First Guaranty Bancshares, Inc. FGBI

8.01 0.10 1.26% as of 25 Sep
Market cap
$130.8M
P/E
0.0×
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 7.80
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 2 5 — — 3 3 — 2 — 3 4
Sell — — — — — — — — — — — —
Insider Ownership 56.57%

Capital & Financial Ratios

Market Cap 130.82
Revenue 216.12
Net Income (36.38)
Free Cash Flow 39.97
Net Debt (595.55)
Current Ratio 0.73
Debt/Equity 0.82
P/E ratio 0.00
P/S ratio 0.61
P/B ratio 0.67
Past 5Y EPS Growth (9.53%)
This Y EPS Growth 112.27%
Next Y EPS Growth 62.50%
Next 5Y EPS Growth 25.31%
in millions of $

Dividends

Payout Ratio 0.41
Annual Dividend Rate 0.64
Annual Dividend Yield 5.75%
total individual payouts
2027 Powerpack
2026 0.04
0.01
0.01
0.01
2025 0.04
0.01
0.01
0.01
0.01
2024 0.41
0.16
0.16
0.08
0.01
2023 0.64
0.16
0.16
0.16
0.16
2022 0.64
0.16
0.16
0.16
0.16
2021 0.60
0.15
0.15
0.15
0.16
2020 0.58
0.15
0.15
0.15
0.15
2019 0.54
0.13
0.13
0.13
0.15
2018 0.53
0.13
0.13
0.13
0.13
2017 0.49
0.12
0.12
0.12
0.13
2016 0.48
0.12
0.12
0.12
0.12
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 286 564 846 782
Receivables — — — —
Inventory — — — —
Other — — — —
3,020 3,238 2,887 2,525
2023 2024 2025 Q'26
Payables 3,009 3,476 3,633 3,457
ST’ Debt — — — —
Other — — — —
3,081 3,497 3,651 3,475
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 13.05% 12.24% 14.54%
Cash Flow 0.00% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value 6.70% 4.84% (1.26%)

Revenue

Mar Jun Sep Dec Year
’26 54 53 — — —
’25 57 56 55 53 222
’24 55 69 62 60 246
’23 44 47 50 53 194
’22 32 35 39 41 148
’21 28 31 31 33 123
’20 28 29 29 39 124
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 51 (1) — — —
’25 5 (18) 29 (25) (8)
’24 2 8 5 19 34
’23 4 8 (3) 13 22
’22 8 12 13 3 37
’21 5 (8) 11 18 27
’20 4 4 7 9 24
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 51 (15) — — —
’25 5 (19) 30 (25) (9)
’24 0 21 5 19 46
’23 3 5 (7) 6 7
’22 8 11 13 3 34
’21 4 (9) 11 17 24
’20 2 2 6 7 18
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.14 0.17 — — —
’25 (0.54) (0.61) (3.01) 0.28 (4.17)
’24 0.14 0.53 0.11 0.03 0.81
’23 0.27 0.19 0.10 0.06 0.62
’22 0.65 0.70 0.70 0.42 2.48
’21 0.47 0.58 0.67 0.70 2.42
’20 0.35 0.48 0.48 0.57 1.90
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
10.97 16.17 15.87 14.88 10.26 13.94 19.13 9.24 8.39 4.31

