First guaranty bancshares, inc. FGBI.US Overview
FGBI AI Analysis & Strategy
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FGBI Current Performance
4.09%
First guaranty bancshares, inc.
0.25%
Avg of Sector
-0.30%
S&P500
FGBI Key Information
FGBI Revenue by Segments
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FGBI Net Income
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FGBI Cash Flow
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FGBI Profit Margin
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FGBI PE Ratio River
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FGBI Financial Forecast
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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2025Q1 | ||||
| 2025Q2 | ||||
| 2025Q3 | ||||
| 2025Q4 | ||||
| 2026Q1 |
FGBI Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
FGBI Profile
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.
Price of FGBI
FGBI FAQ
When is FGBI's latest earnings report released?
The most recent financial report for First guaranty bancshares, inc. (FGBI) covers the period of 2025Q1 and was published on 2025/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FGBI's short-term business performance and financial health. For the latest updates on FGBI's earnings releases, visit this page regularly.
Where does FGBI fall in the P/E River chart?
According to historical valuation range analysis, First guaranty bancshares, inc. (FGBI)'s current price-to-earnings (P/E) ratio is 74.32, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of FGBI?
According to the latest financial report, First guaranty bancshares, inc. (FGBI) reported an Operating Profit of -7.99M with an Operating Margin of -79.65% this period, representing a decline of 367.07% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is FGBI's revenue growth?
In the latest financial report, First guaranty bancshares, inc. (FGBI) announced revenue of 10.03M, with a Year-Over-Year growth rate of -54.26%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much debt does FGBI have?
As of the end of the reporting period, First guaranty bancshares, inc. (FGBI) had total debt of 201.05M, with a debt ratio of 0.05. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
How much cash does FGBI have?
At the end of the period, First guaranty bancshares, inc. (FGBI) held Total Cash and Cash Equivalents of 618.68M, accounting for 0.16 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does FGBI go with three margins increasing?
In the latest report, First guaranty bancshares, inc. (FGBI) did not achieve the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of -79.65%%, and net margin of -67.3%%. This demonstrates limited improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FGBI's profit trajectory and future growth potential.
Is FGBI's EPS continuing to grow?
According to the past four quarterly reports, First guaranty bancshares, inc. (FGBI)'s earnings per share (EPS) shows a declining trend, with the latest EPS at -0.54. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of FGBI?
First guaranty bancshares, inc. (FGBI)'s Free Cash Flow (FCF) for the period is 5.19M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 1,189.8% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.