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First Guaranty Bancshares, Inc. FGBI
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 7.63
-0.909 %
$ 95.4 M
Market Cap
9.42
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FGBI stock under the worst case scenario is HIDDEN Compared to the current market price of 7.63 USD, First Guaranty Bancshares, Inc. is HIDDEN

FGBI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FGBI stock under the base case scenario is HIDDEN Compared to the current market price of 7.63 USD, First Guaranty Bancshares, Inc. is HIDDEN

FGBI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FGBI stock under the best case scenario is HIDDEN Compared to the current market price of 7.63 USD, First Guaranty Bancshares, Inc. is HIDDEN

FGBI Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart FGBI

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1M -8%
6M -35%
1Y -31%
3Y -170%
5Y -22%
All
$15.0$15.0$14.0$14.0$13.0$13.0$12.0$12.0$11.0$11.0$10.0$10.0$9.0$9.0$8.0$8.0$7.0$7.0$6.0$6.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
112 M REVENUE
21.78%
Growth Rates
1Year 21.78%
3Years 3.57%
5Years 9.77%
7Years 8.87%
10Years 8.29%
-154 M OPERATING INCOME
-1230.53%
Growth Rates
1Year -1230.53%
3Years -76.10%
5Years -57.16%
7Years -27.85%
10Years -21.36%
12.4 M NET INCOME
35.03%
Growth Rates
1Year 35.03%
3Years -23.03%
5Years -2.66%
7Years 0.83%
10Years 1.04%
33.7 M OPERATING CASH FLOW
55.33%
Growth Rates
1Year 55.33%
3Years 8.35%
5Years 3.01%
7Years 15.53%
10Years 7.22%
-142 M INVESTING CASH FLOW
31.06%
Growth Rates
1Year 31.06%
3Years 32.04%
5Years -1.50%
7Years -7.98%
10Years -4.11%
386 M FINANCING CASH FLOW
-0.39%
Growth Rates
1Year -0.39%
3Years -0.20%
5Years 55.63%
7Years 23.00%
10Years 20.21%
24.6 M REVENUE
-7.62%
Growth Rates
1Year 21.78%
3Years 3.57%
5Years 9.77%
7Years 8.87%
10Years 8.29%
0 OPERATING INCOME
0.00%
Growth Rates
1Year -1230.53%
3Years -76.10%
5Years -57.16%
7Years -27.85%
10Years -21.36%
1.01 M NET INCOME
-47.59%
Growth Rates
1Year 35.03%
3Years -23.03%
5Years -2.66%
7Years 0.83%
10Years 1.04%
19 M OPERATING CASH FLOW
291.02%
Growth Rates
1Year 55.33%
3Years 8.35%
5Years 3.01%
7Years 15.53%
10Years 7.22%
133 M INVESTING CASH FLOW
155.52%
Growth Rates
1Year 31.06%
3Years 32.04%
5Years -1.50%
7Years -7.98%
10Years -4.11%
44.3 M FINANCING CASH FLOW
-85.42%
Growth Rates
1Year -0.39%
3Years -0.20%
5Years 55.63%
7Years 23.00%
10Years 20.21%
Balance Sheet First Guaranty Bancshares, Inc.
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Current Assets 1.18 B
Cash & Short-Term Investments 1.17 B
Receivables 233 M
Other Current Assets -218 M
Non-Current Assets 84.2 M
Long-Term Investments 0
PP&E 67.8 M
Other Non-Current Assets 16.4 M
92.18 %18.44 %5.36 %Total Assets$1.3b
Current Liabilities 20.4 M
Accounts Payable 20.4 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 195 M
Long-Term Debt 195 M
Other Non-Current Liabilities 0
9.49 %90.51 %Total Liabilities$215.4m
EFFICIENCY
Earnings Waterfall First Guaranty Bancshares, Inc.
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Revenue 112 M
Cost Of Revenue -110 M
Gross Profit 222 M
Operating Expenses 112 M
Operating Income -154 M
Other Expenses -166 M
Net Income 12.4 M
250m250m200m200m150m150m100m100m50m50m00(50m)(50m)(100m)(100m)(150m)(150m)(200m)(200m)112m110m222m(112m)(154m)166m12mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
198.82% GROSS MARGIN
198.82%
Averages
1Year 198.82%
3Years 132.94%
5Years 119.76%
7Years 113.84%
10Years 109.32%
-137.84% OPERATING MARGIN
-137.84%
Averages
1Year -137.84%
3Years 1347.63%
5Years 820.63%
7Years 598.77%
10Years 435.35%
11.16% NET MARGIN
11.16%
Averages
1Year 11.16%
3Years 557.25%
5Years 343.92%
7Years 251.82%
10Years 183.19%
4.88% ROE
4.88%
Averages
1Year 4.88%
3Years 6.96%
5Years 8.89%
7Years 8.95%
10Years 9.44%
0.31% ROA
0.31%
Averages
1Year 0.31%
3Years 0.50%
5Years 0.65%
7Years 0.67%
10Years 0.73%
-9.60% ROIC
-9.60%
Averages
1Year -9.60%
3Years -1.08%
5Years 0.42%
7Years 0.77%
10Years 0.93%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First Guaranty Bancshares, Inc.
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35m35m30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 12.4 M
Depreciation & Amortization 4.43 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 14.3 M
Others 16.8 M
Free Cash Flow 33.7 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets First Guaranty Bancshares, Inc.
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FGBI has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.50% DIVIDEND YIELD
0.01 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.700000.700000.600000.600000.500000.500000.400000.400000.300000.300000.200000.200000.100000.100000.000000.000000.120210.120210.120210.132230.132230.145450.145450.160.160.160.120210.120210.120210.132230.132230.145450.145450.160.160.160.120210.120210.120210.132230.132230.145450.145450.160.160.080.120210.480.120210.480.132230.490.132230.530.145450.540.145450.580.160.600.160.640.160.640.410.012015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership First Guaranty Bancshares, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