Analyst estimates 2026–2028

Powerpack
Low Price
18.23 24.38 23.55 20.25 20.35 23.06 29.65 24.12 15.25 11.50
High Price
304 349 373 457 453 490 499 503 409 346
Employees
0 0 0 0 0 0 0 0 1 1
Revenue/Emp
68 76 84 100 124 123 148 194 246 222
Revenue
85.09% 81.03% 74.46% 70.02% 79.10% 81.82% 75.25% 49.22% 45.92% 43.03%
Gross Margin
21 19 18 18 26 34 36 12 16 (69)
EBT
31.27% 25.24% 21.12% 17.91% 20.52% 28.09% 24.66% 6.15% 6.49% (30.92%)
EBT Margin
14 12 14 14 20 27 29 9 12 (56)
Net Income
4 4 5 4 6 5 6 5 2 14
Depreciation
7.39 7.12 7.85 9.37 11.61 11.45 13.77 17.34 19.71 15.86
Revenue/Sh
1.53 1.25 1.46 1.34 1.90 2.42 2.48 0.62 0.81 (4.17)
Earnings/Sh
2.41 1.15 2.52 2.73 2.22 2.47 3.44 1.94 2.70 (0.59)
Cash Flow/Sh
(0.34) (0.63) (0.35) (1.12) (0.58) (0.20) (0.24) (1.31) 0.95 (0.04)
Capex/Sh
2.07 0.52 2.17 1.61 1.64 2.28 3.20 0.63 3.65 (0.63)
Free CF/Sh
13.51 13.51 13.82 15.57 16.66 20.89 21.93 22.36 20.40 16.18
Book Value/Sh
9 11 11 11 11 11 11 11 13 14
Shares
11.81 17.06 13.02 13.78 8.54 8.40 9.49 18.21 14.02 0.00
PE Ratio
2.45 2.97 2.44 2.11 1.39 1.78 1.70 0.65 0.58 0.34
PS Ratio
1.34 1.56 1.39 1.27 0.97 1.14 1.24 0.58 0.64 0.39
PB Ratio
2.72 2.96 1.09 1.69 (0.82) 0.05 1.43 0.28 (0.89) (2.64)
EV/Sales
9.71 40.72 3.94 9.84 (5.82) 0.25 6.17 7.66 (4.83) 66.16
EV/FCF
22 12 27 29 24 27 37 22 34 (8)
Op' Cash Flow
(3) (7) (4) (12) (6) (2) (3) (15) 12 (1)
Capex
19 6 23 17 18 24 34 7 46 (9)
FCF
(372) (380) (304) (330) (133) (192) (276) (61) (258) (763)
Working Cap'
37 37 15 25 24 50 43 215 202 186
Total Debt
19 (1) (113) (42) (275) (212) (40) (71) (363) (660)
Net Debt
124 144 147 166 179 224 235 250 255 226
Sh' Equity
0.95% 0.72% 0.80% 0.72% 0.89% 0.97% 0.88% 0.21% 0.27% (1.45%)
ROA
9.29% 8.35% 32.47% 9.04% 0.00% 185.77% 11.66% 4.16% 0.00% 0.00%
ROIC
11.62% 8.76% 9.76% 9.09% 11.79% 14.03% 13.52% 3.29% 4.61% (28.11%)
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

First Guaranty Bancshares, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

First Guaranty Bancshares, Inc. (FGBI) key facts

  • First Guaranty Bancshares, Inc. (FGBI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • First Guaranty Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $221.8 million, down 10.0% from fiscal 2024.
  • As of September 25, 2026, FGBI traded at $8.01, a market capitalization of $130.8 million.
  • First Guaranty Bancshares, Inc. pays an annual dividend of $0.64 per share, a yield of 5.75%, with a payout ratio of 40.5%.
  • Return on equity was −28.1% and debt-to-equity 0.82.

Source: company filings (standardised) and stockrow calculations.

First Guaranty Bancshares, Inc. (FGBI) Latest News

News by impact score

Fine-tune

2 May

3

First Guaranty Bancshares, Inc. (FGBI) insiders placed bullish bets worth US$6.47 million, signaling strong confidence in the company's future. Insider purchases totaling $6.47 million demonstrate management confidence, likely boosting investor sentiment and stock performance moderately.

31 Mar

4

First Guaranty Bancshares, Inc. (FGBI) reported Q4 earnings that surpassed analyst estimates. Q4 earnings beat signals strong financial performance, likely driving positive investor sentiment and stock price gains.

10 Feb

3

Insiders at First Guaranty Bancshares, Inc. (FGBI) hold a 52% ownership stake and have recently increased their share purchases, indicating strong confidence in the company's future prospects. Insider buying typically reflects positive sentiment, which may moderately influence market perception and investor confidence.

6 Jan

4

First Guaranty Bancshares (FGBI) has experienced a 23.36% loss in the past 4 weeks, indicating a potential trend reversal. The significant loss in share value suggests a major impact on the company's trajectory and investor sentiment.

3

First Guaranty Bancshares, Inc. (FGBI) experienced a significant increase of 19.7% in its stock price, raising questions about the sustainability of this upward trend. Analysts are evaluating the factors contributing to this surge and whether it reflects a lasting improvement in the company's market position or is merely a temporary spike. The stock price increase indicates a moderately noticeable influence on market sentiment and potential financial performance.

17 Nov

3

First Guaranty Bancshares, Inc. (FGBI) reported a loss for the third quarter, falling short of revenue estimates. The financial results indicate challenges in maintaining profitability, raising concerns among investors about the company's future performance. The reported loss and missed revenue estimates may moderately influence investor sentiment and financial performance.

28 Oct

3

Southern First (SFST) reported Q3 earnings and revenues that exceeded analysts' expectations, showcasing strong financial performance driven by increased net interest income and improved asset quality. The bank's loan growth and effective cost management contributed to its positive results, reflecting a robust operational strategy. Investors reacted favorably to the news, indicating confidence in the bank's future prospects. The strong earnings report may influence market sentiment and financial performance but is not expected to fundamentally alter the company's trajectory.

