FIRST GUARANTY BANCSHARES IN (FGBI)
US32043P1066 - Common Stock
Taking everything into account, FGBI scores 3 out of 10 in our fundamental rating. FGBI was compared to 412 industry peers in the Banks industry. FGBI has a bad profitability rating. Also its financial health evaluation is rather negative. FGBI is valied quite expensively at the moment, while it does show a decent growth rate. FGBI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
FGBI had positive 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.
1.2 Ratios
The Return On Assets of FGBI (0.19%) is worse than 91.26% of its industry peers.
FGBI has a Return On Equity of 2.76%. This is amonst the worse of the industry: FGBI underperforms 88.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.19% | ||
| ROE | 2.76% | ||
| ROIC | N/A |
ROA(3y)0.65%
ROA(5y)0.69%
ROE(3y)8.55%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 7.23%, FGBI is doing worse than 91.50% of the companies in the same industry.
In the last couple of years the Profit Margin of FGBI has declined.
The Operating Margin and Gross Margin are not available for FGBI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 7.23% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-29.47%
PM growth 5Y-20.52%
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.
Compared to 1 year ago, FGBI has more shares outstanding
The number of shares outstanding for FGBI has been increased compared to 5 years ago.
Compared to 1 year ago, FGBI has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FGBI is 10.26, which is on the high side as it means it would take FGBI, 10.26 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 10.26, FGBI is not doing good in the industry: 78.16% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.28 indicates that FGBI is not too dependend on debt financing.
FGBI has a Debt to Equity ratio (0.28) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 10.26 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC25.58%
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 -74.90%.
Measured over the past years, FGBI shows a very strong growth in Earnings Per Share. The EPS has been growing by 34.57% on average per year.
Looking at the last year, FGBI shows a very negative growth in Revenue. The Revenue has decreased by -14.20% in the last year.
Measured over the past years, FGBI shows a quite strong growth in Revenue. The Revenue has been growing by 8.87% on average per year.
EPS 1Y (TTM)-74.9%
EPS 3Y-9%
EPS 5Y34.57%
EPS growth Q2Q-85.71%
Revenue 1Y (TTM)-14.2%
Revenue growth 3Y-1.1%
Revenue growth 5Y8.87%
Revenue growth Q2Q-8.46%
3.2 Future
Based on estimates for the next years, FGBI will show a very strong growth in Earnings Per Share. The EPS will grow by 23.36% on average per year.
Based on estimates for the next years, FGBI will show a quite strong growth in Revenue. The Revenue will grow by 10.95% on average per year.
EPS Next Y9.4%
EPS Next 2Y23.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.21%
Revenue Next 2Y10.95%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 16.61, the valuation of FGBI can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of FGBI indicates a rather expensive valuation: FGBI more expensive than 81.55% of the companies listed in the same industry.
FGBI is valuated rather cheaply when we compare the Price/Earnings ratio to 24.76, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 15.19, which indicates a correct valuation of FGBI.
Based on the Price/Forward Earnings ratio, FGBI is valued a bit more expensive than 71.60% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FGBI to the average of the S&P500 Index (21.26), we can say FGBI is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.61 | ||
| Fwd PE | 15.19 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FGBI indicates a slightly more expensive valuation: FGBI is more expensive than 77.43% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FGBI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
FGBI's earnings are expected to grow with 23.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.77
PEG (5Y)0.48
EPS Next 2Y23.36%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FGBI has a Yearly Dividend Yield of 6.36%, which is a nice return.
FGBI's Dividend Yield is rather good when compared to the industry average which is at 3.92. FGBI pays more dividend than 91.50% of the companies in the same industry.
FGBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.36% |
5.2 History
The dividend of FGBI is nicely growing with an annual growth rate of 9.69%!
FGBI has been paying a dividend for at least 10 years, so it has a reliable track record.
FGBI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)9.69%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
FGBI pays out 140.73% of its income as dividend. This is not a sustainable payout ratio.
FGBI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP140.73%
EPS Next 2Y23.36%
EPS Next 3YN/A
FIRST GUARANTY BANCSHARES IN
NASDAQ:FGBI (4/19/2024, 3:30:01 PM)
10.3
+0.6 (+6.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap128.75M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.36% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.61 | ||
| Fwd PE | 15.19 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.77
PEG (5Y)0.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.19% | ||
| ROE | 2.76% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 7.23% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-74.9%
EPS 3Y-9%
EPS 5Y
EPS growth Q2Q
EPS Next Y9.4%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-14.2%
Revenue growth 3Y-1.1%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y