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 - $10.08
Previous CloseN/A
Volume625.00
Average Volume (3M)18.52K
Market Cap
$146.53M
Enterprise Value-$390.76M
Total Cash (Recent Filing)$733.22M
Total Debt (Recent Filing)$197.08M
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 Outstanding16,464,249
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-2.67
Enterprise Value/Revenue-1.81
Enterprise Value/Gross Profit-16.66
Enterprise Value/Ebitda6.96
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 and shedding ~$270M deposits and ~$110M loans is a structural capital move that should permanently improve regulatory leverage. A ~100bp Tier 1 boost increases cushion for lending, reduces capital strain, and supports execution of core-market strategies over coming quarters.
Re-acquisition Of Owned Branch PropertiesBuying back branches and terminating long-term net leases converts leased occupancy to owned real estate, removing ongoing lease expense and related-party lease exposure. This strengthens the bank’s operational control of key locations and reduces future fixed rental obligations, improving long-term cash flow stability.
Governance And Shareholder SupportUncontested board elections and auditor ratification reflect governance continuity and shareholder alignment. Stable board composition and oversight support consistent strategic execution, smoother regulatory interactions, and credibility with counterparties—benefits that persist beyond near-term market swings.
Bears Say
Sharp Revenue And Profitability DeteriorationA marked structural decline in revenue and the shift to sizable operating losses indicate weakened core banking performance and margin pressure. Persistently lower loan yields, deposit mix shifts, or credit-related costs could constrain sustainable earnings and impair ability to rebuild retained capital over multiple quarters.
Volatile Cash GenerationLarge swings in operating and free cash flow reduce predictability for loan growth, dividend support, and regulatory capital planning. Continued volatility raises refinancing and liquidity risks for a community bank, complicating strategic investments and increasing reliance on ad hoc funding or asset sales to meet obligations.
Reliance On Insider-controlled Funding FlexibilityRepeated amendments to insider promissory and subordinated notes signal dependence on related-party funding and contingent payment terms. While providing short-term flexibility, this reliance can constrain independent capital options, create governance concerns, and potentially dilute shareholders if interest paid in stock becomes recurring.
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 $10.07 in the past 12 months.
What is First Guaranty Bancshares’s market cap?
First Guaranty Bancshares’s market cap is $146.53M.
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 16,464,249 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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Blogger Sentiment
Neutral
FGBI Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $3.0M over
the Last 3 Months
the Last 3 Months
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
50.07% Insiders
2.31% Mutual Funds
1.01% Other Institutional Investors
44.64% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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