1.95 M USD 5
0-3 MONTHS
0 USD 0
3-6 MONTHS
50.5 K USD 3
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
First Guaranty Bancshares (FGBI) Q4 Earnings Surpass Estimates First Guaranty Bancshares (FGBI) came out with quarterly earnings of $0.03 per share, beating the Zacks Consensus Estimate of a loss of $0.80 per share. This compares to earnings of $0.06 per share a year ago. zacks.com - 2 months ago
Should Value Investors Buy First Guaranty Bancshares (FGBI) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 3 months ago
AM Best Places Credit Ratings of First Guard Insurance Company Under Review With Developing Implications OLDWICK, N.J.--(BUSINESS WIRE)-- #insurance--AM Best has placed under review with developing implications the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Rating of “a+” (Excellent) of First Guard Insurance Company (First Guard) (Scottsdale, AZ). First Guard is a subsidiary of Biglari Holdings Inc. [NYSE: BH]. The Credit Ratings (ratings) of First Guard have been placed under review with developing implications following the approval of a reinsurance agreement submitted to the. businesswire.com - 3 months ago
First Guaranty Bancshares: Attractive Preferred Share, Yielding 8.5% First Guaranty Bancshares faced interest rate volatility but stabilized its net interest margin at around 2.5%. FGBI's deposit growth surged by 12% in Q3, reducing its loan-to-deposit ratio below 80%, and enabling it to pay off $60 million in debt. Risks include declining loan performance, a high concentration in commercial real estate loans, and an inadequate allowance for credit losses, impacting common shares. seekingalpha.com - 3 months ago
First Guaranty Bancshares (FGBI) Loses -23.36% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner First Guaranty Bancshares (FGBI) has become technically an oversold stock now, which implies exhaustion of the heavy selling pressure on it. This, combined with strong agreement among Wall Street analysts in revising earnings estimates higher, indicates a potential trend reversal for the stock in the near term. zacks.com - 3 months ago
First Guaranty Bancshares (FGBI) Q3 Earnings and Revenues Beat Estimates First Guaranty Bancshares (FGBI) came out with quarterly earnings of $0.11 per share, beating the Zacks Consensus Estimate of $0.01 per share. This compares to earnings of $0.10 per share a year ago. zacks.com - 5 months ago
First Guaranty Bancshares, Inc. Announces Third Quarter 2024 Financial Results HAMMOND, La., Oct. 31, 2024 (GLOBE NEWSWIRE) -- First Guaranty Bancshares, Inc. ("First Guaranty") (NASDAQ: FGBI), the holding company for First Guaranty Bank, announced its unaudited financial results for the third quarter and nine months ending September 30, 2024. globenewswire.com - 5 months ago
Analysts Estimate First Guaranty Bancshares (FGBI) to Report a Decline in Earnings: What to Look Out for First Guaranty Bancshares (FGBI) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 5 months ago
First Guaranty Bancshares: Still My Favorite Small-Cap Regional Bank First Guaranty Bancshares remains my top long-term, small-cap regional banking pick. Q2 saw improved profitability at FGBI, and acceptable asset quality despite their exposure to CRE. Strong fundamentals, including a Tier 1 Risk-based Capital Ratio of 10.35% and a net Loans-to-deposit ratio of 91.8%, position the bank to weather economic challenges. seekingalpha.com - 6 months ago
First Guaranty Bancshares, Inc. Announces Key Developments and Second Quarter 2024 Financial Results HAMMOND, La., July 24, 2024 (GLOBE NEWSWIRE) -- First Guaranty Bancshares, Inc. ("First Guaranty") (NASDAQ: FGBI), the holding company for First Guaranty Bank, announced its key developments and unaudited financial results for the second quarter and six months ending June 30, 2024. globenewswire.com - 8 months ago
Should Value Investors Buy First Guaranty Bancshares (FGBI) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 8 months ago
First Guaranty Bancshares (FGBI) Tops Q2 Earnings and Revenue Estimates First Guaranty Bancshares (FGBI) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.20 per share. This compares to earnings of $0.19 per share a year ago. zacks.com - 8 months ago
8. Profile Summary

First Guaranty Bancshares, Inc. FGBI

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 95.4 M
Dividend Yield 0.50%
Description 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.
Contact 400 East Thomas Street, Hammond, LA, 70401 https://www.fgb.net
IPO Date Aug. 13, 2012
Employees 396
Officers Mr. Michael Ray Mineer President & Chief Executive Officer Mr. Eric John Dosch C.F.A. Treasurer, Secretary & Chief Financial Officer Ms. Amanda Wood Barnett J.D. Senior Vice President & General Counsel Kevin J. Foster Senior Vice President & Regional Manager Denham Springs Gregory P. Prudhomme Senior Vice President & Regional Manager of Central Louisiana