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First Guaranty Bancshares
(NASDAQ:FGBI)
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Rating:53Neutral
Price Target:
$9.00
▲(10.70% Upside)
Action:Reiterated
Date:10/28/26
The score is held back primarily by weak financial performance (ongoing net losses, contracting revenue, and negative returns), and further pressured by the regulatory consent order requiring a higher Tier 1 leverage ratio and imposing dividend restrictions. Partially offsetting these are improved cash generation, constructive near-term technical momentum, and supportive valuation (low P/E and high dividend yield).
Positive Factors
Improved Cash Generation
The return to positive operating and free cash flow provides internally generated funding for banking operations and balance-sheet needs. If sustained alongside eventual profitability, this improvement could strengthen financial flexibility and reduce reliance on external capital.
Negative Factors
Persistent Net Losses
Persistent losses weaken retained capital and prevent the balance sheet from generating adequate shareholder returns. Even though losses narrowed versus 2025, continued negative profitability could constrain lending capacity, capital allocation, and the company’s ability to sustain distributions.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Cash Generation
The return to positive operating and free cash flow provides internally generated funding for banking operations and balance-sheet needs. If sustained alongside eventual profitability, this improvement could strengthen financial flexibility and reduce reliance on external capital.
Read all positive factors
First Guaranty Bancshares (FGBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$147.03M
Dividend Yield0.45%
Average Volume (3M)23.26K
Price to Earnings (P/E)7.7
Beta (1Y)0.37
Revenue Growth-8.66%
EPS Growth-155.96%
CountryUS
Employees333
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-2.85
Shares Outstanding16,539,095
10 Day Avg. Volume18,937
30 Day Avg. Volume23,264
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.33
Price to Sales (P/S)0.38
P/FCF Ratio-7.53
Enterprise Value/Market Cap-2.70
Enterprise Value/Revenue-2.10
Enterprise Value/Gross Profit-10.53
Enterprise Value/Ebitda9.38
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.4
Revenue Forecast (FY)N/A
First Guaranty Bancshares Business Overview & Revenue Model
Company Description
First Guaranty Bancshares, Inc. functions as the parent company for First Guaranty Bank, a financial institution delivering commercial banking services primarily across Louisiana and Texas. The bank offers a comprehensive suite of deposit products...
First Guaranty Bancshares Financial Statement Overview
Summary
Income Statement
24
Negative
Balance Sheet
46
Neutral
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 188.93M | 195.96M | 244.78M | 191.78M | 145.84M | 120.92M |
| Gross Profit | 37.73M | -12.11M | 91.47M | 89.76M | 105.64M | 96.56M |
| EBITDA | -42.33M | -64.27M | 20.44M | 15.92M | 40.50M | 39.23M |
| Net Income | -36.38M | -56.02M | 12.45M | 9.22M | 28.88M | 27.30M |
Balance Sheet | ||||||
| Total Assets | 3.90B | 4.08B | 3.97B | 3.55B | 3.15B | 2.88B |
| Cash, Cash Equivalents and Short-Term Investments | 1.99B | 845.70M | 845.13M | 369.60M | 214.25M | 472.37M |
| Total Debt | 186.28M | 186.13M | 201.92M | 275.40M | 183.37M | 49.63M |
| Total Liabilities | 3.67B | 3.85B | 3.72B | 3.30B | 2.92B | 2.65B |
| Stockholders Equity | 227.35M | 226.22M | 255.05M | 249.63M | 234.99M | 223.89M |
Cash Flow | ||||||
| Free Cash Flow | 53.16M | -9.98M | 30.68M | 6.76M | 34.22M | 24.32M |
| Operating Cash Flow | 54.53M | -8.28M | 33.73M | 21.71M | 36.87M | 26.52M |
| Investing Cash Flow | 31.82M | 129.90M | -142.07M | -206.09M | -467.91M | -452.64M |
| Financing Cash Flow | -19.65M | 159.88M | 386.09M | 387.61M | 252.33M | 388.45M |
First Guaranty Bancshares Technical Analysis
Positive
8.13
Price Trends
8.38
Positive
9.05
Negative
8.98
Negative
Market Momentum
0.08
Negative
59.40
Neutral
79.88
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FGBI, the sentiment is Positive. The current price of 8.13 is below the 20-day moving average (MA) of 8.37, below the 50-day MA of 8.38, and below the 200-day MA of 8.98, indicating a neutral trend. The MACD of 0.08 indicates Negative momentum. The RSI at 59.40 is Neutral, neither overbought nor oversold. The STOCH value of 79.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FGBI.
First Guaranty Bancshares Risk Analysis
First Guaranty Bancshares disclosed 50 risk factors in its most recent earnings report. First Guaranty Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
First Guaranty Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $201.23M | 13.99 | 7.20% | ― | 34.21% | ― | |
69 Neutral | $189.65M | 24.46 | 4.50% | 1.10% | 0.32% | 84.94% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $169.98M | 10.83 | 7.98% | 2.73% | 1.82% | 27.47% | |
53 Neutral | $147.03M | 7.73 | 1.97% | 0.45% | -8.66% | -155.96% |
* Financial Sector Average
FGBI
First Guaranty Bancshares
8.89
0.86
10.74%
EBMT
Eagle Bancorp Montana
21.34
5.36
33.50%
RBKB
Rhinebeck Bancorp
12.87
5.99
87.01%
FNWD
Finward Bancorp
43.79
11.74
36.63%
ECBK
ECB Bancorp, Inc.
21.34
5.69
36.36%
First Guaranty Bancshares Corporate Events
Dividends
First Guaranty Bancshares Declares Series A Preferred Dividend
Positive
Oct 27, 2026
On October 15, 2026, First Guaranty Bancshares, Inc. announced that holders of record on November 15, 2026 of its depositary shares, each representing a 1/40th interest in its 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock, wou...
Dividends
First Guaranty Bancshares Declares Quarterly Cash Dividend
Positive
Sep 10, 2026
On August 20, 2026, the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend of $0.01 per share on its outstanding common stock, payable to shareholders of record as of September 25, 2026 and scheduled for payme...
Legal ProceedingsRegulatory Filings and Compliance
First Guaranty Bancshares Enters Capital-Focused Consent Order
Negative
Aug 7, 2026
On August 7, 2026, First Guaranty Bank entered into a consent order with the Federal Deposit Insurance Corporation and the Louisiana Office of Financial Institutions, stemming from a joint regulatory examination completed on September 2, 2025. The...
Business Operations and StrategyM&A Transactions
First Guaranty Bancshares Exits Texas Operations After Sale
Neutral
Aug 6, 2026
First Guaranty Bancshares, Inc. announced that its subsidiary, First Guaranty Bank, completed the sale of its Texas operations to Armstrong Bank on July 31, 2026. The transaction included five branches along with approximately $234 million in depo...
Dividends
First Guaranty Bancshares Declares Quarterly Preferred Dividend
Positive
Aug 5, 2026
On July 16, 2026, First Guaranty Bancshares, Inc. announced that holders of its depositary shares, each representing a 1/40th interest in its 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock, would receive a quarterly cash distri...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.