev (1m)-200%
EPS NQ rev (3m)-200%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-4.69%
Revenue NQ rev (3m)-4.69%
Revenue NY rev (1m)-3.73%
Revenue NY rev (3m)-3.73%
Valuation
Industry RankSector Rank
PE 62.15
Fwd PE 6.49
P/S 0.92
P/FCF 2.94
P/OCF 2.81
P/B 0.41
P/tB 0.44
EV/EBITDA N/A
EPS(TTM)0.13
EY1.61%
EPS(NY)1.24
Fwd EY15.4%
FCF(TTM)2.75
FCFY34.06%
OCF(TTM)2.88
OCFY35.64%
SpS8.81
BVpS19.51
TBVpS18.25
PEG (NY)5.15
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
WACC32.94%
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)-73.47%
EPS 3Y-30.64%
EPS 5Y-9.59%
EPS Q2Q%-485.71%
EPS Next Y12.07%
EPS Next 2Y23.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.12%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-8.28%
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%