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First Guaranty Bancshares (FGBI)
:FGBI

First Guaranty Bancshares (FGBI) AI Stock Analysis

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First Guaranty Bancshares

(NASDAQ:FGBI)

Rating:60Neutral
Price Target:
$8.50
▲(3.41%Upside)
The overall stock score is influenced primarily by the company's strong financial stability and positive corporate events. However, the stock's overvaluation and weak technical indicators pose significant risks. The lack of earnings call data limits insights into future performance.

First Guaranty Bancshares (FGBI) vs. SPDR S&P 500 ETF (SPY)

First Guaranty Bancshares Business Overview & Revenue Model

Company DescriptionFirst Guaranty Bancshares, Inc. (FGBI) is a bank holding company headquartered in Louisiana, operating through its subsidiary, First Guaranty Bank. The company provides a wide range of banking services primarily in the states of Louisiana and Texas. Its core products and services include personal and commercial banking, loans, mortgages, and treasury management. The bank caters to a diverse client base, including individual consumers, small to medium-sized businesses, and professionals, offering tailored financial solutions to meet their needs.
How the Company Makes MoneyFirst Guaranty Bancshares generates revenue primarily through interest income from its lending activities. The company offers various loan products, including commercial loans, real estate loans, agricultural loans, and consumer loans, which contribute significantly to its income. Additionally, FGBI earns non-interest income from service charges on deposit accounts, fees from loan-related activities, and other financial services. The bank's ability to attract deposits and manage its interest rate spread is crucial to its profitability. Partnerships with local businesses and a focus on community banking also play a role in the company's revenue generation strategy.

First Guaranty Bancshares Financial Statement Overview

Summary
First Guaranty Bancshares demonstrates strong revenue growth and improved cash flow positions, supported by a robust equity base and debt elimination. However, operational margins have faced pressure, impacting profitability. Continued focus on improving profitability and managing investment outflows will be key to sustaining growth.
Income Statement
75
Positive
First Guaranty Bancshares shows a strong revenue growth trajectory with a significant increase in total revenue from $91.57M in 2023 to $221.71M in 2024, indicating robust growth. The net profit margin improved from 10.07% to 5.61%, which could indicate some cost pressures or other expenses impacting profitability. The absence of EBIT and EBITDA margins in 2024 implies operational challenges or changes in reporting structure. Overall, the income statement reflects solid growth but with some profitability concerns.
Balance Sheet
80
Positive
The balance sheet indicates a strong equity position with stockholders' equity increasing to $255.05M in 2024. The debt-to-equity ratio decreased to 0, highlighting the elimination of debt and potentially reducing financial risk. The equity ratio remains stable at around 6.42% in 2024, showing balanced asset growth. The strong cash position with an increase in cash and cash equivalents to $1.17B bolsters financial stability.
Cash Flow
70
Positive
Cash flow analysis reveals a healthy increase in operating cash flow to $33.73M in 2024. Free cash flow also improved significantly to $33.73M, indicating better cash generation capabilities. The operating cash flow to net income ratio reflects efficient cash utilization. However, the high investing cash outflows may require monitoring for long-term sustainability.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue246.45M244.78M191.78M145.84M120.92M123.13M
Gross Profit79.65M91.47M89.76M105.64M96.56M82.24M
EBITDA9.66M20.44M15.92M40.50M39.23M29.32M
Net Income3.97M12.45M9.22M28.88M27.30M20.32M
Balance Sheet
Total Assets3.83B3.97B3.55B3.15B2.88B2.47B
Cash, Cash Equivalents and Short-Term Investments864.46M845.13M369.60M214.25M472.37M537.45M
Total Debt201.05M201.92M275.40M183.37M49.63M116.63M
Total Liabilities3.58B3.72B3.30B2.92B2.65B2.29B
Stockholders Equity251.44M255.05M249.63M234.99M223.89M178.59M
Cash Flow
Free Cash Flow35.47M30.68M6.76M34.22M24.32M17.45M
Operating Cash Flow37.12M33.73M21.71M36.87M26.52M23.76M
Investing Cash Flow1.74M-142.07M-206.09M-467.91M-452.64M-128.46M
Financing Cash Flow247.51M386.09M387.61M252.33M388.45M336.88M

