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
3Y+34.0%
5Y+59.0%
10Y+193.0%
3Y-294.0%
5Y-376.0%
10Y-498.0%
3Y-122.0%
5Y-135.0%
10Y-137.0%
First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc. Profit Bridge

FGBI ยท NASDAQ
Revenue195.96M
Cost of Goods Sold (208.07M)
Gross Profit-12.11M
Operating Expenses (56.45M)
Operating Income-68.56M
Interest Expense (126.34M)
Other Income/Expense0.00
Pretax Income-68.56M
Income Tax (-12.54M)
Net Income-56.02M
Net Income
-56.02M

Profitability Analysis

Gross Margin

-6.2%

Negative gross margin indicates the company is losing money on each saleโ€”unsustainable long-term.

Operating Margin

-35.0%

Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.

Net Profit Margin

-28.6%

Net losses indicate the company is burning cash. Sustainability depends on path to profitability.

Profitability Insight

Critical situation: Negative gross margins indicate fundamental business model issues. The company loses money on every saleโ€”immediate strategic changes required.

First Guaranty Bancshares, Inc. Income Statement

FGBI โ€ข NASDAQ

First Guaranty Bancshares, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
196M
244.8M
191.8M
145.8M
120.9M
123.1M
98.7M
82.5M
74.7M
66.9M
64M
58.4M
58.4M
66.4M
64.2M
60M
55.2M
53.3M
60.2M
55.3M
GROSS PROFIT
(208.1M)
(153.3M)
(102M)
(40.2M)
(24.4M)
(40.9M)
(34.8M)
(22.7M)
(18.2M)
(13.8M)
(12.5M)
(11.2M)
(13.7M)
(17.3M)
(25.3M)
(18.9M)
(19M)
(17.5M)
(23.3M)
(55.3M)
-12.1M
91.5M
89.8M
105.6M
96.6M
82.2M
63.9M
59.7M
56.5M
53.1M
51.5M
47.2M
44.7M
49.2M
38.9M
41.1M
36.2M
35.8M
36.9M
0.0
OPERATING INCOME
(56.4M)
(75.5M)
(77.9M)
(69.3M)
(62.1M)
(56.7M)
(46M)
(42.1M)
(37.4M)
(31.8M)
(30.1M)
(30.5M)
(31M)
(31.3M)
(27.2M)
(25.9M)
(24.8M)
(27.9M)
(21.1M)
(7.5M)
(40.8M)
(39.5M)
(42.3M)
(38.4M)
(33.9M)
(39.1M)
(32.2M)
(29.7M)
(26.1M)
(21.9M)
(20.7M)
(20.6M)
(19.3M)
(18.4M)
(17.3M)
(17M)
(18.9M)
(17.8M)
(15.3M)
(15M)
-68.6M
16M
11.9M
36.4M
34.5M
25.5M
17.9M
17.7M
19.2M
21.3M
21.5M
16.7M
13.7M
18M
11.9M
15.3M
11.3M
8M
15.7M
13.3M
PRE-TAX INCOME
(126.3M)
(133.3M)
(98.3M)
(36.5M)
(22.3M)
(26M)
(30M)
(21.4M)
(14.4M)
(10.1M)
(8.6M)
(9.2M)
(11.1M)
(13.1M)
(15.1M)
(13.2M)
(14.8M)
(15.7M)
(21.4M)
(2.2M)
86.9M
88.4M
84.7M
100M
89.6M
74.7M
61.7M
57M
53.2M
48.4M
47.5M
44.1M
39.8M
42.1M
39.5M
38.2M
32.3M
31.8M
34.1M
-2.2M
(15.7M)
(35.9M)
(35.5M)
(30.8M)
(28.2M)
(17.6M)
(13.8M)
(12.3M)
(11.2M)
(9.9M)
(9.4M)
(9.9M)
(11.7M)
(12.9M)
(9.8M)
(8.8M)
(5.9M)
(10.1M)
(5.8M)
-7.5M
-68.6M
16M
11.9M
36.4M
34.5M
25.5M
17.9M
17.7M
19.2M
21.3M
21.5M
16.7M
13.7M
17.9M
11.8M
15.3M
11.3M
8M
15.7M
13.3M
NET INCOME
-12.5M
(3.6M)
(2.7M)
(7.5M)
(7.2M)
(5.2M)
(3.7M)
(3.5M)
(7.4M)
(7.2M)
(7M)
(5.5M)
(4.6M)
(5.9M)
(3.7M)
(5.2M)
(3.7M)
(2.5M)
(5.5M)
(4.5M)
-56M
12.4M
9.2M
28.9M
27.3M
20.3M
14.2M
14.2M
11.8M
14.1M
14.5M
11.2M
9.1M
12.1M
8M
10M
7.6M
5.5M
10.3M
8.8M

SEC Filings

FGBI - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 22, 2026
May 21, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 13, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 07, 2026
May 07, 2026
2026
8-K

8-K 2026

N/A

May 05, 2026
April 29, 2026
2026
8-K

8-K 2026

N/A

May 01, 2026
May 01, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 27, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 16, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 21, 2026
December 31, 2025
2025
10-K

10-K 2025 FY

FY

March 31, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 24, 2026
March 20, 2026
2026
Showing 1 to 10 of 441 filings