Foresight Financial Group (FGFH) AI Stock Analysis

• Market Cap: $138.80M
• Dividend Yield: 1.89%
• Average Volume (3M): 7.38K
• Price to Earnings (P/E): 17.8
• Beta (1Y): -0.07
• Revenue Growth: 43.53%
• EPS Growth: -54.77%
• Country: US
• Employees: 250
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.44
• Shares Outstanding: 3,617,060
• 10 Day Avg. Volume: 4,329
• 30 Day Avg. Volume: 7,379
• PEG Ratio: -0.79
• Price to Book (P/B): 0.75
• Price to Sales (P/S): 1.32
• P/FCF Ratio: 11.07
• Enterprise Value/Market Cap: 1.17
• Enterprise Value/Revenue: 3.57
• Enterprise Value/Gross Profit: 5.67
• Enterprise Value/Ebitda: 36.08
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• 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.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term expansion and profitability.

Cash Flow Management

Efficient cash flow management ensures liquidity and supports strategic investments, enhancing the company's financial resilience and growth potential.

Profit Margins

Strong profit margins reflect effective cost control and pricing power, contributing to sustainable profitability and competitive advantage.

Negative Factors

Equity Positioning

A low equity ratio could limit financial flexibility and increase vulnerability to economic downturns, potentially impacting long-term stability.

Earnings Volatility

Significant earnings volatility may indicate underlying business challenges, affecting investor confidence and long-term valuation.

Debt Levels

While leverage is manageable, any increase in debt could strain financial resources, impacting future growth and operational flexibility.

Foresight Financial Group Business Overview & Revenue Model

Company Description

Foresight Financial Group, Inc., together with its subsidiaries, provides various banking services to individuals and businesses in the United States. Its deposit products include demand deposits and certificates of deposit; and loan portfolio comprises agricultural, agribusiness, commercial, real estate, and installment loans. It serves its customers through facilities in the Rockford, Freeport, German Valley, Davis, Lena, Winnebago, Pecatonica, Seward, Kankakee, Loves Park, Machesney Park, Belvidere, and Herscher areas of Illinois. Foresight Financial Group, Inc. was founded in 1986 and is based in Winnebago, Illinois.

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	45.40M	87.89M	78.08M	60.87M	56.87M	58.36M
Gross Profit	28.62M	55.13M	55.72M	53.53M	49.97M	45.24M
EBITDA	4.49M	16.23M	20.22M	18.81M	15.96M	14.59M
Net Income	3.72M	12.66M	14.55M	13.63M	11.39M	10.29M
Balance Sheet
Total Assets	1.61B	1.64B	1.57B	1.48B	1.45B	1.38B
Cash, Cash Equivalents and Short-Term Investments	404.43M	0.00	413.13M	433.72M	540.37M	497.83M
Total Debt	52.35M	61.73M	58.66M	43.66M	52.72M	68.06M
Total Liabilities	1.45B	1.48B	1.43B	1.35B	1.30B	1.23B
Stockholders Equity	159.96M	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	17.71M	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: 42.29
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 42.29 is above the 20-day moving average (MA) of 40.22, above the 50-day MA of 36.97, and above the 200-day MA of 32.60, indicating a bullish trend. The MACD of 1.39 indicates Negative momentum. The RSI at 92.87 is Negative, neither overbought nor oversold. The STOCH value of 99.04 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	78 Outperform	$133.72M	10.04	10.12%	2.83%	10.78%	21.72%
AFBI	71 Outperform	$123.48M	17.24	5.95%	―	5.18%	36.12%
FGFH	70 Outperform	$138.80M	17.79	4.45%	1.89%	43.53%	-54.77%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SRBK	65 Neutral	$117.69M	39.72	1.57%	0.94%	9.43%	166.36%
SFBC	63 Neutral	$113.50M	16.76	6.52%	1.72%	2.85%	73.41%
BSBK	48 Neutral	$112.26M	225.92	0.35%	―	-15.09%	―