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 - $11.02
Previous CloseN/A
Volume625.00
Average Volume (3M)18.52K
Market Cap
$175.51M
Enterprise Value-$369.19M
Total Cash (Recent Filing)$733.22M
Total Debt (Recent Filing)$197.08M
Price to Earnings (P/E)―
Beta0.37
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-2.10
Enterprise Value/Revenue-1.71
Enterprise Value/Gross Profit-15.74
Enterprise Value/Ebitda6.70
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
Consistent Capital ReturnA 132-quarter dividend streak demonstrates a durable management commitment to returning capital. That consistency supports investor and depositor confidence, signals predictable cash allocation priorities, and can anchor stakeholder relations even during earnings volatility.
Capital Strength From Strategic ExitSelling the Texas footprint and shedding ~$270M deposits/$110M loans materially improves Tier 1 leverage (~+100bps). This structural de-risking strengthens regulatory capital, reduces geographic complexity, and permits redeployment of capital into core, higher-return markets.
Re-acquisition Of Core Branch AssetsBuying back branch properties ends related-party sale-leaseback arrangements, restores ownership of strategic locations, and reduces long-term lease obligations. This enhances operational control, simplifies related-party relationships, and preserves branch network value on the balance sheet.
Bears Say
Earnings DeteriorationA shift from prior profitable years to steep revenue declines and sustained operating losses erodes retained earnings and return metrics. Persistent negative margins weaken capacity to fund loan growth, absorb credit shocks, and rebuild capital without external support.
Volatile Cash GenerationWide swings in operating and free cash flow undermine predictability of internal funding for loans, dividends, and reserves. Inconsistent cash conversion increases reliance on external financing or related-party facilities and complicates multi-quarter strategic planning.
Reliance On Insider Funding AmendmentsRepeated amendments to insider-controlled notes signal dependence on related-party liquidity and raise governance and refinancing risks. Such funding is less diversified and can create future dilution or constrain independent access to market financing if internal support is withdrawn.
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 $11.02 in the past 12 months.
What is First Guaranty Bancshares’s market cap?
First Guaranty Bancshares’s market cap is $175.51M.
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
3.38%
Trailing 12-Months
Company Description
First Guaranty Bancshares
First Guaranty Bancshares, Inc. functions as the parent company for First Guaranty Bank, a financial institution delivering commercial banking services primarily across Louisiana and Texas. The bank offers a comprehensive suite of deposit products, including various checking accounts for personal and business use, savings accounts, money market accounts, demand deposits, and certificates of deposit (time deposits). These services are extended to individual consumers, small and medium-sized businesses, and municipal entities. Its lending portfolio is diverse, providing credit solutions such as real estate-backed loans (including commercial, non-farm non-residential, single-to-four-family residential, multifamily, construction, and land development), commercial and industrial loans, agricultural loans (including farmland), and other consumer loans. These are primarily aimed at small to medium-sized businesses, professionals, and individuals. Additionally, First Guaranty Bank provides numerous customer-centric services. Individuals can access credit cards, mobile check deposit, safe deposit boxes, official checks, robust online and mobile banking platforms, ATM services, and online bill payment. Business clients benefit from specialized solutions like merchant services, remote deposit capture, and lockbox services. A portion of the company's assets is strategically invested in various securities. This includes debt instruments issued by the United States Government and its agencies, state and municipal obligations, corporate bonds, mutual funds, and equity securities. It also allocates funds to mortgage-backed securities, predominantly those issued or guaranteed by U.S. Government agencies or enterprises. The company operates a network of 36 banking facilities. These are primarily located in significant market areas across Louisiana (including Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, and Alexandria) and Texas (notably Dallas-Fort Worth-Arlington and Waco), with a presence also extending to Kentucky and West Virginia. First Guaranty Bancshares, Inc. was established in 1934 and maintains its corporate headquarters in Hammond, Louisiana.
Technical Analysis
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Ownership Overview
50.07% Insiders
2.33% Mutual Funds
1.01% Other Institutional Investors
44.53% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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