First Guaranty Bancshares (1GJ) Stock Price & Analysis

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1GJ Stock Chart & Stats

€10.60€0.30(1.92%)

At close: Nov 10 5:30 PM GMT+1

Day’s Range: EUR 10.60 - EUR 10.60
52-Week Range: EUR 3.56 - EUR 10.60
Previous Close: EUR 10.40
Volume: N/A
Average Volume (3M): 0
Market Cap: EUR 194.77M
Enterprise Value: -EUR 74.06M
Total Cash (Recent Filing): EUR 1.46B
Total Debt (Recent Filing): EUR 51.29M
Price to Earnings (P/E): 11.7
Beta: 0.90
Next Earnings: Feb 03, 2027 (Est.)
EPS Estimate: N/A
Next Dividend Ex-Date: N/A
Dividend Yield: 0.32%

Bulls Say, Bears Say

Bulls Say

Positive Cash Generation

TTM operating cash flow of approximately $54.5M and free cash flow of approximately $53.2M provide internal funding capacity and mark a meaningful recovery from negative 2025 cash flow. If sustained, this can support operations and capital needs before reported earnings fully recover.

Improved Leverage And Capital Base

Debt-to-equity of about 0.82, improved from 2023, alongside roughly $227M of equity against $3.9B of assets, gives the bank a moderate leverage profile. This cushion can support resilience and strategic flexibility, although ongoing losses could erode it.

Losses Are Narrowing

Although profitability remains weak, the TTM loss of about $36.4M narrowed from 2025 and gross profitability improved. This suggests some progress in the earnings trajectory; restoring positive margins would be important for turning that improvement into durable shareholder returns.

Bears Say

Persistent Net Losses

The TTM net loss of about $36.4M and negative operating profitability show that the bank is not currently converting its business into sustainable earnings. Continued losses can weaken capital over time, constrain reinvestment, and reduce the capacity to maintain shareholder returns.

Revenue Contraction

Revenue fell about 12.7% in the TTM period after strong growth and positive earnings in 2022–2024. This reversal indicates weaker operating momentum and makes a durable recovery dependent on rebuilding demand and restoring profitable scale.

Negative Shareholder Returns

Negative returns on equity in both the TTM and 2025 periods indicate that the bank's capital base is not currently generating adequate shareholder returns. If this persists, it could reduce investor confidence and limit the effectiveness of future balance-sheet growth.

First Guaranty Bancshares News

First Guaranty Bancshares Declares Series A Preferred Dividend

The latest update is out from First Guaranty Bancshares ( ($FGBI) ). On October 15, 2026, First Guaranty Bancshares, Inc. announced that holders of record on November 15, 2026 of

2w ago8K FGBI

First Guaranty Bancshares Declares Quarterly Cash Dividend

First Guaranty Bancshares ( ($FGBI) ) has provided an announcement. On August 20, 2026, the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend of $0.01

2M ago8K FGBI

First Guaranty Bancshares Enters Capital-Focused Consent Order

First Guaranty Bancshares ( ($FGBI) ) has provided an update. On August 7, 2026, First Guaranty Bank entered into a consent order with the Federal Deposit Insurance Corporation and the

3M ago8K FGBI

First Guaranty Bancshares Exits Texas Operations After Sale

The latest announcement is out from First Guaranty Bancshares ( ($FGBI) ). First Guaranty Bancshares, Inc. announced that its subsidiary, First Guaranty Bank, completed the sale of its Texas operations

3M ago8K FGBI

First Guaranty Bancshares Declares Quarterly Preferred Dividend

First Guaranty Bancshares ( ($FGBI) ) has issued an update. On July 16, 2026, First Guaranty Bancshares, Inc. announced that holders of its depositary shares, each representing a 1/40th interest

3M ago8K FGBI

First Guaranty Bancshares Declares Quarterly Common Stock Dividend

An announcement from First Guaranty Bancshares ( ($FGBI) ) is now available. On May 21, 2026, First Guaranty Bancshares, Inc. announced that its board of directors declared a quarterly cash

5M ago8K FGBI

First Guaranty Bancshares Shareholders Back Board and Auditors

First Guaranty Bancshares ( ($FGBI) ) has provided an announcement. At its annual meeting of shareholders held on May 21, 2026, First Guaranty Bancshares, Inc. reported that investors elected all

5M ago8K FGBI

First Guaranty Bancshares Ends Sale-Leaseback, Buys Back Branches

First Guaranty Bancshares ( ($FGBI) ) has provided an update. On April 29, 2026, First Guaranty Bank repurchased three previously sold properties—two stand-alone branches and part of its headquarters building

6M ago8K FGBI

First Guaranty Bancshares Declares Quarterly Preferred Stock Dividend

First Guaranty Bancshares ( ($FGBI) ) has issued an update. On April 16, 2026, the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend of $16.875

6M ago8K FGBI

First Guaranty Bancshares Appoints Betsy Hood to Board

The latest update is out from First Guaranty Bancshares ( ($FGBI) ). First Guaranty Bancshares, Inc. elected Betsy K. Hood to its Board of Directors on April 16, 2026, adding

6M ago8K FGBI

First Guaranty Bancshares names Michael Mineer as CEO

First Guaranty Bancshares announced Michael Mineer has been appointed as First Guaranty Bancshares and First Guaranty Bank’s President and CEO. He will succeed Alton Lewis, who announced his retirement at

2y agoFGBI 1GJ

First Guaranty Bancshares CEO Alton Lewis retiring, Michael Mineer succeeds

First Guaranty Bancshares announced that Alton Lewis will retire from his role as President and CEO of First Guaranty Bancshares and First Guaranty Bank in May. Lewis began his service

2y agoFGBI 1GJ

First Guaranty downgraded to Underweight from Neutral at Piper Sandler

Piper Sandler downgraded First Guaranty Bancshares to Underweight from Neutral with a price target of $9.50, down from $12. The analyst cites continued pressure on First Guaranty’s fundamentals and worsening

3y agoFGBI 1GJ

First Guaranty Bancshares reports Q3 EPS 10c, consensus 16c

“We are making progress,” the company said. “In a time in which all banks have been battling the squeeze between loan interest rates and the rates to be paid for

3y agoFGBI 1GJ

1GJ FAQ

What was First Guaranty Bancshares’s price range in the past 12 months?

