Saturday 17 October 2026 Export FGBI’s income statement to Excel — free account

First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $221.8 million, down 10.0% from fiscal 2024. In the quarter to June 2026, revenue fell 5.84%, EPS grew 127.9%, free cash flow grew 17.4% and total debt was flat, each against the same quarter a year earlier. Insiders bought in the last twelve months.

8.22 0.06 +0.74%

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Market cap: $135.0M
P/E: 0.0×
Fwd P/E: 24.3×
Dividend yield: 0.49%
F-score: 2/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 8.62

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	2	5	—	—	3	3	—	2	—	3	5	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 57.18%

Capital & Financial Ratios $m

Market Cap 134.96

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

Fwd P/E 24.30

P/S ratio 0.62

P/B ratio 0.69

Past 5Y EPS Growth —

This Y EPS Growth 112.27%

Next Y EPS Growth 62.50%

Next Y revenue growth (51.88%)

Next 5Y EPS Growth 25.31%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 17.91%

10-year low 10-year high

P/B against its own 10 years 27.68%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate 0.04

Annual Dividend Yield 0.49%

	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 special payouts not included in total or ratios

Assets vs Liabilities $m

	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

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 $m

	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

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	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

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	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

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	18.23	24.38	23.55	20.25	20.35	23.06	29.65	24.12	15.25	11.50
People
People	Employees	304	349	373	457	453	490	499	503	409	346
	Revenue/emp, $m	0.22	0.22	0.22	0.22	0.27	0.25	0.30	0.38	0.60	0.64
Income, $m
Income, $m	Revenue	68	76	84	100	124	123	148	194	246	222
	Gross margin, %	85.09	81.03	74.46	70.02	79.10	81.82	75.25	49.22	45.92	43.03
	EBT	21	19	18	18	26	34	36	12	16	(69)
	EBT margin, %	31.27	25.24	21.12	17.91	20.52	28.09	24.66	6.15	6.49	(30.92)
	Net income	14	12	14	14	20	27	29	9	12	(56)
	Depreciation	4	4	5	4	6	5	6	5	2	14
Per share, $
Per share, $	Revenue	7.39	7.12	7.85	9.37	11.61	11.45	13.77	17.34	19.71	15.86
	Earnings	1.53	1.25	1.46	1.34	1.90	2.42	2.48	0.62	0.81	(4.17)
	Cash flow	2.41	1.15	2.52	2.73	2.22	2.47	3.44	1.94	2.70	(0.59)
	Capex	(0.34)	(0.63)	(0.35)	(1.12)	(0.58)	(0.20)	(0.24)	(1.31)	0.95	(0.04)
	Free cash flow	2.07	0.52	2.17	1.61	1.64	2.28	3.20	0.63	3.65	(0.63)
	Book value	13.51	13.51	13.82	15.57	16.66	20.89	21.93	22.36	20.40	16.18
	Shares, m	9	11	11	11	11	11	11	11	13	14
Valuation, ×
Valuation, ×	P/E	11.81	17.06	13.02	13.78	8.54	8.40	9.49	18.21	14.02	0.00
	P/S	2.45	2.97	2.44	2.11	1.39	1.78	1.70	0.65	0.58	0.34
	P/B	1.34	1.56	1.39	1.27	0.97	1.14	1.24	0.58	0.64	0.39
	EV/Sales	2.72	2.96	1.09	1.69	(0.82)	0.05	1.43	0.28	(0.89)	(2.64)
	EV/FCF	9.71	40.72	3.94	9.84	(5.82)	0.25	6.17	7.66	(4.83)	66.16
Cash, $m
Cash, $m	Operating cash flow	22	12	27	29	24	27	37	22	34	(8)
	Capex	(3)	(7)	(4)	(12)	(6)	(2)	(3)	(15)	12	(1)
	Free cash flow	19	6	23	17	18	24	34	7	46	(9)
Balance, $m
Balance, $m	Working capital	(372)	(380)	(304)	(330)	(133)	(192)	(276)	(61)	(258)	(763)
	Total debt	37	37	15	25	24	50	43	215	202	186
	Net debt	19	(1)	(113)	(42)	(275)	(212)	(40)	(71)	(363)	(660)
	Shareholders’ equity	124	144	147	166	179	224	235	250	255	226
Returns, %
Returns, %	ROA	0.95	0.72	0.80	0.72	0.89	0.97	0.88	0.21	0.27	(1.45)
	ROIC	9.29	8.35	32.47	9.04	0.00	185.77	11.66	4.16	0.00	0.00
	ROE	11.62	8.76	9.76	9.09	11.79	14.03	13.52	3.29	4.61	(28.11)

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FINW FinWise Bancorp	$149.2M	10.5×	13.1×	+98.06% (above 0%: growing)	−48.39% (below 0%: shrinking)	−43.89% (below 0%: shrinking)	91.22%	0.00%	Compare
LSBK Lake Shore Bancorp, Inc.	$142.3M	16.1×	—	+2.32% (above 0%: growing)	+16.05% (above 0%: growing)	+60.67% (above 0%: growing)	75.39%	0.00%	Compare
HYNE Hoyne Bancorp, Inc.	$136.0M	—	—	+11.37% (above 0%: growing)	—	−140.80% (below 0%: shrinking)	83.07%	0.00%	Compare
FGBI First Guaranty Bancshares, Inc.	$135.0M	— (loss-making)	24.3×	−5.84% (below 0%: shrinking)	n/m	+17.37% (above 0%: growing)	45.46%	0.00%
SRBK SR Bancorp, Inc.	$133.4M	41.0×	20.3×	−1.47% (below 0%: shrinking)	−51.91% (below 0%: shrinking)	+141.06% (above 0%: growing)	63.94%	0.00%	Compare
MGYR Magyar Bancorp, Inc.	$128.4M	10.4×	10.6×	+9.88% (above 0%: growing)	+25.00% (above 0%: growing)	+84.11% (above 0%: growing)	63.70%	0.00%	Compare
BOTJ Bank of the James Financial Group, Inc.	$122.6M	10.6×	9.7×	+6.68% (above 0%: growing)	+18.33% (above 0%: growing)	−90.59% (below 0%: shrinking)	81.91%	0.00%	Compare
RVSB Riverview Bancorp Inc	$119.1M	— (loss-making)	17.7×	+6.30% (above 0%: growing)	+33.33% (above 0%: growing)	+342.43% (above 0%: growing)	75.12%	0.00%	Compare
BSBK Bogota Financial Corporation	$116.5M	43.4×	29.2×	−5.42% (below 0%: shrinking)	+200.00% (above 0%: growing)	+11.78% (above 0%: growing)	43.91%	0.00%	Compare
Median of peers	$130.9M	13.4×	15.4×	+6.49%	+18.33%	+36.23%	75.26%	0.00%

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