Foresight Financial Group (FGFH) AI Stock Analysis

• Market Cap: $113.94M
• Dividend Yield: 2.41%
• Average Volume (3M): 1.20K
• Price to Earnings (P/E): 11.8
• Beta (1Y): -0.06
• Revenue Growth: 13.99%
• EPS Growth: -38.66%
• Country: US
• Employees: 250
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.82
• Shares Outstanding: 3,617,060
• 10 Day Avg. Volume: 1,216
• 30 Day Avg. Volume: 1,200
• PEG Ratio: -0.50
• Price to Book (P/B): 0.70
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.49
• Enterprise Value/Revenue: 0.80
• Enterprise Value/Gross Profit: 2.99
• Enterprise Value/Ebitda: 3.47
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 70 Outperform
• Price Target: ―

Foresight Financial Group exhibits robust financial performance with strong revenue growth and profitability. However, bearish technical indicators suggest caution in the short term. The stock is attractively valued with a low P/E ratio and a decent dividend yield, offering potential upside. Overall, while financial stability is a strength, technical weaknesses present short-term risks.

Foresight Financial Group Business Overview & Revenue Model

Company Description

Foresight Financial Group (FGFH) is a leading financial services firm operating within the banking, investment management, and insurance sectors. The company provides a diverse range of financial products and services including personal and business banking, wealth management, investment advisory, and insurance solutions tailored to meet the needs of individual and institutional clients.

How the Company Makes Money

FGFH generates revenue through multiple streams, primarily from interest income on loans and advances, fees for financial advisory and wealth management services, and premiums from insurance policies. The company also earns through investment income by managing portfolios for clients and proprietary trading. Strategic partnerships with other financial institutions and fintech companies enhance its service offerings and expand its market reach, contributing significantly to its earnings. Additionally, FGFH benefits from cross-selling opportunities within its integrated financial services platform, optimizing revenue generation from its broad client base.

Foresight Financial Group Financial Statement Overview

Summary

Foresight Financial Group presents a robust financial performance with strengths in revenue growth, profit margins, and cash flow generation. The balance sheet is stable, although there is room for improvement in equity positioning. The company is well-positioned in the banking industry, with a strong foundation for continued growth and value creation.

Income Statement

Foresight Financial Group demonstrates strong profitability with consistent revenue growth and robust profit margins. The gross profit margin remains high, indicating efficient cost management. The EBIT and EBITDA margins reflect strong operational performance. Revenue growth is steady and positive, showcasing a healthy upward trajectory over the years.

Balance Sheet

The balance sheet reveals a moderate debt-to-equity ratio, suggesting manageable leverage levels. Return on Equity (ROE) is solid, reflecting effective use of equity to generate profits. However, the equity ratio is relatively low, indicating potential risk if liabilities surge. Overall, the financial stability is satisfactory with room for improvement in equity positioning.

Cash Flow

Cash flow analysis shows a stable operating cash flow and healthy free cash flow generation. The company maintains a strong operating cash flow to net income ratio, suggesting efficient cash conversion. While free cash flow has seen slight fluctuations, the overall growth trajectory remains positive, indicating sound cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	56.83M	87.89M	55.72M	54.08M	50.72M	49.02M
Gross Profit	56.91M	0.00	56.83M	54.08M	50.72M	49.02M
EBITDA	16.74M	16.23M	20.22M	18.81M	15.96M	14.59M
Net Income	14.55M	12.66M	14.55M	13.63M	11.39M	10.29M
Balance Sheet
Total Assets	1.58B	1.64B	1.57B	1.48B	1.45B	1.38B
Cash, Cash Equivalents and Short-Term Investments	-27.11M	0.00	47.51M	433.72M	540.37M	497.83M
Total Debt	58.66M	61.73M	282.16M	283.42M	283.60M	267.82M
Total Liabilities	1.44B	1.48B	1.43B	1.35B	1.30B	1.23B
Stockholders Equity	140.86M	153.40M	140.86M	127.23M	155.23M	153.82M
Cash Flow
Free Cash Flow	0.00	10.47M	16.81M	18.50M	18.20M	17.77M
Operating Cash Flow	0.00	11.24M	17.83M	20.08M	18.66M	18.22M
Investing Cash Flow	0.00	-39.34M	-89.99M	-114.64M	-111.69M	-108.64M
Financing Cash Flow	0.00	46.38M	74.18M	46.74M	59.92M	156.74M

Foresight Financial Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 31.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FGFH, the sentiment is Positive. The current price of 31.5 is above the 20-day moving average (MA) of 31.18, above the 50-day MA of 30.98, and below the 200-day MA of 32.07, indicating a neutral trend. The MACD of 0.15 indicates Negative momentum. The RSI at 59.54 is Neutral, neither overbought nor oversold. The STOCH value of 83.92 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FGFH.

Foresight Financial Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	74 Outperform	$129.20M	10.83	9.24%	2.94%	9.89%	2.74%
FGFH	70 Outperform	$113.94M	11.80	5.70%	2.41%	13.99%	-38.66%
AFBI	68 Neutral	$119.06M	20.90	5.67%	―	6.51%	28.94%
Sector *	68 Neutral	$17.10B	11.19	9.70%	3.58%	11.11%	-4.55%
MNSB	64 Neutral	$164.10M	14.43	-4.04%	1.89%	4.00%	-172.13%
RVSB	58 Neutral	$113.06M	23.15	3.11%	1.49%	9.61%	29.84%
RBKB	58 Neutral	$142.17M	―	-4.65%	―	-17.56%	-233.71%