8.39 USD
+0.15 (+1.82%)
Overall FGBI gets a fundamental rating of 2 out of 10. We evaluated FGBI against 383 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
- In the past year FGBI has reported negative net income.
- In the past year FGBI had a positive cash flow from operations.
- 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: 95.04% of the companies in the same industry are doing better.
- With a Return On Equity value of -27.05%, FGBI is not doing good in the industry: 96.08% of the companies in the same industry are doing better.
| 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.
- FGBI has more shares outstanding than it did 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.
- FGBI has a Debt to FCF ratio (1.50) which is in line with its industry peers.
- A Debt/Equity ratio of 0.23 indicates that FGBI is not too dependend on debt financing.
- The Debt to Equity ratio of FGBI (0.23) is worse than 61.88% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC30.67%
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 -490.48%.
- 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.
- Looking at the last year, FGBI shows a very negative growth in Revenue. The Revenue has decreased by -12.15% in the last year.
- 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.
- FGBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.42% yearly.
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 21.65, FGBI is valued on the expensive side.
- FGBI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FGBI is more expensive than 79.11% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.95. FGBI is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 21.65 |
4.2 Price Multiples
- 94.78% of the companies in the same industry are more expensive than FGBI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.79 | ||
| 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
- With a yearly dividend of 0.48%, FGBI is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.60, FGBI's dividend is way lower than its industry peers. On top of this 84.60% 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
- 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
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.