First Guaranty Bancshares (FGBI) AI Stock Analysis

• Market Cap: $77.38M
• Dividend Yield: 0.84%
• Average Volume (3M): 18.52K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.06
• 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: -5.19
• 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: 52 Neutral
• Price Target: $4.50 ▼(-10.71% Downside)

The overall stock score is primarily influenced by financial performance challenges, particularly in the income statement, and bearish technical indicators. However, positive corporate events, such as consistent dividends and strategic leadership appointments, provide some support to the score.

Positive Factors

Cash Flow Growth

Strong free cash flow growth indicates improved cash generation capabilities, enhancing financial flexibility and supporting future investments.

Consistent Dividends

Consistent dividend payments demonstrate financial stability and a commitment to returning value to shareholders, enhancing investor confidence.

Leadership Strengthening

Strengthening leadership with experienced personnel supports strategic growth initiatives and enhances risk management, promoting long-term stability.

Negative Factors

Declining Revenue

Declining revenue indicates potential challenges in maintaining market position and competitiveness, which could impact long-term growth prospects.

Negative Profit Margins

Negative profit margins reflect operational inefficiencies and could hinder the company's ability to reinvest in growth and innovation.

Negative Return on Equity

Negative return on equity suggests inefficiencies in generating returns from equity, potentially impacting investor confidence and financial health.

First Guaranty Bancshares Business Overview & Revenue Model

Company Description

First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It offers various deposit products, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities. The company also provides loans, such as non-farm, non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, multifamily loans, construction and land development loans, agricultural loans, farmland loans, and consumer and other loans to small to medium-sized businesses and professionals, and individuals. In addition, it offers a range of consumer services, including credit cards, mobile deposit capture, safe deposit boxes, official checks, online and mobile banking, automated teller machines, and online bill pay; provides additional solutions, such as merchant services, remote deposit capture, and lockbox services to business customers; and invests a portion of its assets in securities issued by the United States Government and its agencies, state and municipal obligations, corporate debt securities, mutual funds, and equity securities, as well as invests in mortgage-backed securities primarily issued or guaranteed by United States Government agencies or enterprises. The company operates through 36 banking facilities primarily located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, Alexandria, Dallas-Fort Worth-Arlington, Waco, Kentucky, and West Virginia. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.

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: 5.04
• 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 5.04 is above the 20-day moving average (MA) of 4.88, below the 50-day MA of 5.95, and below the 200-day MA of 7.84, indicating a neutral trend. The MACD of -0.21 indicates Negative momentum. The RSI at 45.46 is Neutral, neither overbought nor oversold. The STOCH value of 76.32 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
EBMT	75 Outperform	$156.18M	11.36	7.43%	2.93%	6.10%	59.32%
FNWD	73 Outperform	$161.31M	19.54	5.05%	0.97%	-7.20%	-29.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AFBI	68 Neutral	$131.86M	18.42	5.95%	―	5.18%	36.12%
RBKB	63 Neutral	$134.97M	26.48	3.95%	―	22.30%	―
FGBI	52 Neutral	$77.38M	-1.22	-24.07%	0.84%	1.33%	-593.24%

First Guaranty Bancshares Corporate Events

First Guaranty Bancshares Announces Quarterly Cash Dividend

On November 20, 2025, First Guaranty Bancshares, Inc. announced a quarterly cash dividend of $0.01 per share on its common stock. This marks the 130th consecutive quarterly dividend, highlighting the company’s consistent return to shareholders.

First Guaranty Bancshares Appoints New Chief Lending Officer

On December 4, 2025, First Guaranty Bancshares announced the appointment of Evan Singer as Chief Lending Officer of First Guaranty Bank. Evan Singer, who has over 16 years of banking experience, previously held various leadership roles at the bank, contributing to its growth and operational success. His return is part of a broader strategy initiated in July 2024 to enhance risk management and disciplined growth, which includes strengthening the leadership team to ensure sustainable growth and community support.

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.