First Guaranty Bancshares (FGBI) AI Stock Analysis

• Market Cap: $89.51M
• Dividend Yield: 0.66%
• Average Volume (3M): 15.15K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.15
• Revenue Growth: 1.34%
• EPS Growth: -593.24%
• Country: US
• Employees: 380
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.61
• Shares Outstanding: 15,120,172
• 10 Day Avg. Volume: 19,521
• 30 Day Avg. Volume: 15,147
• PEG Ratio: 0.37
• Price to Book (P/B): 0.56
• Price to Sales (P/S): 0.58
• P/FCF Ratio: 4.63
• Enterprise Value/Market Cap: -4.22
• Enterprise Value/Revenue: -1.62
• Enterprise Value/Gross Profit: -6.58
• Enterprise Value/Ebitda: 40.31
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): -1.19
• Revenue Forecast (FY): $118.60M

• Rating: 47 Neutral
• Price Target: $5.50 ▼(-31.51% Downside)

First Guaranty Bancshares has a low overall stock score due to significant financial challenges, including declining revenue and profitability, and liquidity issues. The technical analysis indicates bearish momentum, further weighing on the score. While the high dividend yield is a positive aspect, it is overshadowed by the negative P/E ratio and overall financial instability.

First Guaranty Bancshares Business Overview & Revenue Model

Company Description

First Guaranty Bancshares, Inc. (FGBI) is a financial services holding company headquartered in Hammond, Louisiana. It operates through its wholly-owned subsidiary, First Guaranty Bank, which offers a comprehensive range of banking services including personal and commercial banking, mortgage lending, and wealth management. FGBI primarily serves customers in Louisiana and Texas, catering to individual consumers, small to medium-sized businesses, and local communities with a focus on providing personalized service and innovative financial solutions.

How the Company Makes Money

First Guaranty Bancshares generates revenue primarily through interest income from loans and investments, as well as non-interest income from fees and service charges. The company's main revenue streams include interest earned on loans made to consumers and businesses, which typically form the largest portion of their income, alongside interest from securities and other financial instruments. Additionally, FGBI earns non-interest income through various fees associated with banking services, such as account maintenance fees, transaction fees, and mortgage origination fees. The bank may also see revenue from wealth management services, including advisory fees for managing client investments. Strategic partnerships with local businesses and community organizations help enhance its service offerings and attract more customers, further contributing to its revenue growth.

First Guaranty Bancshares Financial Statement Overview

Summary

First Guaranty Bancshares is facing financial headwinds, with declining revenue and profitability, moderate leverage, and cash flow challenges. The income statement shows declining revenue and a negative net profit margin. The balance sheet indicates moderate stability but inefficiencies in generating returns. Cash flow analysis highlights liquidity issues, necessitating strategic initiatives to improve financial performance.

Income Statement

The income statement shows a concerning trend with declining revenue and profitability. The TTM data reveals a negative revenue growth rate of -6.40%, and net profit margin has turned negative at -4.84%. This indicates significant challenges in maintaining revenue and controlling costs. Historical data shows fluctuating revenue growth and margins, with a notable decline in gross profit margin from 2022 to 2025. The company needs to address these issues to improve financial performance.

Balance Sheet

The balance sheet reflects moderate financial stability with a debt-to-equity ratio of 0.71 in the TTM period, which is an improvement from previous years. However, return on equity has turned negative at -3.53%, indicating inefficiencies in generating returns for shareholders. The equity ratio remains stable, suggesting a balanced asset structure. The company should focus on improving profitability to enhance shareholder value.

