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

NASDAQ:FGBIP • US32043P2056

17.94 USD
-0.05 (-0.28%)
Last: Mar 6, 2026, 08:17 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

2

Taking everything into account, FGBIP scores 2 out of 10 in our fundamental rating. FGBIP was compared to 379 industry peers in the Banks industry. FGBIP has a bad profitability rating. Also its financial health evaluation is rather negative. FGBIP does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

2

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

  • FGBIP's Return On Assets of -1.57% is on the low side compared to the rest of the industry. FGBIP is outperformed by 96.04% of its industry peers.
  • Looking at the Return On Equity, with a value of -27.05%, FGBIP is doing worse than 97.10% of the companies in the same industry.
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

  • In the last couple of years the Profit Margin of FGBIP has declined.
  • 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

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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.
  • FGBIP has more shares outstanding than it did 1 year ago.
  • FGBIP has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FGBIP has been reduced compared to a year ago.
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.
  • FGBIP has a Debt to FCF ratio of 1.50. This is comparable to the rest of the industry: FGBIP outperforms 55.94% of its industry peers.
  • FGBIP has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
  • FGBIP's Debt to Equity ratio of 0.23 is on the low side compared to the rest of the industry. FGBIP is outperformed by 61.48% 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
WACC23.73%
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

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

2

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 -490.48%.
  • 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 very negative growth in Revenue. In the last year, the Revenue has decreased by -12.15%.
  • 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)-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, FGBIP will show a very negative growth in Earnings Per Share. The EPS will decrease by -30.82% on average per year.
  • Based on estimates for the next years, FGBIP 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

  • 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.
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

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Find the best growth stocksShow best growing peers

1

4. FGBIP Valuation Analysis

4.1 Price/Earnings Ratio

  • FGBIP reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • FGBIP is valuated quite expensively with a Price/Forward Earnings ratio of 46.28.
  • Based on the Price/Forward Earnings ratio, FGBIP is valued expensively inside the industry as 80.47% of the companies are valued cheaper.
  • When comparing the Price/Forward Earnings ratio of FGBIP to the average of the S&P500 Index (24.57), we can say FGBIP is valued expensively.
Industry RankSector Rank
PE N/A
Fwd PE 46.28
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

  • FGBIP's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FGBIP is cheaper than 78.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.33
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

  • A cheap valuation may be justified as FGBIP'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

More info and screens

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

4

5. FGBIP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 9.38%, FGBIP is 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 87.07% of the companies listed in the same industry pay a better dividend than FGBIP!
  • Compared to an average S&P500 Dividend Yield of 1.82, FGBIP pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.38%

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 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.
DP-4.78%
EPS Next 2Y-30.82%
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

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FGBIP Fundamentals: All Metrics, Ratios and Statistics

FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP

NASDAQ:FGBIP (3/6/2026, 8:17:05 PM)

17.94

-0.05 (-0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners4.98%
Inst Owner ChangeN/A
Ins Owners49.63%
Ins Owner ChangeN/A
Market Cap283.27M
Revenue(TTM)98.15M
Net Income(TTM)-59.79M
Analysts43.33
Price Target15.97 (-10.98%)
Short Float %0.01%
Short Ratio0.11
Dividend
Industry RankSector Rank
Dividend Yield 9.38%
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP-4.78%
Div Incr Years0
Div Non Decr Years3
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)-36.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
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 46.28
P/S 2.89
P/FCF 8.33
P/OCF 7.98
P/B 1.28
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)-3.28
EYN/A
EPS(NY)0.39
Fwd EY2.16%
FCF(TTM)2.15
FCFY12.01%
OCF(TTM)2.25
OCFY12.52%
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
WACC23.73%
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 BANCSHRS - FGBI 6 3/4 PERP / FGBIP FAQ

What is the fundamental rating for FGBIP stock?

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


What is the valuation status of FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) stock?

ChartMill assigns a valuation rating of 1 / 10 to FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP). This can be considered as Overvalued.


How profitable is FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) stock?

FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) has a profitability rating of 2 / 10.


What is the expected EPS growth for FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) stock?

The Earnings per Share (EPS) of FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) is expected to decline by -321.63% in the next year.


Is the dividend of FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP sustainable?

The dividend rating of FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) is 2 / 10 and the dividend payout ratio is -4.78%.