First Guaranty Bancshares (FGBI)
NASDAQ:FGBI
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FGBI Stock Chart & Stats
$6.44
$0.09(0.84%)
At close: 4:00 PM EST
$6.44
$0.09(0.84%)
Day’s Range― - ―
52-Week Range$4.31 - $10.19
Previous CloseN/A
Volume625.00
Average Volume (3M)18.52K
Market Cap
$145.06M
Enterprise Value-$588.16M
Total Cash (Recent Filing)$845.70M
Total Debt (Recent Filing)$186.13M
Price to Earnings (P/E)11.7
Beta0.38
Next EarningsN/A
EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.84%
Share Statistics
EPS (TTM)N/A
Shares Outstanding15,793,433
10 Day Avg. Volume24,250
30 Day Avg. Volume18,517
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.33
Price to Sales (P/S)0.38
P/FCF Ratio-7.53
Enterprise Value/Market Cap-4.05
Enterprise Value/Revenue-2.67
Enterprise Value/Gross Profit-47.25
Enterprise Value/Ebitda9.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Capital Boost From Texas ExitSelling the Texas operations is a structural capital action that is expected to raise the Tier 1 leverage ratio by ~100 bps. That permanently strengthens regulatory capital headroom, supports lending capacity, and reduces near-term pressure on capital planning across quarters.
Positive Equity And Moderate LeverageThe bank maintains positive tangible equity and historically moderate leverage ratios, providing a structural buffer to absorb losses and support deposit confidence. This balance-sheet resilience underpins the franchise's ability to fund core lending and weather multi-quarter earnings variability.
Long Dividend Track RecordA 131-quarter consecutive dividend demonstrates long-term capital return discipline and board commitment to shareholders. This reflects stable policy and governance around distributions, supporting investor confidence and suggesting prioritization of predictable shareholder returns over time.
Bears Say
Sharp 2025 Profitability DeteriorationThe swing to a sizable net loss and negative operating margins in 2025 materially weakens the bank's earnings power. Sustained profit recovery is required to restore ROE and internal capital generation; otherwise the franchise may face prolonged pressure on strategic investments and reserves.
Negative Operating And Free Cash Flow In 2025The material drop to negative operating and free cash flow reduces internal funding for loan growth, dividends, and capital needs. Over several months, weaker cash conversion increases reliance on external financing or asset sales, constraining strategic flexibility and growth execution.
Reliance On Insider-controlled FundingRepeated amendments to promissory and subordinated notes with an insider-controlled firm indicate concentration of funding and governance risk. While providing liquidity flexibility, this reliance can signal limited market access and may raise stakeholder concerns about independent capital sourcing.
First Guaranty Bancshares News
FGBI FAQ
What was First Guaranty Bancshares’s price range in the past 12 months?
First Guaranty Bancshares lowest stock price was $4.31 and its highest was $10.19 in the past 12 months.
What is First Guaranty Bancshares’s market cap?
First Guaranty Bancshares’s market cap is $145.06M.
When is First Guaranty Bancshares’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were First Guaranty Bancshares’s earnings last quarter?
Currently, no data Available
Is First Guaranty Bancshares overvalued?
According to Wall Street analysts First Guaranty Bancshares’s price is currently Overvalued.
Does First Guaranty Bancshares pay dividends?
First Guaranty Bancshares pays a Quarterly dividend of $0.01 which represents an annual dividend yield of 0.84%. See more information on First Guaranty Bancshares dividends here
What is First Guaranty Bancshares’s EPS estimate?
First Guaranty Bancshares’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does First Guaranty Bancshares have?
First Guaranty Bancshares has 15,793,433 shares outstanding.
What happened to First Guaranty Bancshares’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of First Guaranty Bancshares?
Currently, no hedge funds are holding shares in FGBI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Guaranty Bancshares Stock Smart Score
Neutral
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Technicals
SMA
Negative
20 days / 200 days
Momentum
-62.92%
12-Months-Change
Fundamentals
Return on Equity
-20.17%
Trailing 12-Months
Asset Growth
2.66%
Trailing 12-Months
Company Description
First Guaranty Bancshares
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, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities. The company also 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 operates through 36 banking facilities primarily located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, Alexandria, Dallas-Fort Worth-Arlington, Waco, Kentucky, and West Virginia. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.
Technical Analysis
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Ownership Overview
48.85% Insiders
2.41% Mutual Funds
0.50% Other Institutional Investors
46.19% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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