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

USA - Nasdaq - NASDAQ:FGBIP - US32043P2056

15.665 USD
+0.24 (+1.59%)
Last: 12/3/2025, 8:25:13 PM
Fundamental Rating

2

Overall FGBIP gets a fundamental rating of 2 out of 10. We evaluated FGBIP against 387 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

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2

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.
FGBIP had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

FGBIP has a Return On Assets of -0.32%. This is amonst the worse of the industry: FGBIP underperforms 92.51% 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 94.57% of its industry peers.
Industry RankSector 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
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

FGBIP's Profit Margin has declined in the last couple of years.
FGBIP does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

FGBIP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FGBIP has more shares outstanding
Compared to 5 years ago, FGBIP has more shares outstanding
FGBIP has a better debt/assets ratio than last year.
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 4.97. This is a neutral value as FGBIP would need 4.97 years to pay back of all of its debts.
With a Debt to FCF ratio value of 4.97, FGBIP is not doing good in the industry: 70.80% of the companies in the same industry are doing better.
FGBIP has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.19, FGBIP is in line with its industry, outperforming 43.93% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 4.97
Altman-Z N/A
ROIC/WACCN/A
WACC25.24%
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

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.
FGBIP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.78%.
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)18.78%
Revenue growth 3Y4.07%
Revenue growth 5Y10.09%
Sales Q2Q%-10.08%

3.2 Future

The Earnings Per Share is expected to decrease by -30.82% on average over the next years. This is quite bad
FGBIP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.42% yearly.
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 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 -1 2

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FGBIP. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 40.42 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 80.10% of the companies listed in the same industry.
FGBIP is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 36.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 40.42
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 more expensive when compared to the industry. FGBIP is more expensive than 72.35% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.41
EV/EBITDA N/A
FGBIP Per share dataFGBIP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

FGBIP's earnings are expected to decrease with -30.82% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-30.82%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

FGBIP has a yearly dividend return of 0.83%, which is pretty low.
Compared to an average industry Dividend Yield of 3.15, FGBIP's dividend is way lower than its industry peers. On top of this 82.95% of the companies listed in the same industry pay a better dividend than FGBIP!
With a Dividend Yield of 0.83, FGBIP pays less dividend than the S&P500 average, which is at 2.32.
Industry RankSector Rank
Dividend Yield 0.83%

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 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-28.83%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP

NASDAQ:FGBIP (12/3/2025, 8:25:13 PM)

15.665

+0.24 (+1.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-31 2025-10-31/bmo
Earnings (Next)02-03 2026-02-03/amc
Inst Owners5.77%
Inst Owner ChangeN/A
Ins Owners48.71%
Ins Owner ChangeN/A
Market Cap240.46M
Revenue(TTM)113.18M
Net Income(TTM)-12.86M
Analysts43.33
Price Target25.07 (60.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.83%
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP-28.83%
Div Incr Years0
Div Non Decr Years3
Ex-Date11-14 2025-11-14 (0.421875)
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)25.33%
PT rev (3m)4.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-255.56%
EPS NY rev (1m)0%
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 RankSector Rank
PE N/A
Fwd PE 40.42
P/S 2.38
P/FCF 23.41
P/OCF 22.05
P/B 0.91
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)-3.28
EYN/A
EPS(NY)0.39
Fwd EY2.47%
FCF(TTM)0.67
FCFY4.27%
OCF(TTM)0.71
OCFY4.54%
SpS6.59
BVpS17.14
TBVpS16.1
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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
WACC25.24%
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)18.78%
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 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 2 / 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.