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First Guaranty Bancshares, Inc. FGBI FINANCIAL

Financial Services · Banks - Regional · United States
https://www.fgb.net
Company Profile ↓
$8.18
+2.30% 1Y
Mkt Cap$135.29M
P/E-3.02
P/B0.67
Div. Yield0.49%
52W High$10.72
52W Low$4.39
Book Value$11.75
EPS (TTM)$-2.71

Company Overview

First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It offers various deposit products, such as personal and business checking, savings, money market, and demand deposits accounts, as well as time deposits to consumers, small businesses, and municipalities. The company provides loans, such as non-farm, non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, multifamily loans, construction and land development loans, agricultural loans, farmland loans, and consumer and other loans to small to medium-sized businesses and professionals, and individuals. In addition, it offers a range of consumer services, including credit cards, mobile deposit capture, safe deposit boxes, official checks, online and mobile banking, automated teller machines, and online bill pay; provides additional solutions, such as merchant services, remote deposit capture, and lockbox services to business customers; and invests a portion of its assets in securities issued by the United States Government and its agencies, state and municipal obligations, corporate debt securities, mutual funds, and equity securities, as well as invests in mortgage-backed securities primarily issued or guaranteed by United States Government agencies or enterprises. The company was founded in 1934 and is headquartered in Hammond, Louisiana.

Why Investors Should Care

Healthy Margins

Operating margin of 20.2% supports profitability.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +176.8%, earnings -550.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:176.80%

Compounded Profit Growth

5 Years:-
1 Year:-550.05%

Stock Price Performance

1 Year:+2.30%
6 Months:-0.63%
3 Months:-16.44%
1 Month:-14.79%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 60% of range
$4.39 $10.72
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)40.15 · Neutral
Price Performance
1M-14.79%
3M-16.44%
6M-0.63%
1Y+2.30%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
-3.02
Industry PE
12.89
Forward P/E
12.58
PEG Ratio
-
Book Value
$11.75
Price to Book
0.67
P/S
3.44
EV/EBITDA
-
Dividend Yield
0.49%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
-
Revenue (YoY)
176.80%
Earnings (YoY)
-550.05%

Profitability & Returns

ROCE
-
ROE
-14.84%
ROA
-0.92%
Profit Margin
-96.50%
Op Margin
20.16%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.17
EPS (TTM)
$-2.71

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$186.38M
Total Assets
$3.96B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
55.51%
Chg in Prom Hold
0.04%
FII / Inst Holding
8.67%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$135.29M
Total Revenue (TTM)
$37.70M
EBITDA
-
Free Cash Flow
$-9.98M
Operating Cash Flow
$54.53M
Shares Outstanding
16.54M
Gross Margin
0.00%
Payout Ratio
200.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FGBI First Guaranty Bancshares, Inc. FINANCIAL 8.18 -3.02 $135.29M 0.49% - -14.84% - -
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------24.23M23.89M23.71M21.91M22.54M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------32.24M32.08M31.26M30.75M31.59M-
Pretax Income -----------------------------------7.99M-9.48M-54.01M2.92M3.54M-
Tax Provision -----------------------------------1.82M-2.18M-9.01M469.00K800.00K-
Net Income 2.97M3.39M3.86M3.88M3.15M4.40M3.38M3.25M2.93M3.06M3.60M4.60M3.40M3.13M3.21M3.85M3.83M5.18M5.18M5.02M6.43M7.79M7.58M8.12M8.05M5.12M3.47M2.68M1.77M1.30M2.31M7.20M1.93M--6.17M-7.30M-45.00M2.45M2.74M-
Diluted EPS ------------------------------------0.50-3.010.120.140.17

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Income -----------------46.20M
Net Income 7.59M10.03M8.03M12.06M9.15M11.22M14.51M14.09M11.75M14.21M14.24M20.32M27.30M28.88M9.22M12.45M-56.02M

