5.1 USD
+0.26 (+5.37%)
FGBI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. FGBI has a bad profitability rating. Also its financial health evaluation is rather negative. FGBI has a expensive valuation and it also scores bad on growth.
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.
In the past 5 years FGBI always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of FGBI (-0.32%) is worse than 92.78% of its industry peers.
FGBI's Return On Equity of -4.89% is on the low side compared to the rest of the industry. FGBI is outperformed by 94.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.32% | ||
| ROE | -4.89% | ||
| 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.
The number of shares outstanding for FGBI has been increased compared to 5 years ago.
FGBI has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FGBI is 4.97, which is a neutral value as it means it would take FGBI, 4.97 years of fcf income to pay off all of its debts.
FGBI's Debt to FCF ratio of 4.97 is on the low side compared to the rest of the industry. FGBI is outperformed by 69.59% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that FGBI is not too dependend on debt financing.
FGBI has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: FGBI outperforms 43.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 4.97 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC34.4%
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 -221.69% in the last year.
The Earnings Per Share has been decreasing by -9.59% on average over the past years.
FGBI shows a decrease in Revenue. In the last year, the revenue decreased by -5.95%.
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)-221.69%
EPS 3Y-30.64%
EPS 5Y-9.59%
EPS Q2Q%-215.09%
Revenue 1Y (TTM)-5.95%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-37.9%
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
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 13.16, FGBI is valued correctly.
FGBI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FGBI is more expensive than 69.07% of the companies in the same industry.
FGBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 13.16 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FGBI is valued cheaply inside the industry as 83.76% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.51 | ||
| 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 0.83%, which is pretty low.
In the last 3 months the price of FGBI has falen by -34.95%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
With a Dividend Yield of 0.83, FGBI pays less dividend than the industry average, which is at 3.35. 84.02% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
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-28.83%
EPS Next 2Y-30.82%
EPS Next 3YN/A
NASDAQ:FGBI (11/21/2025, 8:00:00 PM)
5.1
+0.26 (+5.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners5.77%
Inst Owner Change-1.55%
Ins Owners48.71%
Ins Owner Change37.17%
Market Cap77.11M
Revenue(TTM)101.15M
Net Income(TTM)-12.86M
Analysts43.33
Price Target9.18 (80%)
Short Float %0.36%
Short Ratio1.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP-28.83%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-305.22%
Min EPS beat(2)-411.42%
Max EPS beat(2)-199.02%
EPS beat(4)2
Avg EPS beat(4)117.92%
Min EPS beat(4)-411.42%
Max EPS beat(4)978.43%
EPS beat(8)4
Avg EPS beat(8)74.89%
EPS beat(12)4
Avg EPS beat(12)44.1%
EPS beat(16)8
Avg EPS beat(16)35.25%
Revenue beat(2)1
Avg Revenue beat(2)-2.16%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)0.24%
Revenue beat(4)2
Avg Revenue beat(4)0.77%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)11.22%
Revenue beat(8)5
Avg Revenue beat(8)9.66%
Revenue beat(12)6
Avg Revenue beat(12)5.58%
Revenue beat(16)10
Avg Revenue beat(16)6.39%
PT rev (1m)5.88%
PT rev (3m)-10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-255.56%
EPS NY rev (1m)0%
EPS NY rev (3m)-120%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 13.16 | ||
| P/S | 0.76 | ||
| P/FCF | 7.51 | ||
| P/OCF | 7.07 | ||
| P/B | 0.29 | ||
| P/tB | 0.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.01
EYN/A
EPS(NY)0.39
Fwd EY7.6%
FCF(TTM)0.68
FCFY13.32%
OCF(TTM)0.72
OCFY14.14%
SpS6.69
BVpS17.4
TBVpS16.34
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.32% | ||
| ROE | -4.89% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 10.16% |
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 | 0.19 | ||
| Debt/FCF | 4.97 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 14.26% | ||
| Cap/Sales | 0.63% | ||
| 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
WACC34.4%
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)-221.69%
EPS 3Y-30.64%
EPS 5Y-9.59%
EPS Q2Q%-215.09%
EPS Next Y-321.63%
EPS Next 2Y-30.82%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.95%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-37.9%
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 1Y-54.36%
FCF growth 3Y8.06%
FCF growth 5Y12.34%
OCF growth 1Y-61.3%
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 3 / 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.