23 Oct

3

First Guaranty Bancshares, Inc. (FGBI) is expected to report a decline in earnings for the third quarter. Analysts predict that the company's financial performance will be negatively impacted due to various market conditions and operational challenges. Investors are advised to monitor the upcoming earnings report closely for insights into the company's future trajectory. A decline in earnings is expected to moderately influence FGBI's financial performance and market sentiment.

18 Aug

3

First Guaranty Bancshares, Inc. (FGBI) reported a loss for the second quarter, falling short of revenue estimates. The company's financial performance has raised concerns among investors, as it struggles to meet market expectations amidst challenging economic conditions. The reported loss and revenue shortfall may moderately influence investor sentiment and financial performance.

3

First Guaranty Bancshares, Inc. (FGBI) reported its Q2 earnings, showcasing a notable increase in net income compared to the previous year. The bank's performance was driven by growth in loans and deposits, alongside improved net interest margins. Additionally, the company highlighted its strategic initiatives aimed at enhancing operational efficiency and customer service. Overall, the results reflect a positive trajectory for FGBI amidst a competitive banking landscape. The earnings report indicates moderate growth and operational improvements that may influence financial performance.

5 Aug

3

First Guaranty Bancshares, Inc. reported a loss of US$0.50 per share for the second quarter of 2025, a significant decline compared to a profit of US$0.53 per share in the same quarter of 2024. This marks a notable downturn in the company's financial performance year-over-year. The loss indicates a moderately noticeable influence on financial performance, which could affect investor sentiment and market positioning.

4 Jul

3

W. McAnally, an Independent Director at First Guaranty Bancshares, Inc. (NASDAQ:FGBI), purchased US$250k worth of shares at US$8.10 each, increasing their stake by 17%. Edgar Smith, another insider, made a larger purchase of US$834k at US$8.47 per share in the past year, indicating optimism about the stock's current price of US$8.86. No insiders sold shares during this period, and insiders collectively own 44% of the company, valued at approximately US$50m. The recent insider buying suggests confidence in the company's future, although there is one warning sign to consider. Recent insider purchases indicate a positive outlook, but the overall impact on the company's trajectory is expected to be limited.

22 May

3

Investors in First Guaranty Bancshares, Inc. (NASDAQ:FGBI) have experienced a significant loss of 64% over the past three years. The decline in stock value raises concerns about the company's financial health and future performance, prompting investors to reassess their positions. The substantial loss in stock value indicates potential challenges in financial performance and investor sentiment.

12 May

3

First Guaranty Bancshares (FGBI) reported a quarterly loss of $0.54 per share, significantly missing the Zacks Consensus Estimate of $0.17, compared to earnings of $0.14 per share a year ago. The company's revenues for the quarter were $24.58 million, slightly exceeding estimates and up from $24.23 million a year prior. FGBI has surpassed consensus revenue estimates three times in the last four quarters. The stock has declined 15.4% year-to-date, while the S&P 500 fell 3.8%. The current consensus EPS estimate for the next quarter is $0.20, with revenues expected at $24.99 million. The Zacks Rank for FGBI is #3 (Hold), indicating expected performance in line with the market. The Banks - Southeast industry is currently in the top 20% of Zacks industries. The significant earnings miss and mixed outlook indicate a moderately noticeable influence on FGBI's future performance.

3

First Guaranty Bancshares Inc. (FGBI) reported a loss of $6.2 million in its first quarter, equating to a loss of 54 cents per share. The bank, located in Hammond, Louisiana, generated revenue of $56.8 million during the period, with revenue net of interest expense reaching $24.6 million, aligning with Street forecasts. The reported loss and revenue figures indicate financial challenges that may moderately influence investor sentiment and the bank's performance.

15 Apr

3

First Guaranty Bancshares, Inc. (FGBI) experienced a notable surge of 6.7% in its stock price, raising questions about the potential for further gains. Analysts are evaluating the factors contributing to this increase and whether it signals a positive trend for the company's future performance in the market. The stock surge indicates a moderately noticeable influence on market sentiment and potential financial performance.

22 Mar

3

Insiders hold a significant stake in First Guaranty Bancshares, Inc. (FGBI), owning around 44% of shares, which contributed to a 21% stock gain last week. The top four shareholders control about 50% of the company, indicating substantial influence. Institutional investors also have a notable presence, suggesting credibility, but the company lacks hedge fund ownership. Insiders own shares worth $47 million in a $107 million company, reflecting alignment with shareholder interests. The general public holds a 39% stake, while private companies own 8.7%. Analyst coverage is limited, indicating potential for growth in interest. Insider ownership and recent stock performance suggest moderate influence on future market sentiment and company trajectory.