Cash Flow

Cash flow analysis reveals significant challenges, with a steep decline in free cash flow growth rate at -71.04% in the TTM period. The operating cash flow to net income ratio is very low at 0.31%, indicating potential liquidity issues. Historical data shows inconsistent free cash flow growth, highlighting the need for better cash management strategies to support operations and investments.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	233.64M	244.78M	191.78M	145.84M	120.92M	123.13M
Gross Profit	57.36M	91.47M	89.76M	105.64M	96.56M	82.24M
EBITDA	-9.37M	20.44M	15.92M	40.50M	39.23M	29.32M
Net Income	-9.06M	12.45M	9.22M	28.88M	27.30M	20.32M
Balance Sheet
Total Assets	3.97B	3.97B	3.55B	3.15B	2.88B	2.47B
Cash, Cash Equivalents and Short-Term Investments	1.09B	845.13M	369.60M	214.25M	472.37M	537.45M
Total Debt	186.08M	201.92M	275.40M	183.37M	49.63M	116.63M
Total Liabilities	3.71B	3.72B	3.30B	2.92B	2.65B	2.29B
Stockholders Equity	263.09M	255.05M	249.63M	234.99M	223.89M	178.59M
Cash Flow
Free Cash Flow	10.27M	30.68M	6.76M	34.22M	24.32M	17.45M
Operating Cash Flow	10.91M	33.73M	21.71M	36.87M	26.52M	23.76M
Investing Cash Flow	49.47M	-142.07M	-206.09M	-467.91M	-452.64M	-128.46M
Financing Cash Flow	355.53M	386.09M	387.61M	252.33M	388.45M	336.88M

First Guaranty Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 8.03
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FGBI, the sentiment is Negative. The current price of 8.03 is above the 20-day moving average (MA) of 7.04, above the 50-day MA of 7.86, and below the 200-day MA of 8.43, indicating a bearish trend. The MACD of -0.63 indicates Positive momentum. The RSI at 34.43 is Neutral, neither overbought nor oversold. The STOCH value of 24.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FGBI.

First Guaranty Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EBMT	64 Neutral	$130.65M	9.53	7.43%	3.43%	6.10%	59.32%
FNWD	62 Neutral	$150.51M	18.28	5.05%	1.39%	-7.07%	-29.17%
AFBI	58 Neutral	$115.52M	16.28	5.95%	―	5.18%	36.12%
FGBI	47 Neutral	$89.51M	―	-24.07%	0.66%	1.34%	-593.24%
RBKB	43 Neutral	$108.50M	21.36	3.95%	―	22.30%	―

First Guaranty Bancshares Corporate Events

First Guaranty Bancshares Declares Quarterly Cash Dividend

On August 21, 2025, First Guaranty Bancshares, Inc. declared a quarterly cash dividend of $0.01 per share on its outstanding common stock. This dividend, payable on September 30, 2025, marks the 129th consecutive quarterly dividend, reflecting the company’s ongoing commitment to returning value to its shareholders.

The most recent analyst rating on (FGBI) stock is a Hold with a $8.00 price target. To see the full list of analyst forecasts on First Guaranty Bancshares stock, see the FGBI Stock Forecast page.

First Guaranty Bancshares Faces Material Weakness in Financial Reporting Controls, Risks Investor Confidence and Nasdaq Listing

First Guaranty Bancshares has identified a material weakness in its internal control over financial reporting, as disclosed in its Quarterly Report on Form 10-Q. This weakness led management to conclude that the company’s controls were ineffective as of June 30, 2025. While efforts are underway to address the issue, there is no guarantee of success, and the process may incur additional costs and strain management resources. The persistence of such weaknesses could lead to further deficiencies, potential SEC reporting failures, and a loss of investor confidence, potentially impacting stock prices and Nasdaq listing status.

First Guaranty Bancshares Delays 10-Q Filing

First Guaranty Bancshares, Inc. has announced a delay in filing its Form 10-Q (Quarter Report) for the financial period ending June 30, 2025. The delay is due to the need to evaluate information concerning an event that occurred after the quarter ended, which may impact the financial disclosures. The company expects to file the report within five calendar days following the prescribed due date. No significant changes in financial results from the previous year are anticipated. The notification was signed by Eric J. Dosch, underscoring the company’s commitment to compliance.