image
Financial Services - Banks - Regional - NASDAQ - US
$ 18.67
1.25 %
$ 122 M
Market Cap
7.17
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one FGBIP stock under the worst case scenario is HIDDEN Compared to the current market price of 18.7 USD, First Guaranty Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one FGBIP stock under the base case scenario is HIDDEN Compared to the current market price of 18.7 USD, First Guaranty Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one FGBIP stock under the best case scenario is HIDDEN Compared to the current market price of 18.7 USD, First Guaranty Bancshares, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart FGBIP

image
$21.0$21.0$20.5$20.5$20.0$20.0$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
245 M REVENUE
27.63%
16 M OPERATING INCOME
34.55%
12.4 M NET INCOME
35.03%
33.7 M OPERATING CASH FLOW
55.33%
-142 M INVESTING CASH FLOW
31.06%
386 M FINANCING CASH FLOW
-0.39%
56.5 M REVENUE
-5.56%
-7.99 M OPERATING INCOME
-683.90%
-6.17 M NET INCOME
-610.50%
5.39 M OPERATING CASH FLOW
-71.61%
186 M INVESTING CASH FLOW
39.29%
-137 M FINANCING CASH FLOW
-308.75%
Balance Sheet First Guaranty Bancshares, Inc.
image
Current Assets 1.08 B
Cash & Short-Term Investments 845 M
Receivables 233 M
Other Current Assets 0
Non-Current Assets 2.89 B
Long-Term Investments 2.76 B
PP&E 67.8 M
Other Non-Current Assets 64.4 M
21.27 %5.87 %69.53 %Total Assets$4.0b
Current Liabilities 3.5 B
Accounts Payable 20.4 M
Short-Term Debt 7.01 M
Other Current Liabilities 3.48 B
Non-Current Liabilities 214 M
Long-Term Debt 195 M
Other Non-Current Liabilities 19.1 M
93.51 %5.24 %Total Liabilities$3.7b
EFFICIENCY
Earnings Waterfall First Guaranty Bancshares, Inc.
image
Revenue 245 M
Cost Of Revenue 153 M
Gross Profit 91.5 M
Operating Expenses 75.5 M
Operating Income 16 M
Other Expenses 3.56 M
Net Income 12.4 M
250m250m200m200m150m150m100m100m50m50m00245m(153m)91m(75m)16m(4m)12mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
37.37% GROSS MARGIN
37.37%
6.54% OPERATING MARGIN
6.54%
5.09% NET MARGIN
5.09%
4.88% ROE
4.88%
0.31% ROA
0.31%
2.61% ROIC
2.61%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First Guaranty Bancshares, Inc.
image
35m35m30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 12.4 M
Depreciation & Amortization 4.43 M
Capital Expenditures -3.04 M
Stock-Based Compensation 0
Change in Working Capital 14.3 M
Others 16.8 M
Free Cash Flow 30.7 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets First Guaranty Bancshares, Inc.
image
FGBIP has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.73% DIVIDEND YIELD
0.422 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.800001.800001.600001.600001.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.421880.421880.421880.421880.1590.421880.421880.421880.421880.4220.421880.421880.421880.4221.420.421881.690.421881.690.421881.690.422021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership First Guaranty Bancshares, Inc.
image
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
1.16 M USD 5
0-3 MONTHS
2.04 M USD 6
3-6 MONTHS
0 USD 0
6-9 MONTHS
50.5 K USD 3
9-12 MONTHS
7. News
8. Profile Summary

First Guaranty Bancshares, Inc. FGBIP

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 122 M
Dividend Yield 0.73%
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 April 23, 2021
Employees 380
Officers Ms. Amanda Wood Barnett J.D. Senior Vice President & General Counsel Gregory P. Prudhomme Senior Vice President & Regional Manager of Central Louisiana Mr. Eric John Dosch C.F.A. Treasurer, Secretary & Chief Financial Officer Kevin J. Foster Senior Vice President & Regional Manager Denham Springs Mr. Michael Ray Mineer President & Chief Executive Officer