FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) Stock Fundamental Analysis
USA - NASDAQ:FGBIP - US32043P2056
15.4001 USD
-0.45 (-2.84%)
Overall FGBIP gets a fundamental rating of 1 out of 10. We evaluated FGBIP against 390 industry peers in the Banks industry. FGBIP may be in some trouble as it scores bad on both profitability and health. FGBIP has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
FGBIP had negative earnings in the past year.
In the past year FGBIP had a positive cash flow from operations.
Each year in the past 5 years FGBIP has been profitable.
FGBIP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FGBIP (-0.32%) is worse than 92.82% of its industry peers.
FGBIP's Return On Equity of -4.89% is on the low side compared to the rest of the industry. FGBIP is outperformed by 94.10% 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
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 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
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.
Compared to 5 years ago, FGBIP has more shares outstanding
The debt/assets ratio for FGBIP has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of FGBIP is 4.97, which is a neutral value as it means it would take FGBIP, 4.97 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FGBIP (4.97) is worse than 68.72% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that FGBIP is not too dependend on debt financing.
FGBIP's Debt to Equity ratio of 0.19 is in line compared to the rest of the industry. FGBIP outperforms 43.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 4.97 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC25.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FGBIP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -221.69%.
FGBIP shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.59% yearly.
FGBIP shows a decrease in Revenue. In the last year, the revenue decreased by -5.95%.
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)-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
FGBIP is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -30.82% yearly.
The Revenue is expected to grow by 0.42% on average over the next years.
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
The Price/Earnings Ratio is negative for FGBIP. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 39.73, the valuation of FGBIP can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FGBIP indicates a rather expensive valuation: FGBIP more expensive than 80.26% of the companies listed in the same industry.
FGBIP's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 39.73 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FGBIP is valued a bit more expensive than 73.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.67 | ||
| EV/EBITDA | N/A |
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
5. Dividend
5.1 Amount
FGBIP has a yearly dividend return of 0.69%, which is pretty low.
The stock price of FGBIP dropped by -20.58% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
With a Dividend Yield of 0.69, FGBIP pays less dividend than the industry average, which is at 3.43. 84.10% of the companies listed in the same industry pay a better dividend than FGBIP!
Compared to an average S&P500 Dividend Yield of 2.39, FGBIP's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
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
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-28.83%
EPS Next 2Y-30.82%
EPS Next 3YN/A
FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP
NASDAQ:FGBIP (11/6/2025, 4:30:00 PM)
15.4001
-0.45 (-2.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners5.77%
Inst Owner ChangeN/A
Ins Owners48.71%
Ins Owner ChangeN/A
Market Cap232.85M
Revenue(TTM)101.15M
Net Income(TTM)-12860000
Analysts43.33
Price Target20 (29.87%)
Short Float %0%
Short Ratio0.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP-28.83%
Div Incr Years0
Div Non Decr Years3
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)-1.69%
PT rev (3m)-10.03%
EPS NQ rev (1m)-255.56%
EPS NQ rev (3m)-255.56%
EPS NY rev (1m)-41.94%
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 | 39.73 | ||
| P/S | 2.3 | ||
| P/FCF | 22.67 | ||
| P/OCF | 21.35 | ||
| P/B | 0.89 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.01
EYN/A
EPS(NY)0.39
Fwd EY2.52%
FCF(TTM)0.68
FCFY4.41%
OCF(TTM)0.72
OCFY4.68%
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
WACC25.56%
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 BANCSHRS - FGBI 6 3/4 PERP / FGBIP FAQ
What is the fundamental rating for FGBIP stock?
ChartMill assigns a fundamental rating of 1 / 10 to FGBIP.
Can you provide the valuation status for FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP?
ChartMill assigns a valuation rating of 0 / 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 financial health of FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) stock?
The financial health rating of FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) is 1 / 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.