First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc.

FGBIยทNASDAQ

$9.47

+0.26%
Financial ServicesBanks - Regional

First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It offers various deposit products, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities. The company also provides loans, such as non-farm, non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, multifamily loans, construction and land development loans, agricultural loans, farmland loans, and consumer and other loans to small to medium-sized businesses and professionals, and individuals. In addition, it offers a range of consumer services, including credit cards, mobile deposit capture, safe deposit boxes, official checks, online and mobile banking, automated teller machines, and online bill pay; provides additional solutions, such as merchant services, remote deposit capture, and lockbox services to business customers; and invests a portion of its assets in securities issued by the United States Government and its agencies, state and municipal obligations, corporate debt securities, mutual funds, and equity securities, as well as invests in mortgage-backed securities primarily issued or guaranteed by United States Government agencies or enterprises. The company operates through 36 banking facilities primarily located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, Alexandria, Dallas-Fort Worth-Arlington, Waco, Kentucky, and West Virginia. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.

At a Glance

Live Snapshot
Market Cap$155.92M
EPS-4.1700
P/E Ratio-2.27
Earnings Date08/17/2026
First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc. Fair Value Envelope

FGBI ยท NASDAQ

Our analysis suggests that FGBI has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $9.47, this represents a potential HIDDEN relative to our calculated worth for First Guaranty Bancshares, Inc..

Intrinsic Value
Current Price: $9.47

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value-$7.4M
+ Cash & Equivalents$845.7M
Firm Value$838.3M
- Debt$186.1M
Equity Value$652.1M
/ Shares Outstanding15,120,172B
DCF Value$43
UNDERVALUED BY 355%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
-$4.1M
-$2.1M
-$1.0M
-$517.5K
-$258.8K
-$129.4K
-$64.7K
-$32.3K
-$16.2K
-$8.1K
Maintenance CapEx
-$169.6K
-$84.8K
-$42.4K
-$21.2K
-$10.6K
-$5.3K
-$2.7K
-$1.3K
-$663
-$331
Owner Earnings
-$4.3M
-$2.2M
-$1.1M
-$538.7K
-$269.4K
-$134.7K
-$67.3K
-$33.7K
-$16.8K
-$8.4K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
-$4.0M
-$1.8M
-$855.3K
-$396.0K
-$183.3K
-$84.9K
-$39.3K
-$18.2K
-$8.4K
-$3.9K
Terminal Value represents 0.0% of Enterprise Value
Negative Owner Earnings
This company generates negative free cash flow. Consider adjusting maintenance CapEx percentage or check the financial data.