First Guaranty Bancshares lowest stock price was €3.56 and its highest was €10.60 in the past 12 months.

What is First Guaranty Bancshares’s market cap?

First Guaranty Bancshares’s market cap is €194.77M.

When is First Guaranty Bancshares’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were First Guaranty Bancshares’s earnings last quarter?

First Guaranty Bancshares released its earnings results on Jul 28, 2026. The company reported €0.152 earnings per share for the quarter, beating the consensus estimate of €0.08 by €0.072.

Is First Guaranty Bancshares overvalued?

Not enough analysts have published a price target to calculate whether the price is overvalued.

Does First Guaranty Bancshares pay dividends?

First Guaranty Bancshares does not currently pay dividends.

What is First Guaranty Bancshares’s EPS estimate?

First Guaranty Bancshares’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does First Guaranty Bancshares have?

First Guaranty Bancshares has 16,638,370 shares outstanding.

What happened to First Guaranty Bancshares’s price movement after its last earnings report?

First Guaranty Bancshares reported an EPS of €0.152 in its last earnings report, beating expectations of €0.08. Following the earnings report the stock price went up 5.161%.

Which hedge fund is a major shareholder of First Guaranty Bancshares?

Currently, no hedge funds are holding shares in DE:1GJ

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

First Guaranty Bancshares Stock Smart Score

Neutral

Learn more about TipRanks Smart Score

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Company Description

First Guaranty Bancshares

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, including various checking accounts for personal and business use, savings accounts, money market accounts, demand deposits, and certificates of deposit (time deposits). These services are extended to individual consumers, small and medium-sized businesses, and municipal entities. Its lending portfolio is diverse, providing credit solutions such as real estate-backed loans (including commercial, non-farm non-residential, single-to-four-family residential, multifamily, construction, and land development), commercial and industrial loans, agricultural loans (including farmland), and other consumer loans. These are primarily aimed at small to medium-sized businesses, professionals, and individuals. Additionally, First Guaranty Bank provides numerous customer-centric services. Individuals can access credit cards, mobile check deposit, safe deposit boxes, official checks, robust online and mobile banking platforms, ATM services, and online bill payment. Business clients benefit from specialized solutions like merchant services, remote deposit capture, and lockbox services. A portion of the company's assets is strategically invested in various securities. This includes debt instruments issued by the United States Government and its agencies, state and municipal obligations, corporate bonds, mutual funds, and equity securities. It also allocates funds to mortgage-backed securities, predominantly those issued or guaranteed by U.S. Government agencies or enterprises. The company operates a network of 36 banking facilities. These are primarily located in significant market areas across Louisiana (including Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, and Alexandria) and Texas (notably Dallas-Fort Worth-Arlington and Waco), with a presence also extending to Kentucky and West Virginia. First Guaranty Bancshares, Inc. was established in 1934 and maintains its corporate headquarters in Hammond, Louisiana.

First Guaranty Bancshares (1GJ) Earnings & Revenues

Historic Earnings Reports

Technical Analysis

Overall Consensus

Indicator	Bullish	Neutral	Bearish
Overall Consensus	15	1	5
Technical Analysis	3	1	5
Moving Averages	12	0	0

Technical Analysis >

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Ownership Overview

47.87% Insiders
3.26% Mutual Funds
0.48% Other Institutional Investors
44.59% Public Companies and Individual Investors

Detailed Ownership Overview >

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1GJ Stock Chart & Stats

Bulls Say, Bears Say

Bulls Say

Positive Cash Generation

Improved Leverage And Capital Base

Losses Are Narrowing

Bears Say

Persistent Net Losses

Revenue Contraction

Negative Shareholder Returns

First Guaranty Bancshares News

First Guaranty Bancshares Declares Series A Preferred Dividend

First Guaranty Bancshares Declares Quarterly Cash Dividend

First Guaranty Bancshares Enters Capital-Focused Consent Order

First Guaranty Bancshares Exits Texas Operations After Sale

First Guaranty Bancshares Declares Quarterly Preferred Dividend

First Guaranty Bancshares Declares Quarterly Common Stock Dividend

First Guaranty Bancshares Shareholders Back Board and Auditors

First Guaranty Bancshares Ends Sale-Leaseback, Buys Back Branches

First Guaranty Bancshares Declares Quarterly Preferred Stock Dividend

First Guaranty Bancshares Appoints Betsy Hood to Board

First Guaranty Bancshares names Michael Mineer as CEO

First Guaranty Bancshares CEO Alton Lewis retiring, Michael Mineer succeeds

First Guaranty downgraded to Underweight from Neutral at Piper Sandler

First Guaranty Bancshares reports Q3 EPS 10c, consensus 16c

1GJ FAQ

First Guaranty Bancshares Stock Smart Score

Company Description

First Guaranty Bancshares

First Guaranty Bancshares (1GJ) Earnings & Revenues

Technical Analysis

Overall Consensus

Similar Stocks

Ownership Overview

Popular Stocks

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