First Guaranty Bancshares (FGBI)
NASDAQ:FGBI
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 - $10.55
Previous CloseN/A
Volume625.00
Average Volume (3M)18.52K
Market Cap
$124.67M
Enterprise Value-$531.33M
Total Cash (Recent Filing)$845.70M
Total Debt (Recent Filing)$186.13M
Price to Earnings (P/E)―
Beta0.25
Next EarningsN/A
EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.84%
Share Statistics
EPS (TTM)N/A
Shares Outstanding15,352,947
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-9.07
Enterprise Value/Market Cap-4.26
Enterprise Value/Revenue-2.41
Enterprise Value/Gross Profit-42.69
Enterprise Value/Ebitda8.14
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
Dividend Track RecordA 131-quarter dividend streak signals long-term capital allocation discipline and shareholder commitment. Even if the common payout is small, maintaining distributions through cycles supports investor confidence, indicates predictable payout policy and suggests management prioritizes return of capital.
Capital Relief From Texas ExitSelling Texas operations and shedding associated loans/deposits is a structural capital action that should permanently improve regulatory leverage by ~100 bps. Stronger Tier 1 leverage expands lending capacity, reduces capital strain, and provides buffer for rebuilding earnings over the medium term.
Insider Funding FlexibilityExtended waivers and optional stock interest payments materially reduce near-term cash outflows and extend runway through 2028. This durable funding flexibility lowers refinancing pressure, supports liquidity while management executes operational fixes, and preserves options without immediate external capital.
Bears Say
Sharp 2025 Profit DeteriorationA large year-over-year swing to a $56M net loss and material revenue decline reflects weakened core earning power. Sustained earnings weakness reduces internal capital generation, stresses ability to fund growth or dividends, and raises execution risk for restoring sustainable profitability over the medium term.
Negative Cash GenerationThe shift to negative operating and free cash flow undermines self-funding capacity and increases reliance on external or insider liquidity. Persistent cash deficits constrain loan growth and balance-sheet management, making strategic investments and dividend maintenance harder without durable improvements in profitability.
Deeply Negative ROEA ~-24.8% ROE signals capital is not earning acceptable returns and indicates severe capital inefficiency. Restoring positive, sustainable ROE will require either material profit recovery or capital reduction, both of which can take multiple quarters and constrain strategic flexibility and shareholder value creation.
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 $10.55 in the past 12 months.
What is First Guaranty Bancshares’s market cap?
First Guaranty Bancshares’s market cap is $124.67M.
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 15,352,947 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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Insider Transactions
Bought Shares
Worth $1.9M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-62.92%
12-Months-Change
Fundamentals
Return on Equity
-23.30%
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
66.47% Insiders
2.49% Mutual Funds
1.16% Other Institutional Investors
27.79% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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