First Guaranty Bancshares (FGBI) AI Stock Analysis

• Market Cap: $75.84M
• Dividend Yield: 0.79%
• Average Volume (3M): 18.52K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.21
• Revenue Growth: 1.33%
• EPS Growth: -593.24%
• Country: US
• Employees: 380
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.61
• Shares Outstanding: 15,352,947
• 10 Day Avg. Volume: 24,250
• 30 Day Avg. Volume: 18,517
• 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: -5.30
• Enterprise Value/Revenue: -1.77
• Enterprise Value/Gross Profit: -35.37
• Enterprise Value/Ebitda: 6.10
• 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: 45 Neutral
• Price Target: $4.50 ▼(-11.42% Downside)

The overall stock score is primarily impacted by weak financial performance and bearish technical indicators. The company's income statement shows declining revenues and profitability, and technical analysis indicates a strong downtrend with oversold conditions. Additionally, the negative P/E ratio and high dividend yield suggest potential overvaluation. These factors collectively contribute to a low overall score.

Positive Factors

Cash Generation Ability

Strong free cash flow growth indicates robust cash generation capabilities, allowing the company to reinvest in operations and service debt effectively.

Balance Sheet Health

A stable balance sheet with low leverage provides financial flexibility and reduces risk, supporting long-term operational stability.

Revenue Generation

Diverse revenue streams from interest and non-interest income provide resilience against economic fluctuations, supporting consistent earnings.

Negative Factors

Declining Profitability

Declining profitability and negative margins indicate operational challenges, which can hinder growth and reduce shareholder value over time.

Negative Return on Equity

Negative return on equity reflects inefficiencies in capital use, potentially impacting investor confidence and limiting future investment opportunities.

Operational Cash Flow Issues

Low operational cash flow relative to net income suggests difficulties in converting revenue into cash, which may strain liquidity and operational funding.

First Guaranty Bancshares Business Overview & Revenue Model

Company Description

First Guaranty Bancshares, Inc. (FGBI) is a bank holding company based in the United States, primarily operating through its subsidiary, First Guaranty Bank. The company provides a range of financial services including personal and commercial banking, mortgage lending, and wealth management solutions. FGBI focuses on delivering tailored financial products to individuals, businesses, and professionals in the communities it serves, emphasizing customer service and community involvement.

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 for services provided. The main revenue streams include interest earned from commercial and consumer loans, mortgage loans, and investment securities. Additionally, the company earns fees from account maintenance, transaction services, and wealth management products. Significant partnerships with local businesses and community organizations enhance its market presence and customer base, contributing to its overall earnings. The bank's focus on fostering long-term relationships with clients and providing a diverse range of financial services further supports its revenue generation.

First Guaranty Bancshares Financial Statement Overview

Summary

First Guaranty Bancshares faces challenges in its income statement with declining revenues and profitability. The balance sheet remains stable with low leverage, but the negative return on equity is concerning. Cash flow performance is strong, with significant free cash flow growth, but operational cash flow needs improvement. The company must address income statement weaknesses to enhance overall financial health.

Income Statement

The income statement shows significant volatility. The TTM data indicates a sharp decline in revenue and profitability, with negative margins across the board. Historical data shows a decline in revenue growth and profitability, with the most recent year showing a negative net profit margin. The company needs to address these challenges to improve its financial health.

Balance Sheet

The balance sheet reflects a relatively stable financial position with a low debt-to-equity ratio in the TTM period, indicating manageable leverage. However, the return on equity has turned negative, suggesting inefficiencies in generating returns from equity. The equity ratio remains healthy, indicating a strong capital base.

Cash Flow

Cash flow analysis reveals strong free cash flow growth in the TTM period, indicating improved cash generation capabilities. The free cash flow to net income ratio is nearly 1, suggesting efficient conversion of income to cash. However, the operating cash flow to net income ratio is low, indicating potential issues in operational cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	227.20M	244.78M	191.78M	145.84M	120.92M	123.13M
Gross Profit	11.36M	91.47M	89.76M	105.64M	96.56M	82.24M
EBITDA	-65.85M	20.44M	15.92M	40.50M	39.23M	29.32M
Net Income	-57.46M	12.45M	9.22M	28.88M	27.30M	20.32M
Balance Sheet
Total Assets	3.80B	3.97B	3.55B	3.15B	2.88B	2.47B
Cash, Cash Equivalents and Short-Term Investments	1.11B	845.13M	369.60M	214.25M	472.37M	537.45M
Total Debt	186.10M	201.92M	275.40M	183.37M	49.63M	116.63M
Total Liabilities	3.58B	3.72B	3.30B	2.92B	2.65B	2.29B
Stockholders Equity	221.07M	255.05M	249.63M	234.99M	223.89M	178.59M
Cash Flow
Free Cash Flow	34.02M	30.68M	6.76M	34.22M	24.32M	17.45M
Operating Cash Flow	35.48M	33.73M	21.71M	36.87M	26.52M	23.76M
Investing Cash Flow	425.64M	-142.07M	-206.09M	-467.91M	-452.64M	-128.46M
Financing Cash Flow	-74.55M	386.09M	387.61M	252.33M	388.45M	336.88M

First Guaranty Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 5.08
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 5.08 is below the 20-day moving average (MA) of 5.36, below the 50-day MA of 6.97, and below the 200-day MA of 8.08, indicating a bearish trend. The MACD of -0.59 indicates Negative momentum. The RSI at 35.23 is Neutral, neither overbought nor oversold. The STOCH value of 49.04 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
FNWD	74 Outperform	$164.64M	19.95	5.05%	1.20%	-7.20%	-29.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EBMT	64 Neutral	$130.65M	9.53	7.43%	3.38%	6.10%	59.32%
RBKB	62 Neutral	$108.50M	21.36	3.95%	―	22.30%	―
AFBI	58 Neutral	$120.89M	17.20	5.95%	―	5.18%	36.12%
FGBI	45 Neutral	$75.84M	―	-24.07%	0.79%	1.33%	-593.24%

First Guaranty Bancshares Corporate Events

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 September 30, 2025. The delay is primarily due to the need to evaluate certain events that occurred in late September, which were previously disclosed in an earnings release. These events have necessitated revisions to the company’s financial information and disclosures. The company expects to file the delayed report within five calendar days following the prescribed due date. Importantly, the company does not anticipate any significant changes in its financial results from the corresponding period last year. First Guaranty Bancshares is committed to ongoing compliance efforts, as evidenced by the notification signed by Eric J. Dosch.

The most recent analyst rating on (FGBI) stock is a Hold with a $5.50 price target. To see the full list of analyst forecasts on First Guaranty Bancshares stock, see the FGBI Stock Forecast page.

First Guaranty Bancshares Announces Quarterly Cash Dividend

On October 16, 2025, First Guaranty Bancshares, Inc. announced a quarterly cash dividend for its Series A Preferred Stock, with holders of record as of November 15, 2025, set to receive $0.421875 per Depositary Share on December 1, 2025. This announcement reflects the company’s commitment to providing returns to its shareholders and may impact investor sentiment positively as it demonstrates financial stability and shareholder value focus.

The most recent analyst rating on (FGBI) stock is a Hold with a $5.50 price target. To see the full list of analyst forecasts on First Guaranty Bancshares stock, see the FGBI Stock Forecast page.

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.