1 Feb

3

First Guaranty Bancshares (NASDAQ:FGBI) reported its Full Year 2024 results, showing revenue of US$93.1 million, a 1.7% increase from FY 2023. Net income rose 47% to US$10.1 million, with a profit margin of 11%, up from 7.5% in FY 2023, primarily due to lower expenses. Earnings per share (EPS) increased to US$0.81 from US$0.62 in FY 2023. However, FGBI shares are down 2.1% from the previous week. A warning sign has been identified for potential investors. The significant increase in net income and profit margin indicates a moderately noticeable influence on financial performance.

30 Jan

4

First Guaranty Bancshares, Inc. (FGBI) reported its Q4 earnings, surpassing analysts' estimates. The company's strong performance was attributed to increased net interest income and improved asset quality. FGBI's management expressed optimism about future growth, citing strategic initiatives and a favorable economic environment. The results reflect the bank's resilience and effective operational strategies, positioning it well for upcoming challenges in the financial sector. Strong earnings performance and management's positive outlook indicate significant potential for future growth and market confidence.

3

First Guaranty Bancshares, Inc. reported its Q4 earnings, highlighting a notable increase in net income compared to the previous year. The bank's total assets grew, driven by strong loan demand and improved deposit levels. Management expressed optimism about future growth prospects, citing strategic initiatives aimed at enhancing operational efficiency and expanding market presence. The earnings report reflects the bank's resilience in a competitive landscape, positioning it for continued success in the upcoming fiscal year. The earnings report indicates moderate growth and strategic initiatives that may positively influence financial performance.

17 Jan

3

First Guaranty Bancshares, Inc. (FGBI) is being evaluated for its potential as a value investment. Analysts are considering its financial metrics, market position, and recent performance trends. The company's stock may appeal to value investors looking for opportunities in the banking sector, especially given its current valuation relative to earnings and growth prospects. Investors are advised to weigh the risks and rewards before making decisions. Current financial metrics and market conditions suggest a moderate influence on FGBI's performance and investor sentiment.

23 Dec

4

First Guaranty Bancshares, Inc. (NASDAQ:FGBI) is going ex-dividend in 3 days, with a dividend payment of US$0.01 per share. The company's earnings have been declining, and its dividend has also been decreasing over the past 10 years. The declining earnings and dividend, along with the issuance of new shares, are likely to have a significant impact on the company's future performance.

21 Dec

4

First Guaranty Bancshares' (NASDAQ:FGBI) dividend will be reduced to $0.01. The significant reduction in dividend payout is expected to have a major impact on the company's future financial performance and investor sentiment.

19 Dec

4

First Guaranty Bancshares in Hammond, Louisiana, slashes dividend from 8 cents to 1 cent per share, marking second reduction this year as bank aims to lower costs and increase capital amid struggles. Asset quality under pressure with significant uptick in provisions for credit losses and charge-offs. Significant impact likely on future and performance due to major strategic moves, cost-cutting efforts, and asset quality challenges faced by the company.

13 Dec

4

First Guaranty Bancshares (NASDAQ:FGBI) stock falls 12% in past week as three-year earnings and shareholder returns continue downward trend. The article highlights significant negative trends in earnings and shareholder returns over the past three years, indicating a potential major impact on the company's future performance.

31 Oct

4

First Guaranty Bancshares (FGBI) beat Q3 earnings and revenue estimates, with earnings of $0.11 per share and revenues of $27.1 million. The article indicates significant impact on future performance due to the company's strong earnings and revenue beat.

4

First Guaranty Bancshares, Inc. announced its financial results for the third quarter and nine months ending September 30, 2024, showing increases in total assets, loans, deposits, and net income. The financial results show significant increases in key areas like total assets, loans, deposits, and net income, indicating a potentially significant impact on the company's future performance.

3

First Guaranty Bancshares Inc. reported net income of $1.9 million in the third quarter, with earnings of 11 cents per share and revenue of $61.8 million. The reported earnings and revenue beat Street forecasts, indicating a moderately noticeable influence on the company's financial performance.

22 Oct

3

Wall Street expects First Guaranty Bancshares (FGBI) to report a decline in earnings for the quarter ended September 2024, with a consensus EPS estimate of $0.01 per share, representing a year-over-year change of -90%. The article discusses potential impact on the company's financial performance and stock price based on upcoming earnings report.

12 Aug

4

First Guaranty Bancshares reported strong second quarter 2024 earnings, with revenue up 29% and net income up 216% from the same period in 2023. The significant increase in revenue and profit margin is expected to have a major impact on the company's future performance and investor sentiment.

stockrow.com/FGBI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com