FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP (FGBIP) Stock Fundamental Analysis
USA - NASDAQ:FGBIP - US32043P2056
15.2499 USD
-0.15 (-0.98%)
Taking everything into account, FGBIP scores 1 out of 10 in our fundamental rating. FGBIP was compared to 390 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.
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.
FGBIP had positive earnings in each of the past 5 years.
In the past 5 years FGBIP always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of -0.32%, FGBIP is not doing good in the industry: 92.82% of the companies in the same industry are doing better.
FGBIP has a Return On Equity of -4.89%. This is amonst the worse of the industry: FGBIP underperforms 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
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 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
Compared to 1 year ago, FGBIP has an improved debt to assets ratio.
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.
FGBIP has a Debt to FCF ratio of 4.97. This is in the lower half of the industry: FGBIP underperforms 68.72% of its industry peers.
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 43.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 4.97 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC25.62%
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%.
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 has decreased by -5.95% in the past year.
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
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.
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 39.34, the valuation of FGBIP can be described as expensive.
Based on the Price/Forward Earnings ratio, FGBIP is valued expensively inside the industry as 80.26% of the companies are valued cheaper.
When comparing the Price/Forward Earnings ratio of FGBIP to the average of the S&P500 Index (32.68), we can say FGBIP is valued slightly more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 39.34 |
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 72.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.45 | ||
| 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 0.70%, FGBIP is not a good candidate for dividend investing.
The stock price of FGBIP dropped by -21.35% 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.
Compared to an average industry Dividend Yield of 3.42, FGBIP's dividend is way lower than its industry peers. On top of this 83.85% of the companies listed in the same industry pay a better dividend than FGBIP!
With a Dividend Yield of 0.70, FGBIP pays less dividend than the S&P500 average, which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.7% |
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-28.83%
EPS Next 2Y-30.82%
EPS Next 3YN/A
FIRST GUARANTY BANCSHRS - FGBI 6 3/4 PERP
NASDAQ:FGBIP (11/7/2025, 8:00:00 PM)
15.2499
-0.15 (-0.98%)
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 Cap230.58M
Revenue(TTM)101.15M
Net Income(TTM)-12.86M
Analysts43.33
Price Target20 (31.15%)
Short Float %0%
Short Ratio0.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.7% |
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 | 39.34 | ||
| P/S | 2.28 | ||
| P/FCF | 22.45 | ||
| P/OCF | 21.14 | ||
| P/B | 0.88 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.01
EYN/A
EPS(NY)0.39
Fwd EY2.54%
FCF(TTM)0.68
FCFY4.46%
OCF(TTM)0.72
OCFY4.73%
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
WACC25.62%
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.