17.14 USD
+0.14 (+0.82%)
Last: Feb 2, 2026, 08:04 PM
Taking everything into account, FGBIP scores 2 out of 10 in our fundamental rating. FGBIP was compared to 383 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.
- FGBIP had a positive operating cash flow in the past year.
- Each year in the past 5 years FGBIP has been profitable.
- Each year in the past 5 years FGBIP had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of FGBIP (-1.57%) is worse than 95.30% of its industry peers.
- FGBIP's Return On Equity of -27.05% is on the low side compared to the rest of the industry. FGBIP is outperformed by 96.34% of its industry peers.
| 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
- 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.
- FGBIP has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, FGBIP has an improved debt to assets ratio.
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 (1.50) which 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.
- The Debt to Equity ratio of FGBIP (0.23) is worse than 61.88% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC24.5%
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 -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.
- The Revenue for FGBIP has decreased by -12.15% in the past year. This is quite bad
- 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
- 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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- FGBIP reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- A Price/Forward Earnings ratio of 44.22 indicates a quite expensive valuation of FGBIP.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FGBIP indicates a rather expensive valuation: FGBIP more expensive than 80.16% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.64. FGBIP is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 44.22 |
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 83.55% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.73 | ||
| 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
- With a yearly dividend of 0.48%, FGBIP is not a good candidate for dividend investing.
- With a Dividend Yield of 0.48, FGBIP pays less dividend than the industry average, which is at 2.67. 85.38% of the companies listed in the same industry pay a better dividend than FGBIP!
- With a Dividend Yield of 0.48, FGBIP pays less dividend than the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.48% |
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-4.78%
EPS Next 2Y-30.82%
EPS Next 3YN/A
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 2 / 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%.