First Guaranty Bancshares Technical Analysis

Technical Analysis Sentiment
Negative
Last Price8.22
Price Trends
50DMA
9.02
Negative
100DMA
8.65
Negative
200DMA
9.96
Negative
Market Momentum
MACD
-0.23
Negative
RSI
45.63
Neutral
STOCH
57.37
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 8.22 is below the 20-day moving average (MA) of 8.27, below the 50-day MA of 9.02, and below the 200-day MA of 9.96, indicating a bearish trend. The MACD of -0.23 indicates Negative momentum. The RSI at 45.63 is Neutral, neither overbought nor oversold. The STOCH value of 57.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FGBI.

First Guaranty Bancshares Risk Analysis

First Guaranty Bancshares disclosed 44 risk factors in its most recent earnings report. First Guaranty Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

First Guaranty Bancshares Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
$104.08M16.285.09%3.56%5.62%-5.99%
67
Neutral
$16.67B11.469.71%3.91%11.61%-9.60%
60
Neutral
$91.88M31.552.30%2.67%11.12%53.85%
60
Neutral
$120.07M61.361.58%0.49%14.47%-73.50%
56
Neutral
$104.85M-0.73%-9.96%-23.54%
43
Neutral
$71.47M-10.46%3.70%10.02%-1855.34%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FGBI
First Guaranty Bancshares
8.22
-0.68
-7.64%
PBHC
Pathfinder Bancorp
15.34
2.87
23.02%
PROV
Provident Financial Holdings
15.50
3.75
31.91%
FNWB
First Northwest Bancorp
7.70
-1.56
-16.85%
BSBK
Bogota Financial
7.79
1.14
17.14%

First Guaranty Bancshares Corporate Events

Private Placements and FinancingBusiness Operations and Strategy
First Guaranty Bancshares Enters Exchange Agreement with Director
Positive
Jun 18, 2025

On June 16, 2025, First Guaranty Bancshares entered into an Exchange Agreement with Edgar Ray Smith, III, a director and significant shareholder, to exchange a $15 million subordinated note for 1,981,506 shares of newly issued common stock. This strategic move aims to strengthen the company’s equity position, with the exchange expected to be completed by June 30, 2025, subject to certain conditions and approvals.

Private Placements and FinancingBusiness Operations and Strategy
First Guaranty Bancshares Amends Promissory Note Agreement
Neutral
Jun 9, 2025

On June 4, 2025, First Guaranty Bancshares, Inc. announced amendments to its Promissory Note and Floating Rate Subordinated Note with Smith & Tate Investment, L.L.C., a company controlled by a director and principal shareholder of First Guaranty. The amendments allow for the deferral of principal payments and the option to make interest payments in cash or common stock for a specified period. These changes aim to provide financial flexibility for the company, potentially impacting its liquidity and shareholder value.

Dividends
First Guaranty Bancshares Announces Quarterly Cash Dividend
Positive
May 20, 2025

On May 15, 2025, First Guaranty Bancshares, Inc. announced a quarterly cash dividend of $0.01 per share on its common stock, marking the 128th consecutive quarterly dividend. The dividend will be payable to shareholders of record as of June 23, 2025, with payment expected on June 30, 2025, demonstrating the company’s ongoing commitment to returning value to its shareholders.

Executive/Board ChangesShareholder Meetings
First Guaranty Bancshares Shareholders Approve Key Proposals
Neutral
May 20, 2025

At the annual meeting of shareholders of First Guaranty Bancshares, Inc. held on May 15, 2025, shareholders voted on several key matters. All proposed directors were elected, and the advisory vote on executive compensation was approved. Additionally, the appointment of Griffith, DeLaney, Hillman & Lett, CPAs, PSC as the independent registered public accounting firm for the year ending December 31, 2025, was ratified.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 22, 2025