1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc.

FGBI
First Guaranty Bancshares, Inc.US flagNASDAQ Global Market
9.38
USD
-0.23
- -
154.43MMarket Cap
First Guaranty Bancshares, Inc.
FGBI
(NASDAQ Global Market)

Recent

price

9.38

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.22
4.91
5.79
5.13
5.34
5.93
5.61
5.79
5.73
6.45
9.06
9.2
10.2
8.37
8.92
6.7
6.22
Revenue per Share
0.97
0.61
1.09
0.92
1.18
1.51
1.39
1.13
1.33
1.34
1.9
2.42
2.48
0.62
0.81
-4.17
-3.34
Basic EPS, GAAP
1.7
1.56
1.66
1.67
1.64
1.37
1.79
0.52
2.17
1.61
1.63
2.27
3.19
0.61
2.45
-0.71
2.38
Free Cash Flow per Basic Share
0.52
0.54
0.65
0.51
0.48
0.5
0.48
0.5
0.53
0.54
0.58
0.73
0.86
0.87
0.6
0.21
0.2
Dividend per Share
5.67
4.33
5.36
5.84
5.25
6.16
4.68
5.11
4.19
4.97
4.47
6.29
8.12
7.21
6.84
2.13
2.17
Book Value per Share
8.18
8.24
9.8
8.67
10.47
12.3
11.98
13.07
13.16
13.68
14.85
16.05
17.17
17.86
16.45
13.62
12.74
Tangible Book Value per Share
9
10
9
9
9
9
10
10
11
11
11
11
11
11
13
14
15
Basic Weighted Avg Shares
47
49
53
47
49
55
57
60
61
69
97
99
109
93
112
94
92
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
2
2
2
2
2
2
2
3
3
4
5
4
4
4
4
4
Depreciation Expense
10
8
12
9
11
15
14
12
14
14
20
27
29
9
12
-56
-47
Net Income, GAAP
34.27
31.67
32.71
33.35
32.85
32.43
33.7
38.64
19.59
20.43
20.44
20.77
20.63
22.5
22.23
- -
38.65
Effective Tax Rate (%)
21.43
16.36
22.61
19.36
22.84
26.18
24.81
19.48
23.27
20.71
20.92
27.68
26.43
9.86
11.16
-59.76
-51.18
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
3
1
- -
1
40
37
37
35
67
61
43
37
209
195
179
179
LT Debt
98
127
134
123
140
118
124
144
147
166
179
224
235
250
255
226
224
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
18.03
12.88
21.77
16.35
21.22
26.68
26.87
23.36
29.03
29.17
40.28
44.98
34.39
8.23
12.2
-101.2
-89.19
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
179
179
179
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
33
33
33
Shares Outstanding
15
16
16
Market Capitalization
106
75
120

