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

NASDAQ:FGBIP - US32043P2056

18.9295 USD
+0.18 (+0.96%)
Last: 8/22/2025, 8:06:42 PM
Fundamental Rating

3

Taking everything into account, FGBIP scores 3 out of 10 in our fundamental rating. FGBIP was compared to 393 industry peers in the Banks industry. FGBIP has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, FGBIP is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FGBIP was profitable.
FGBIP had a positive operating cash flow in the past year.
FGBIP had positive earnings in each of the past 5 years.
Each year in the past 5 years FGBIP had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

FGBIP's Return On Assets of 0.04% is on the low side compared to the rest of the industry. FGBIP is outperformed by 89.06% of its industry peers.
FGBIP's Return On Equity of 0.65% is on the low side compared to the rest of the industry. FGBIP is outperformed by 88.55% of its industry peers.
Industry RankSector Rank
ROA 0.04%
ROE 0.65%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of FGBIP (1.45%) is worse than 89.06% of its industry peers.
In the last couple of years the Profit Margin of FGBIP has declined.
FGBIP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 1.45%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

FGBIP does not have a ROIC to compare to the WACC, probably because it is not profitable.
FGBIP has more shares outstanding than it did 1 year ago.
The number of shares outstanding for FGBIP has been increased compared to 5 years ago.
Compared to 1 year ago, FGBIP has an improved debt to assets ratio.
FGBIP Yearly Shares OutstandingFGBIP Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

FGBIP has a debt to FCF ratio of 1.86. This is a very positive value and a sign of high solvency as it would only need 1.86 years to pay back of all of its debts.
FGBIP has a Debt to FCF ratio of 1.86. This is comparable to the rest of the industry: FGBIP outperforms 51.65% of its industry peers.
FGBIP has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
FGBIP's Debt to Equity ratio of 0.26 is on the low side compared to the rest of the industry. FGBIP is outperformed by 65.39% of its industry peers.
Even though the debt/equity ratio score it not favorable for FGBIP, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.86
Altman-Z N/A
ROIC/WACCN/A
WACC23.86%
FGBIP Yearly LT Debt VS Equity VS FCFFGBIP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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3. Growth

3.1 Past

FGBIP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -73.47%.
Measured over the past years, FGBIP shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.59% on average per year.
FGBIP shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.12%.
FGBIP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.09% yearly.
EPS 1Y (TTM)-73.47%
EPS 3Y-30.64%
EPS 5Y-9.59%
EPS Q2Q%-485.71%
Revenue 1Y (TTM)20.12%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-8.28%

3.2 Future

FGBIP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.46% yearly.
The Revenue is expected to grow by 2.28% on average over the next years.
EPS Next Y-200.74%
EPS Next 2Y6.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.19%
Revenue Next 2Y2.28%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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.
FGBIP Yearly Revenue VS EstimatesFGBIP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 145.61, FGBIP can be considered very expensive at the moment.
FGBIP's Price/Earnings ratio is rather expensive when compared to the industry. FGBIP is more expensive than 88.04% of the companies in the same industry.
When comparing the Price/Earnings ratio of FGBIP to the average of the S&P500 Index (27.24), we can say FGBIP is valued expensively.
The Price/Forward Earnings ratio is 20.62, which indicates a rather expensive current valuation of FGBIP.
Based on the Price/Forward Earnings ratio, FGBIP is valued a bit more expensive than 79.13% of the companies in the same industry.
FGBIP's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 35.82.
Industry RankSector Rank
PE 145.61
Fwd PE 20.62
FGBIP Price Earnings VS Forward Price EarningsFGBIP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FGBIP indicates a rather cheap valuation: FGBIP is cheaper than 81.42% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.07
EV/EBITDA N/A
FGBIP Per share dataFGBIP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.46%
EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a yearly dividend of 0.52%, FGBIP is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.41, FGBIP's dividend is way lower than its industry peers. On top of this 85.75% of the companies listed in the same industry pay a better dividend than FGBIP!
Compared to an average S&P500 Dividend Yield of 2.36, FGBIP's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.52%

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 Years3
FGBIP Yearly Dividends per shareFGBIP Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

FGBIP pays out 339.36% of its income as dividend. This is not a sustainable payout ratio.
The dividend of FGBIP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP339.36%
EPS Next 2Y6.46%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
FGBIP Dividend Payout.FGBIP Dividend Payout, showing the Payout Ratio.FGBIP Dividend Payout.PayoutRetained Earnings

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FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP

NASDAQ:FGBIP (8/22/2025, 8:06:42 PM)

18.9295

+0.18 (+0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-25 2025-07-25/amc
Earnings (Next)10-29 2025-10-29/amc
Inst Owners5.95%
Inst Owner ChangeN/A
Ins Owners48.6%
Ins Owner ChangeN/A
Market Cap286.21M
Analysts43.33
Price Target23.89 (26.21%)
Short Float %0%
Short Ratio0.03
Dividend
Industry RankSector Rank
Dividend Yield 0.52%
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP339.36%
Div Incr Years0
Div Non Decr Years3
Ex-Date08-15 2025-08-15 (0.421875)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-153.87%
Min EPS beat(2)-411.42%
Max EPS beat(2)103.68%
EPS beat(4)3
Avg EPS beat(4)207.62%
Min EPS beat(4)-411.42%
Max EPS beat(4)978.43%
EPS beat(8)4
Avg EPS beat(8)95.58%
EPS beat(12)5
Avg EPS beat(12)60.8%
EPS beat(16)9
Avg EPS beat(16)48.89%
Revenue beat(2)0
Avg Revenue beat(2)-4.19%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)-3.8%
Revenue beat(4)2
Avg Revenue beat(4)16.47%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)63.04%
Revenue beat(8)4
Avg Revenue beat(8)8.2%
Revenue beat(12)6
Avg Revenue beat(12)6.05%
Revenue beat(16)10
Avg Revenue beat(16)7.21%
PT rev (1m)4.48%
PT rev (3m)2.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-200%
EPS NY rev (1m)0%
EPS NY rev (3m)-189.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.73%
Valuation
Industry RankSector Rank
PE 145.61
Fwd PE 20.62
P/S 2.52
P/FCF 8.07
P/OCF 7.71
P/B 1.14
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)0.13
EY0.69%
EPS(NY)0.92
Fwd EY4.85%
FCF(TTM)2.35
FCFY12.39%
OCF(TTM)2.46
OCFY12.97%
SpS7.51
BVpS16.63
TBVpS15.56
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.04%
ROE 0.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 1.45%
GM N/A
FCFM 31.24%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.86
Debt/EBITDA N/A
Cap/Depr 35.53%
Cap/Sales 1.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 2157.54%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC23.86%
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)-73.47%
EPS 3Y-30.64%
EPS 5Y-9.59%
EPS Q2Q%-485.71%
EPS Next Y-200.74%
EPS Next 2Y6.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.12%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-8.28%
Revenue Next Year1.19%
Revenue Next 2Y2.28%
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 1Y20.89%
FCF growth 3Y8.06%
FCF growth 5Y12.34%
OCF growth 1Y13.98%
OCF growth 3Y8.35%
OCF growth 5Y3.01%