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First guaranty bancshares, inc.FGBI.US Overview

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FGBI Recent Performance

-1.70%

First guaranty bancshares, inc.

1.79%

Avg of Sector

-0.31%

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FGBI Key Information

FGBI Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

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.

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FGBI FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

FGBI Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
-3.55
PE Ratio (TTM)
-
Forward PE
7.10
PS Ratio (TTM)
10.16
PB Ratio
0.75
Price-to-FCF
8.26
METRIC
VALUE
vs. INDUSTRY
Gross Margin
29.08%
Net Margin
-118.99%
Revenue Growth (YoY)
-49.45%
Profit Growth (YoY)
-85.30%
3-Year Revenue Growth
28.47%
3-Year Profit Growth
-7.67%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
-3.55
PE Ratio (TTM)
-
Forward PE
7.10
PS Ratio (TTM)
10.16
PB Ratio
0.75
Price-to-FCF
8.26
Gross Margin
29.08%
Net Margin
-118.99%
Revenue Growth (YoY)
-49.45%
Profit Growth (YoY)
-85.30%
3-Year Revenue Growth
28.47%
3-Year Profit Growth
-7.67%

  • When is FGBI's latest earnings report released?

    The most recent financial report for First guaranty bancshares, inc. (FGBI) covers the period of 2025Q4 and was published on 2025/12/31. 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.

  • What is the operating profit of FGBI?

    According to the latest financial report, First guaranty bancshares, inc. (FGBI) reported an Operating Profit of 2.92M with an Operating Margin of 5.5% this period, representing a growth of 149.91% 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 53.1M, with a Year-Over-Year growth rate of 178.66%. 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 186.13M, 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 21.18M, accounting for 0.01 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) achieved the “three margins increasing” benchmark, with a gross margin of 37.12%%, operating margin of 5.5%%, and net margin of 4.61%%. This demonstrates 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 steady growth trend, with the latest EPS at 0.12. 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 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% 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.

  • What are the PEG ratio and PE ratio of FGBI?

    The latest valuation data shows First guaranty bancshares, inc. (FGBI) has a Price-To-Earnings (PE) ratio of 8.42 and a Price/Earnings-To-Growth (PEG) ratio of -0.08. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.