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,106
1,502
1,569
Accounts Receivable, Net
15
12
14
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
16
18
23
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.1%
5.48%
-11.3%
Free Cash Flow
49.18%
44.27%
-132.51%
Net Income, GAAP
-49.86%
-108.59%
-550.05%
Sales/Revenue/Turnover
6.5%
0.25%
-15.93%
Total Cash Common Dividend
-6.2%
-20.44%
-89.06%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
24
36
27
25
112
2025
24
24
24
22
94
2026
23
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
0.53
0.11
0.03
0.81
2025
-0.54
-0.61
-3.01
0.12
-4.17
2026
0.14
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.21
0.21
0.13
0.06
0.6
2025
0.06
0.06
0.05
0.05
0.21
2026
0.05
- -
- -
- -
- -
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Business
First Guaranty Bancshares, Inc. operates as a bank holding company primarily engaged in commercial banking services through its wholly owned subsidiary, First Guaranty Bank. The company offers a comprehensive range of financial products and services, including commercial real estate loans; commercial and industrial loans; construction and land development loans; agricultural and farmland loans; consumer loans; multifamily loans; deposit accounts such as personal and business checking, savings, time deposits, and money market accounts; SBA loans; treasury management services; lockbox services; ACH debit block/filter; ACH origination; online wire transfers; remote deposit capture; point of sale terminals; mortgage loans; credit cards; and digital banking services accessible via its MyFGB mobile app and online banking platforms. It serves retail, small business, and municipal customers primarily across Louisiana, Texas, Kentucky, and West Virginia. Founded in 1934 and headquartered in Covington, Louisiana, First Guaranty Bancshares also maintains over 35 branch locations in these states. Recent significant developments include the June 2024 completion of a $14.7 million sale-leaseback transaction involving two standalone branches and part of the headquarters building, generating a pre-tax gain of approximately $13 million and resulting in an ongoing annual rent expense. The company reported asset growth with total assets reaching $3.9 billion as of September 30, 2024, up from $3.6 billion at the end of 2023, alongside growth in investment securities and deposits. It has strategically expanded its capital base through issuances of common stock via a bonus plan and private placement in 2023 and early 2024. Additionally, it continues to focus on credit risk management amidst an increase in nonaccrual loans primarily linked to a commercial real estate relationship in the Midwest. The company maintains a consistent dividend payment history and has recently enhanced its digital banking offerings to support customer convenience and operational efficiency. First Guaranty Bancshares operates within the financial services industry, focusing on community banking and related financial services to regional markets in the southern and midwestern United States. Its business strategy emphasizes personalized customer service, regional market penetration, and diversified loan and deposit products aimed at serving a broad customer base including individuals, small businesses, and municipalities. The company is publicly traded under the ticker FGBI on NASDAQ.

Company News

APIChat

  • seekingalpha.com

    First Guaranty Bancshares, Inc. (FGBI) Shareholder/Analyst Call Prepared Remarks Transcript

  • defenseworld.net

    First Guaranty Bancshares (NASDAQ:FGBI) Director Edgar Smith III Buys 138,083 Shares of Stock

  • zacks.com

    First Guaranty Bancshares (FGBI) Q4 Earnings Surpass Estimates

  • seekingalpha.com

    First Guaranty Bancshares: Preferred Yield Is Tempting, But More Improvement Needed

  • defenseworld.net

    Critical Review: First Guaranty Bancshares (NASDAQ:FGBI) vs. Investar (NASDAQ:ISTR)

  • zacks.com

    First Guaranty Bancshares (FGBI) Moves 19.7% Higher: Will This Strength Last?

  • defenseworld.net

    First Guaranty Bancshares (NASDAQ:FGBI) Director Bruce Mcanally Buys 92,600 Shares of Stock

  • defenseworld.net

    First Guaranty Bancshares (NASDAQ:FGBI) Director Marshall Reynolds Acquires 46,297 Shares of Stock

  • defenseworld.net

    First Guaranty Bancshares (NASDAQ:FGBI) Director Edgar Smith III Acquires 208,996 Shares

  • zacks.com

    First Guaranty Bancshares (FGBI) Reports Q3 Loss, Misses Revenue Estimates

  • defenseworld.net

    Head to Head Contrast: Hancock Whitney (NASDAQ:HWC) and First Guaranty Bancshares (NASDAQ:FGBI)

  • zacks.com

    Earnings Preview: First Guaranty Bancshares (FGBI) Q3 Earnings Expected to Decline

  • zacks.com

    First Guaranty Bancshares (FGBI) Reports Q2 Loss, Lags Revenue Estimates

  • fool.com

    First Guaranty (FGBI) Q2 Loss Jumps 194%

  • zacks.com

    First Guaranty Bancshares (FGBI) Reports Q1 Loss, Tops Revenue Estimates

  • seekingalpha.com

    First Guaranty: Declining Asset Quality Warrants Caution Despite Cheap Shares

  • zacks.com

    First Guaranty Bancshares (FGBI) Surges 6.7%: Is This an Indication of Further Gains?

  • zacks.com

    First Guaranty Bancshares (FGBI) Q4 Earnings Surpass Estimates

  • zacks.com

    Should Value Investors Buy First Guaranty Bancshares (FGBI) Stock?

  • businesswire.com

    AM Best Places Credit Ratings of First Guard Insurance Company Under Review With Developing Implications