15.4624 USD
+0.32 (+2.14%)
Overall FGBIP gets a fundamental rating of 2 out of 10. We evaluated FGBIP against 388 industry peers in the Banks industry. Both the profitability and financial health of FGBIP have multiple concerns. FGBIP does not seem to be growing, but still is valued expensively.
1. Profitability
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.
In the past 5 years FGBIP has always been profitable.
FGBIP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of -1.57%, FGBIP is not doing good in the industry: 95.62% of the companies in the same industry are doing better.
FGBIP has a Return On Equity of -27.05%. This is amonst the worse of the industry: FGBIP underperforms 96.65% 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
FGBIP's Profit Margin has declined in the last couple of years.
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
FGBIP has a debt to FCF ratio of 1.50. This is a very positive value and a sign of high solvency as it would only need 1.50 years to pay back of 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 55.15% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that FGBIP is not too dependend on debt financing.
The Debt to Equity ratio of FGBIP (0.23) is worse than 62.11% of its industry peers.
Although FGBIP does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC25.42%
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.
Looking at the last year, FGBIP shows a very negative growth in Revenue. The Revenue has decreased by -12.15% in the last year.
Measured over the past years, FGBIP shows a quite strong growth in Revenue. The Revenue has been growing by 10.09% on average per year.
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
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 39.89.
Based on the Price/Forward Earnings ratio, FGBIP is valued a bit more expensive than the industry average as 79.90% of the companies are valued more cheaply.
FGBIP is valuated expensively when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 39.89 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FGBIP is valued cheaper than 86.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.98 | ||
| EV/EBITDA | N/A |
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
5. Dividend
5.1 Amount
FGBIP has a yearly dividend return of 0.78%, which is pretty low.
Compared to an average industry Dividend Yield of 2.74, FGBIP's dividend is way lower than its industry peers. On top of this 83.76% of the companies listed in the same industry pay a better dividend than FGBIP!
With a Dividend Yield of 0.78, FGBIP pays less dividend than the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
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
FGBIP has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-4.78%
EPS Next 2Y-30.82%
EPS Next 3YN/A
FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP
NASDAQ:FGBIP (12/22/2025, 8:00:00 PM)
15.4624
+0.32 (+2.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners5.59%
Inst Owner ChangeN/A
Ins Owners48.27%
Ins Owner ChangeN/A
Market Cap237.35M
Revenue(TTM)98.15M
Net Income(TTM)-59.79M
Analysts43.33
Price Target29.42 (90.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
Yearly Dividend0.6
Dividend Growth(5Y)1.94%
DP-4.78%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)21.6%
PT rev (3m)44.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1550%
EPS NY rev (1m)0%
EPS NY rev (3m)-120%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 39.89 | ||
| P/S | 2.42 | ||
| P/FCF | 6.98 | ||
| P/OCF | 6.69 | ||
| P/B | 1.07 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)-3.28
EYN/A
EPS(NY)0.39
Fwd EY2.51%
FCF(TTM)2.22
FCFY14.33%
OCF(TTM)2.31
OCFY14.95%
SpS6.39
BVpS14.4
TBVpS14.22
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC25.42%
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.
Can you provide the valuation status for FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP?
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 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 3 / 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.