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Total Assets --1.13B1.35B1.41B1.44B1.52B1.46B1.50B1.75B1.82B2.12B2.47B2.88B---3.15B---3.55B---3.97B---4.08B
Total Equity 65.49M94.94M97.94M126.60M134.18M123.41M139.58M118.22M124.35M143.98M147.28M166.03M178.59M223.89M221.75M226.54M231.44M234.99M228.68M238.86M238.82M249.63M250.32M255.14M256.40M255.05M251.44M263.09M221.07M226.22M
Long Term Debt ---3.20M1.10M500.00K1.46M40.40M36.70M37.40M34.50M63.30M60.50M43.20M---36.90M---209.10M---194.90M---179.00M
Total Liabilities --1.03B1.23B1.27B1.31B1.38B1.34B1.38B1.61B1.67B1.95B2.29B2.65B---2.92B---3.30B---3.72B---3.85B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 2.53M16.58M17.97M16.90M17.17M-17.21M22.21M12.28M26.89M29.08M23.76M-36.87M21.71M33.73M-8.28M
Investing Cash Flow -83.91M-202.07M-84.46M-82.78M-78.10M-47.21M-67.78M-83.00M6.79M-131.91M-128.46M--467.91M-206.09M-142.07M129.90M
Financing Cash Flow 50.09M183.61M134.10M39.67M36.19M--71.72M26.41M90.64M56.26M42.29M336.88M-252.33M387.61M386.09M159.88M
Capital Expenditure -1.63M-1.33M-2.34M-1.57M-1.76M-1.67M-4.40M-4.11M-6.81M-3.79M-11.93M-6.31M--2.64M-14.96M-3.04M-1.70M
Free Cash Flow 895.00K15.25M15.63M15.33M15.41M-12.81M18.10M5.46M23.10M17.14M17.45M-34.22M6.76M30.68M-9.98M
Net Change in Cash --------------178.71M203.24M277.75M281.49M
Share Buybacks -0054.00K00-----------
Dividends Paid 3.80M4.69M5.43M6.01M4.74M4.42M4.63M4.87M5.21M5.64M5.80M6.23M-----

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 8.0%10.2%6.3%9.0%7.4%8.0%12.3%11.3%8.2%9.7%8.6%11.4%12.2%12.3%3.7%4.9%-24.8%
ROCE % -----------------

Shareholding Pattern

Insiders
55.51%
Institutions
8.67%
Public Float
19.50%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 2.56% 423.80K $3.67M
2 Vanguard Capital Management LLC 1.72% 283.91K $2.46M
3 Geode Capital Management, LLC 0.97% 160.33K $1.39M
4 Bridgeway Capital Management, LLC 0.53% 87.04K $752.93K
5 Cullen Investment Group, Ltd. 0.38% 62.21K $538.11K
6 State Street Corporation 0.29% 47.53K $411.14K
7 Northern Trust Corporation 0.29% 47.98K $415.00K
8 Empowered Funds, LLC 0.29% 47.75K $413.06K
9 Vanguard Fiduciary Trust Co 0.27% 45.34K $392.20K
10 Vanguard Portfolio Management LLC 0.24% 40.11K $346.99K

Analyst View

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Latest News

Recent headlines for FGBI

Google News ue, 08 Sep 2026

Director at First Guaranty (FGBI) buys about $19K in preferred depository shares - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxOdUd3d3ZhaURMZFFScVEteUxzX0EyVVkwQ25GQVpqblNlYU9kN09YTTNScUZSNnJNM0J0LWN3U3lHMUlIRHlIMktwN0ZDOFdhOGpqLVYtcEtxekpzM000WmJfREIxSVJYMHJTeDRBRmY5U3ZtQjZUbl9VSDF6Qnp1UTUtU09tQlZVS3JhTG…

Google News ue, 08 Sep 2026

First Guaranty Bancshares director Bruce McAnally buys $19,150 in stock By Investing.com - Investing.com Canada

