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Monday 9 November 2026
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AGI, Inc.
AGBKAGI, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.9 billion, up 41.8% from fiscal 2024.
- Free cash flow
- −476.1%
- Total debt
- +234.1%
Quarter to June 2026, against a year earlier
4.86
0.05
+1.04%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Jun ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | — | 1,351 | 1,915 | — | +41.8% | 1,122 | 1,515 | 1,904 | (0.2%) | |
| Gross margin, % | — | — | — | — | — | — | — | — | 61.96 | 52.53 | — | (9.4) pt | ||||||
| EBT | — | — | — | — | — | — | — | — | 193 | 239 | — | +24.1% | ||||||
| EBT margin, % | — | — | — | — | — | — | — | — | 14.29 | 12.50 | — | (1.8) pt | ||||||
| Net income | — | — | — | — | — | — | — | — | 147 | 187 | 264 | +27.3% | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | — | 1.71 | 2.33 | 0.00 | +35.9% | |||||
| Earnings | — | — | — | — | — | — | — | — | 0.19 | 0.22 | — | +17.9% | ||||||
| Cash flow | — | — | — | — | — | — | — | — | 0.11 | (0.09) | (2.63) | n/m | ||||||
| Capex | — | — | — | — | — | — | — | — | (0.03) | (0.04) | (0.11) | +39.5% | ||||||
| Free cash flow | — | — | — | — | — | — | — | — | 0.09 | (0.12) | (2.74) | n/m | ||||||
| Book value | — | — | — | — | — | — | — | — | 0.58 | 0.71 | 6.64 | +22.5% | ||||||
| Shares, m | — | — | — | — | — | — | — | — | 789 | 823 | — | +4.3% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | — | — | — | — | — | |||||
| P/S | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.0 | ||||||
| P/B | — | — | — | — | — | — | — | — | 15.14 | 15.14 | 0.73 | 15.1 | ||||||
| EV/Sales | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.0 | ||||||
| EV/FCF | — | — | — | — | — | — | — | — | 0.00 | 0.00 | (3.05) | 0.0 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | — | 90 | (73) | (376) | n/m | |||||
| Capex | — | — | — | — | — | — | — | — | (20) | (29) | (16) | +45.5% | ||||||
| Free cash flow | — | — | — | — | — | — | — | — | 70 | (102) | (393) | n/m | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | — | 1,063 | 1,535 | 2,389 | +44.4% | |||||
| Net debt | — | — | — | — | — | — | — | — | 46 | (57) | 149 | n/m | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | — | 459 | 587 | 950 | +27.8% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | — | 0.00 | 2.65 | 0.00 | +2.7 pt | |||||
| ROIC | — | — | — | — | — | — | — | — | 23.86 | 28.27 | 0.00 | +4.4 pt | ||||||
| ROE | — | — | — | — | — | — | — | — | 0.00 | 35.54 | 0.00 | +35.5 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 5,062 | 5,001 | — | (1.2%) | |||||
| Revenue/emp, $m | — | — | — | — | — | — | — | — | 0.27 | 0.38 | — | +43.6% | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026
AGI, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| IBCP Independent Bank Corp. | $801.7M | 10.6× | 10.7× | +14.65% (above 0%: growing) | −4.71% (below 0%: shrinking) | −1.00% (below 0%: shrinking) | 76.31% | 0.00% | Compare |
| SPFI South Plains Financial, Inc. | $800.1M | 10.8× | 10.9× | +19.20% (above 0%: growing) | +10.19% (above 0%: growing) | +36.07% (above 0%: growing) | 72.35% | 0.00% | Compare |
| AGBK AGI, Inc. | $777.3M | — | — | — | — | −476.07% (below 0%: shrinking) | 45.30% | 0.00% | |
| FISI Financial Institutions, Inc. | $775.6M | 9.7× | 9.7× | +0.58% (above 0%: growing) | +24.71% (above 0%: growing) | +397.95% (above 0%: growing) | 68.40% | 0.00% | Compare |
| SMBC Southern Missouri Bancorp, Inc. | $774.7M | 10.4× | 10.5× | +4.23% (above 0%: growing) | +24.46% (above 0%: growing) | +34.51% (above 0%: growing) | 63.98% | 0.00% | Compare |
| SHBI Shore Bancshares Inc | $746.4M | 10.9× | 10.4× | +3.34% (above 0%: growing) | +16.84% (above 0%: growing) | −14.11% (below 0%: shrinking) | 71.59% | 0.00% | Compare |
| HTB HomeTrust Bancshares, Inc. | $743.1M | 11.7× | 11.9× | −2.95% (below 0%: shrinking) | +15.63% (above 0%: growing) | +417.30% (above 0%: growing) | 77.17% | 0.00% | Compare |
| WASH Washington Trust Bancorp, Inc. | $737.4M | 11.5× | 11.5× | +0.09% (above 0%: growing) | +78.95% (above 0%: growing) | −48.12% (below 0%: shrinking) | 65.83% | 0.00% | Compare |
| PFIS Peoples Financial Services Corp. | $723.2M | 11.9× | 10.9× | +9.16% (above 0%: growing) | +25.21% (above 0%: growing) | +54.41% (above 0%: growing) | 68.67% | 0.00% | Compare |
| Median of peers | $760.6M | 10.9× | 10.8× | +3.78% | +20.65% | +35.29% | 70.13% | 0.00% |