First Guaranty Bancshares (FGBI)
NASDAQ:FGBI
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First Guaranty Bancshares
(NASDAQ:FGBI)
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Rating:51Neutral
Price Target:
$9.50
▲(47.52% Upside)
Action:Reiterated
Date:06/05/26
The score is held down primarily by materially weakened financial performance (recent revenue declines and a shift to losses, with volatile cash generation). Offsetting factors include constructive technical trend strength (price above major moving averages with neutral momentum) and positive corporate actions (capital ratio improvement expectation from exiting Texas operations and continued dividends), while valuation remains constrained by loss-making results despite a high dividend yield.
Positive Factors
Consistent Capital Return
A 132-quarter dividend streak demonstrates a durable management commitment to returning capital. That consistency supports investor and depositor confidence, signals predictable cash allocation priorities, and can anchor stakeholder relations even during earnings volatility.
Negative Factors
Earnings Deterioration
A shift from prior profitable years to steep revenue declines and sustained operating losses erodes retained earnings and return metrics. Persistent negative margins weaken capacity to fund loan growth, absorb credit shocks, and rebuild capital without external support.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Capital Return
A 132-quarter dividend streak demonstrates a durable management commitment to returning capital. That consistency supports investor and depositor confidence, signals predictable cash allocation priorities, and can anchor stakeholder relations even during earnings volatility.
Read all positive factors
First Guaranty Bancshares (FGBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$173.04M
Dividend Yield0.84%
Average Volume (3M)18.52K
Price to Earnings (P/E)―
Beta (1Y)0.37
Revenue Growth-6.78%
EPS Growth-2658.21%
CountryUS
Employees380
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding16,464,249
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-2.13
Enterprise Value/Revenue-1.71
Enterprise Value/Gross Profit-15.74
Enterprise Value/Ebitda6.70
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
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 (1) generating net interest income and (2) earning noninterest income/fees. Net interest income is typically the largest revenue source for a community bank: the bank collects interest a...
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 | 216.32M | 195.96M | 244.78M | 191.78M | 145.84M | 120.92M |
| Gross Profit | 23.46M | -12.11M | 91.47M | 89.76M | 105.64M | 96.56M |
| EBITDA | -55.13M | -64.27M | 20.44M | 15.92M | 40.50M | 39.23M |
| Net Income | -47.11M | -56.02M | 12.45M | 9.22M | 28.88M | 27.30M |
Balance Sheet | ||||||
| Total Assets | 3.96B | 4.08B | 3.97B | 3.55B | 3.15B | 2.88B |
| Cash, Cash Equivalents and Short-Term Investments | 733.22M | 845.70M | 845.13M | 369.60M | 214.25M | 472.37M |
| Total Debt | 197.08M | 186.13M | 201.92M | 275.40M | 183.37M | 49.63M |
| Total Liabilities | 3.73B | 3.85B | 3.72B | 3.30B | 2.92B | 2.65B |
| Stockholders Equity | 223.99M | 226.22M | 255.05M | 249.63M | 234.99M | 223.89M |
Cash Flow | ||||||
| Free Cash Flow | 35.11M | -9.98M | 30.68M | 6.76M | 34.22M | 24.32M |
| Operating Cash Flow | 36.92M | -8.28M | 33.73M | 21.71M | 36.87M | 26.52M |
| Investing Cash Flow | -93.21M | 129.90M | -142.07M | -206.09M | -467.91M | -452.64M |
| Financing Cash Flow | 171.63M | 159.88M | 386.09M | 387.61M | 252.33M | 388.45M |
First Guaranty Bancshares Technical Analysis
Positive
6.44
Price Trends
9.50
Positive
9.10
Positive
7.99
Positive
Market Momentum
0.30
Negative
57.25
Neutral
68.81
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FGBI, the sentiment is Positive. The current price of 6.44 is below the 20-day moving average (MA) of 9.72, below the 50-day MA of 9.50, and below the 200-day MA of 7.99, indicating a bullish trend. The MACD of 0.30 indicates Negative momentum. The RSI at 57.25 is Neutral, neither overbought nor oversold. The STOCH value of 68.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | $184.48M | 11.71 | 8.29% | 2.93% | 3.88% | 40.69% | |
70 Outperform | $137.01M | 15.60 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $186.82M | 18.48 | 7.42% | ― | 36.10% | ― | |
62 Neutral | $145.05M | 14.62 | 5.92% | 0.97% | 0.68% | 199.51% | |
51 Neutral | $173.04M | -3.40 | -20.17% | 0.84% | -6.78% | -2658.21% |
* Financial Sector Average
FGBI
First Guaranty Bancshares
10.14
2.48
32.45%
EBMT
Eagle Bancorp Montana
23.33
8.33
55.57%
AFBI
Affinity Bancshares
22.49
4.17
22.76%
RBKB
Rhinebeck Bancorp
17.00
4.90
40.50%
FNWD
Finward Bancorp
33.75
5.51
19.50%
ECBK
ECB Bancorp, Inc.
19.18
4.11
27.27%
First Guaranty Bancshares Corporate Events
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 ...
Business Operations and Strategy
First Guaranty Bancshares Ends Sale-Leaseback, Buys Back Branches
Neutral
May 5, 2026
On April 29, 2026, First Guaranty Bank repurchased three previously sold properties—two stand-alone branches and part of its headquarters building containing a branch—from related-party entity FGB Partners for $14.77 million in cash. T...
Dividends
First Guaranty Bancshares Declares Quarterly Preferred Stock Dividend
Positive
May 1, 2026
On April 16, 2026, the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend of $16.875 per share on its 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock, with each outstanding depositary share ...
Executive/Board Changes
First Guaranty Bancshares Appoints Betsy Hood to Board
Positive
Apr 22, 2026
First Guaranty Bancshares, Inc. elected Betsy K. Hood to its Board of Directors on April 16, 2026, adding a leader with more than 25 years of experience in the retail automotive industry. Hood, Dealer Principal of Hood Automotive Group and preside...
Business Operations and StrategyPrivate Placements and Financing
First Guaranty Amends Insider Notes to Boost Flexibility
Positive
Mar 24, 2026
On March 20, 2026, First Guaranty Bancshares, Inc. executed a second amendment to its promissory note with Smith Tate Investment, L.L.C., a firm controlled by director and principal shareholder Edgar Ray Smith III. The amendment extends the waive...
Dividends
First Guaranty Bancshares Declares 131st Consecutive Quarterly Dividend
Positive
Mar 17, 2026
On February 19, 2026, First Guaranty Bancshares, Inc. announced that its board of directors declared a quarterly cash dividend of $0.01 per share on its outstanding common stock. The dividend will be paid on March 31, 2026, to shareholders of reco...
Business Operations and StrategyM&A Transactions
First Guaranty Bancshares to Exit Texas Operations
Positive
Mar 11, 2026
On March 10, 2026, First Guaranty Bancshares, Inc. announced it had signed a definitive purchase and assumption agreement to sell its Texas operations, including five branches in the Dallas‑Fort Worth metroplex and Waco, to Armstrong Bank of...
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.