FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) Fundamental Analysis & Valuation

NASDAQ:FGBIP • US32043P2056

Current stock price

17.3001 USD
0 (0%)
Last:

This FGBIP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. FGBIP Profitability Analysis

1.1 Basic Checks

  • In the past year FGBIP has reported negative net income.
  • In the past year FGBIP had a positive cash flow from operations.
  • Of the past 5 years FGBIP 4 years were profitable.
  • FGBIP had a positive operating cash flow in 4 of the past 5 years.
FGBIP Yearly Net Income VS EBIT VS OCF VS FCFFGBIP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

  • FGBIP has a worse Return On Assets (-1.57%) than 95.79% of its industry peers.
  • FGBIP has a worse Return On Equity (-27.05%) than 97.37% of its industry peers.
Industry RankSector 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
FGBIP Yearly ROA, ROE, ROICFGBIP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • FGBIP's Profit Margin has declined in the last couple of years.
  • The Profit Margin and Operating Margin and Gross Margin are not available for FGBIP so they could not be analyzed.
Industry RankSector 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
FGBIP Yearly Profit, Operating, Gross MarginsFGBIP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. FGBIP Health Analysis

2.1 Basic Checks

  • FGBIP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for FGBIP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FGBIP Yearly Shares OutstandingFGBIP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
FGBIP Yearly Total Debt VS Total AssetsFGBIP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • The Debt to FCF ratio of FGBIP is 1.50, which is an excellent value as it means it would take FGBIP, only 1.50 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of FGBIP (1.50) is comparable to the rest of the industry.
  • FGBIP has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
  • FGBIP has a worse Debt to Equity ratio (0.23) than 61.05% of its industry peers.
  • Although FGBIP's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.5
Altman-Z N/A
ROIC/WACCN/A
WACC24.06%
FGBIP Yearly LT Debt VS Equity VS FCFFGBIP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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
FGBIP Yearly Current Assets VS Current LiabilitesFGBIP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. FGBIP Growth Analysis

3.1 Past

  • FGBIP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -493.83%.
EPS 1Y (TTM)-493.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%300%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-10.35%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y112.15%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.2%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FGBIP Yearly Revenue VS EstimatesFGBIP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
FGBIP Yearly EPS VS EstimatesFGBIP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2020 2021 2022 2023 2024 2025 2026 0 1 -1 2 -2 -3

More info and screens

Find the best growth stocksShow best growing peers

3

4. FGBIP Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for FGBIP. In the last year negative earnings were reported.
  • With a Price/Forward Earnings ratio of 44.63, FGBIP can be considered very expensive at the moment.
  • Based on the Price/Forward Earnings ratio, FGBIP is valued expensively inside the industry as 81.05% of the companies are valued cheaper.
  • When comparing the Price/Forward Earnings ratio of FGBIP to the average of the S&P500 Index (23.69), we can say FGBIP is valued expensively.
Industry RankSector Rank
PE N/A
Fwd PE 44.63
FGBIP Price Earnings VS Forward Price EarningsFGBIP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40

4.2 Price Multiples

  • 82.89% of the companies in the same industry are more expensive than FGBIP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.03
EV/EBITDA N/A
FGBIP Per share dataFGBIP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • FGBIP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. FGBIP Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.49%, FGBIP is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.73, FGBIP's dividend is way lower than its industry peers. On top of this 85.26% of the companies listed in the same industry pay a better dividend than FGBIP!
  • With a Dividend Yield of 0.49, FGBIP pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.49%

5.2 History

  • The dividend of FGBIP has a limited annual growth rate of 1.94%.
  • FGBIP has been paying a dividend for over 5 years, so it has already some track record.
  • FGBIP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)1.94%
Div Incr Years0
Div Non Decr Years4
FGBIP Yearly Dividends per shareFGBIP Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • The earnings of FGBIP are negative and hence is the payout ratio. FGBIP will probably not be able to sustain this dividend level.
  • The dividend of FGBIP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-4.78%
EPS Next 2YN/A
EPS Next 3YN/A
FGBIP Yearly Income VS Free CF VS DividendFGBIP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

More info and screens

Find the best dividend stocksShow peers with best dividend

FGBIP Fundamentals: All Metrics, Ratios and Statistics

FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP

NASDAQ:FGBIP (4/8/2026, 8:00:00 PM)

17.3001

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-26
Earnings (Next)04-27
Inst Owners4.98%
Inst Owner ChangeN/A
Ins Owners49.63%
Ins Owner ChangeN/A
Market Cap273.17M
Revenue(TTM)N/A
Net Income(TTM)-59.79M
Analysts43.33
Price Target15.97 (-7.69%)
Short Float %0.01%
Short Ratio0.32
Dividend
Industry RankSector Rank
Dividend Yield 0.49%
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP-4.78%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-13
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)-25.24%
EPS NQ rev (1m)144.83%
EPS NQ rev (3m)144.83%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 44.63
P/S 2.78
P/FCF 8.03
P/OCF 7.7
P/B 1.24
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)-3.19
EYN/A
EPS(NY)0.39
Fwd EY2.24%
FCF(TTM)2.15
FCFY12.45%
OCF(TTM)2.25
OCFY12.99%
SpS6.22
BVpS14
TBVpS13.82
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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
WACC24.06%
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)-493.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%300%
EPS Next Y112.15%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-10.35%
Revenue Next Year0.2%
Revenue Next 2YN/A
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 BANCSHRS - FGBI 6 3/4 PERP / FGBIP Fundamental Analysis FAQ

What is the fundamental rating for FGBIP stock?

ChartMill assigns a fundamental rating of 2 / 10 to FGBIP.


What is the valuation status for FGBIP stock?

ChartMill assigns a valuation rating of 3 / 10 to FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP). This can be considered as Overvalued.


Can you provide the profitability details for FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP?

FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) has a profitability rating of 1 / 10.


Can you provide the financial health for FGBIP stock?

The financial health rating of FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) is 3 / 10.