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First Guaranty Bancshares
(NASDAQ:FGBI)
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Rating:43Neutral
Price Target:
$9.50
▲(47.52% Upside)
Action:Reiterated
Date:08/09/26
The score is driven primarily by weakened financial performance (sharp revenue decline and losses) and a negative corporate event (capital-focused consent order with heightened oversight and capital targets). Technicals are broadly neutral with slightly negative momentum, and valuation is constrained by a negative P/E despite a high dividend yield.
Positive Factors
Risk-based capital buffer
First Guaranty maintains total risk-based capital above the 14% requirement cited in the consent order, providing a structural capital cushion. This excess risk-based capital improves loss-absorption capacity and supports ongoing lending and deposit-taking while remediation targets for leverage are pursued.
Negative Factors
Regulatory consent order
The consent order creates sustained constraints on capital policy, dividend distributions and strategic flexibility. Mandatory remediation plans, heightened board oversight and quarterly progress reporting increase execution risk and limit the company’s ability to pursue growth or return capital until targets are met.
Read all positive and negative factors
Positive Factors
Negative Factors
Risk-based capital buffer
First Guaranty maintains total risk-based capital above the 14% requirement cited in the consent order, providing a structural capital cushion. This excess risk-based capital improves loss-absorption capacity and supports ongoing lending and deposit-taking while remediation targets for leverage are pursued.
Read all positive factors
First Guaranty Bancshares (FGBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$158.78M
Dividend Yield0.48%
Average Volume (3M)18.52K
Price to Earnings (P/E)―
Beta (1Y)0.43
Revenue Growth-8.44%
EPS Growth-155.96%
CountryUS
Employees333
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-2.85
Shares Outstanding16,539,095
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>-0.01
Enterprise Value/Revenue>-0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.4
Revenue Forecast (FY)N/A
First Guaranty Bancshares Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
FGBI primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is driven by the spread between (1) interest earned on interest-earning assets—principally loans (e.g.,...
First Guaranty Bancshares Financial Statement Overview
Summary
Income Statement
22
Negative
Balance Sheet
46
Neutral
Cash Flow
39
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 188.93M | 195.96M | 244.78M | 191.78M | 145.84M | 120.92M |
| Gross Profit | 37.73M | -12.11M | 91.47M | 89.76M | 105.64M | 96.56M |
| EBITDA | -42.28M | -64.27M | 20.44M | 15.92M | 40.50M | 39.23M |
| Net Income | -36.38M | -56.02M | 12.45M | 9.22M | 28.88M | 27.30M |
Balance Sheet | ||||||
| Total Assets | 3.90B | 4.08B | 3.97B | 3.55B | 3.15B | 2.88B |
| Cash, Cash Equivalents and Short-Term Investments | 1.99B | 845.70M | 845.13M | 369.60M | 214.25M | 472.37M |
| Total Debt | 186.28M | 186.13M | 201.92M | 275.40M | 183.37M | 49.63M |
| Total Liabilities | 3.67B | 3.85B | 3.72B | 3.30B | 2.92B | 2.65B |
| Stockholders Equity | 227.35M | 226.22M | 255.05M | 249.63M | 234.99M | 223.89M |
Cash Flow | ||||||
| Free Cash Flow | 53.70M | -9.98M | 30.68M | 6.76M | 34.22M | 24.32M |
| Operating Cash Flow | 55.24M | -8.28M | 33.73M | 21.71M | 36.87M | 26.52M |
| Investing Cash Flow | -63.83M | 129.90M | -142.07M | -206.09M | -467.91M | -452.64M |
| Financing Cash Flow | 27.48M | 159.88M | 386.09M | 387.61M | 252.33M | 388.45M |
First Guaranty Bancshares Technical Analysis
Negative
6.44
Price Trends
9.85
Negative
9.48
Negative
8.26
Positive
Market Momentum
-0.17
Positive
31.22
Neutral
32.41
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 6.44 is below the 20-day moving average (MA) of 9.53, below the 50-day MA of 9.85, and below the 200-day MA of 8.26, indicating a neutral trend. The MACD of -0.17 indicates Positive momentum. The RSI at 31.22 is Neutral, neither overbought nor oversold. The STOCH value of 32.41 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 50 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $192.86M | 19.31 | 5.68% | 1.08% | 0.36% | 84.94% | |
69 Neutral | $140.18M | 16.31 | 6.95% | ― | 4.88% | 53.05% | |
69 Neutral | $194.23M | 13.57 | 7.20% | ― | 34.21% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $189.74M | 11.36 | 8.36% | 2.48% | 1.82% | 27.47% | |
43 Neutral | $158.78M | -3.26 | -16.19% | 0.84% | -8.44% | -155.96% |
* Financial Sector Average
FGBI
First Guaranty Bancshares
8.42
0.46
5.83%
EBMT
Eagle Bancorp Montana
23.40
7.63
48.36%
AFBI
Affinity Bancshares
23.00
3.79
19.70%
RBKB
Rhinebeck Bancorp
12.48
3.54
39.57%
FNWD
Finward Bancorp
44.22
16.14
57.46%
ECBK
ECB Bancorp, Inc.
20.05
4.08
25.55%
First Guaranty Bancshares Corporate Events
Legal ProceedingsRegulatory Filings and Compliance
First Guaranty Bancshares Enters Capital-Focused Consent Order
Negative
Aug 7, 2026
On August 7, 2026, First Guaranty Bank entered into a consent order with the Federal Deposit Insurance Corporation and the Louisiana Office of Financial Institutions, stemming from a joint regulatory examination completed on September 2, 2025. The...
Business Operations and StrategyM&A Transactions
First Guaranty Bancshares Exits Texas Operations After Sale
Neutral
Aug 6, 2026
First Guaranty Bancshares, Inc. announced that its subsidiary, First Guaranty Bank, completed the sale of its Texas operations to Armstrong Bank on July 31, 2026. The transaction included five branches along with approximately $234 million in depo...
Dividends
First Guaranty Bancshares Declares Quarterly Preferred Dividend
Positive
Aug 5, 2026
On July 16, 2026, First Guaranty Bancshares, Inc. announced that holders of its depositary shares, each representing a 1/40th interest in its 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock, would receive a quarterly cash distri...
Dividends
First Guaranty Bancshares Declares Quarterly Common Stock Dividend
Positive
Jun 4, 2026
On May 21, 2026, First Guaranty Bancshares, Inc. announced that its board of directors declared a quarterly cash dividend of $0.01 per share on its common stock. The dividend will be paid on June 30, 2026, to shareholders of record as of June 26, ...
Executive/Board ChangesShareholder Meetings
First Guaranty Bancshares Shareholders Back Board and Auditors
Positive
May 22, 2026
At its annual meeting of shareholders held on May 21, 2026, First Guaranty Bancshares, Inc. reported that investors elected all nominated directors to the board, including Vanessa R. Drew, Betsy K. Hood, Bruce McAnally, Marshall T. Reynolds, Jack ...
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.