<a href="https://news.google.com/rss/articles/CBMiygFBVV95cUxQOFozRDgtZFJZQkowcmh1MXBueU1VSGV0WXMya3pDdWg1VFFtblZlX1JVU1I0ZGo5UU1OYjFJa096NGlaRS1McFJrb0EtSERoZUZPdHBMcERFc0pUbng1NXhpWV82bWZsUXg1TndxT010SHIwd1g4ZkNCd1pCUXdVeEpLRzROMTFDRHdTcG…

Google News Fri, 04 Sep 2026

First Guaranty Bancshares Inc (FGBI) Technical Analysis: Support, Resistance, Indicators & Moving Averages - TradingKey

<a href="https://news.google.com/rss/articles/CBMiZ0FVX3lxTE91WmZMcnEtNTltbG42eFdKN1ZpQkVNQ0g1LVRkdTlkOW1VRFFFSFpFaHphbUNFcEttNGJFZFNiamhzeGhON3JqQVBCZE9lNURwbkxEWW5qdHBzakxiVE0wOFh2RXVkejQ?oc=5" target="_blank">First Guaranty Bancshares In…

Google News Sat, 01 Aug 2026

FGBI Forecast — Price Target — Prediction for 2027 - tradingview.com

<a href="https://news.google.com/rss/articles/CBMiekFVX3lxTFBwUUJvT3BlUzI4RFNCVDM5MnRXaU1fMEwxeGVyUkh3VDV4ZkVSUGhZWFJBX0ZwZjRpX1FySEdLNGs0SmR3YVlXWlI1aHFyTUZIaFZjZ1c1QW5EV2dBRXNIWF8tazhFa1NXMnJYN0NxYVkwVjBfX014YVVB?oc=5" target="_blank">FGB…

Google News Wed, 29 Jul 2026

First Guaranty Bancshares (FGBI) Stock Rebounds While Credit Risk Still Shapes The Story - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi2AFBVV95cUxOYnVwcUtEOEs2UFlWMDdZR1p1V0FrTFZMX1J3TTlhOG1mX3dGQ1hjS1Q0V3dhQ2tuNnU3TTFVVWNWMl9Lc1UwQW1CZnQ5bm1NcUp5VVRHV1kyeEsyNnJKdVNfOGJoOFdaZkZlVzN4RU01MDlTRFBGb29qU0llR1ZQeGxyU2Y2Y0dIMnpQbE…

Google News hu, 20 Aug 2026

Insider Buying: First Guaranty Bancshares (NASDAQ:FGBI) Director Buys $68,698.16 in Stock - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMi0gFBVV95cUxPcVNFWTlsdGl2bEdhTjljMVV6dzlpQ052WWsyZV9IaFkwTXRXaUZleXVubmhRbXFDS0ZsMkJ3SmU3M2Jaa2tEMHBnbEFBbUN5NDR5aC1XZ0FVWDBWbUwtdjdtbG1KUzl6RkpEUjMzS3ZpZ2pPZ2xxUEthTU5OejIwUG9CX29iYVhuOXVvc2…

FGBI — Frequently Asked Questions

What is the current share price of First Guaranty Bancshares, Inc. (FGBI)?

As of 2026-09-19 21:16 PDT, First Guaranty Bancshares, Inc. (FGBI) trades at $8.18 on NasdaqGM. Its 52-week range is $4.39 to $10.72.

What is the market capitalisation of FGBI?

First Guaranty Bancshares, Inc. (FGBI) has a market capitalisation of $135.29M on NasdaqGM.

What is the P/E ratio of FGBI?

FGBI trades at a trailing price-to-earnings (P/E) ratio of -3.02. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.67.

Does FGBI pay a dividend?

First Guaranty Bancshares, Inc. (FGBI) currently offers a dividend yield of 0.49%.

What is the return on equity (ROE) of FGBI?

FGBI has a return on equity (ROE) of -14.84%.

Is FGBI a good stock to buy?

This page provides a data-driven analysis of First Guaranty Bancshares, Inc. (FGBI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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