5.03 USD
+0.14 (+2.86%)
FGBI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 385 industry peers in the Banks industry. FGBI has a bad profitability rating. Also its financial health evaluation is rather negative. FGBI does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year FGBI has reported negative net income.
FGBI had a positive operating cash flow in the past year.
In the past 5 years FGBI has always 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: 95.58% 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 96.62% 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
FGBI's Profit Margin has declined in the last couple of years.
The Profit Margin and 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) | 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.
FGBI has more shares outstanding than it did 5 years ago.
FGBI has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FGBI is 1.50, which is an excellent value as it means it would take FGBI, only 1.50 years of fcf income to pay off all of its debts.
FGBI has a Debt to FCF ratio of 1.50. This is comparable to the rest of the industry: FGBI outperforms 55.06% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that FGBI is not too dependend on debt financing.
FGBI has a Debt to Equity ratio of 0.23. This is in the lower half of the industry: FGBI underperforms 62.34% 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
WACC34.49%
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.
Measured over the past years, FGBI shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.59% on average per year.
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
Based on estimates for the next years, FGBI will show a very negative growth in Earnings Per Share. The EPS will decrease by -30.82% on average per year.
The Revenue is expected to grow by 0.42% on average over the next years.
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.
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.
FGBI is valuated correctly with a Price/Forward Earnings ratio of 12.98.
Based on the Price/Forward Earnings ratio, FGBI is valued a bit more expensive than 67.53% of the companies in the same industry.
FGBI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.66.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 12.98 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FGBI is valued cheaply inside the industry as 97.92% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FGBI's earnings are expected to decrease with -30.82% in the coming years. This may justify a cheaper valuation.
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 0.85%, which is pretty low.
The stock price of FGBI dropped by -39.03% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 2.70, FGBI's dividend is way lower than its industry peers. On top of this 83.38% of the companies listed in the same industry pay a better dividend than FGBI!
With a Dividend Yield of 0.85, FGBI pays less dividend than the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
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
FGBI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-4.78%
EPS Next 2Y-30.82%
EPS Next 3YN/A
NASDAQ:FGBI (12/16/2025, 8:22:53 PM)
5.03
+0.14 (+2.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners5.59%
Inst Owner Change-1.55%
Ins Owners48.27%
Ins Owner Change30.71%
Market Cap77.21M
Revenue(TTM)98.15M
Net Income(TTM)-59.79M
Analysts43.33
Price Target9.18 (82.5%)
Short Float %0.9%
Short Ratio2.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP-4.78%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1550%
EPS NY rev (1m)0%
EPS NY rev (3m)-120%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 12.98 | ||
| P/S | 0.79 | ||
| P/FCF | 2.27 | ||
| P/OCF | 2.18 | ||
| P/B | 0.35 | ||
| P/tB | 0.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)-3.28
EYN/A
EPS(NY)0.39
Fwd EY7.71%
FCF(TTM)2.22
FCFY44.06%
OCF(TTM)2.31
OCFY45.95%
SpS6.39
BVpS14.4
TBVpS14.22
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC34.49%
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 for 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.
What is the expected EPS growth for FIRST GUARANTY BANCSHARES IN (FGBI) stock?
The Earnings per Share (EPS) of FIRST GUARANTY BANCSHARES IN (FGBI) is expected to decline by -321.63% in the next year.