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First Guaranty Bancshares (FGBI) AI Stock Analysis
First Guaranty Bancshares
(NASDAQ:FGBI)
The score is driven primarily by severely deteriorated profitability and the regulatory consent order. Positive cash generation, moderate leverage, favorable technical positioning, and low valuation provide some offset, but the bank must restore sustainable profitability and strengthen capital to improve its outlook.
First Guaranty Bancshares (FGBI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $158.61M
- Dividend Yield
- 0.42%
- Average Volume (3M)
- 21.95K
- Price to Earnings (P/E)
- 8.6
- Beta (1Y)
- 0.35
- Revenue Growth
- -2.49%
- EPS Growth
- ―
- Country
- US
- Employees
- 333
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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, i...
First Guaranty Bancshares Financial Statement Overview
Summary
Financial performance is weak overall: sharp losses, negative margins, declining revenue, and negative returns on equity outweigh the adequate balance sheet and positive recent cash generation.
Income Statement
18Very NegativeBalance Sheet
42NeutralCash Flow
61Positive| 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
Price Trends
Market Momentum
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 10.07 is above the 20-day moving average (MA) of 8.58, above the 50-day MA of 8.41, and above the 200-day MA of 9.01, indicating a bullish trend. The MACD of 0.27 indicates Negative momentum. The RSI at 66.13 is Neutral, neither overbought nor oversold. The STOCH value of 91.73 is Negative, 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.
Latest Risks Added
0 New RisksFirst Guaranty Bancshares Peers Comparison
Overall Rating
RBKB71Outperform
FNWD69Neutral
EBMT55Neutral- FGBI45.4Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| RBKB | 71Outperform | $202.17M | 14.69 | 6.49% | ― | 9.53% | 103.97% |
| FNWD | 69Neutral | $187.57M | 24.20 | 4.50% | 1.11% | -0.28% | -6.38% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| EBMT | 55Neutral | $168.95M | 10.77 | 7.98% | 2.75% | 1.58% | 13.99% |
| FGBI | 45Neutral | $158.61M | 8.56 | 9.18% | 0.42% | -2.49% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FGBI | First Guaranty Bancshares | 9.59 | 3.42 | 55.30% | |
| EBMT | Eagle Bancorp Montana | 21.21 | 5.28 | 33.17% | |
| RBKB | Rhinebeck Bancorp | 12.93 | 5.78 | 80.94% | |
| FNWD | Finward Bancorp | 43.31 | 9.33 | 27.44% | |
| ECBK | ECB Bancorp, Inc. | 21.36 | 5.10 | 31.37% |
First Guaranty Bancshares Corporate Events
First Guaranty Bancshares Declares Series A Preferred Dividend
PositiveOn 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, would...
First Guaranty Bancshares Declares Quarterly Cash Dividend
PositiveOn 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 payment...
First Guaranty Bancshares Enters Capital-Focused Consent Order
NegativeOn 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 or...
First Guaranty Bancshares Exits Texas Operations After Sale
NeutralFirst 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 deposit...
First Guaranty Bancshares Declares Quarterly Preferred Dividend
PositiveOn 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 distribut...
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.
Date of analysis: Oct 28, 2026