First Guaranty Bancshares, Inc.

FGBI

FGBIFirst Guaranty Bancshares, Inc. US flag

NASDAQ Global Market

9.38

USD

-0.23

- -

154.43MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	49	53	47	49	55	57	60	61	69	97	99	109	93	112	94
+ Sales & Services Revenue	49	53	47	49	55	57	60	61	69	97	99	109	93	112	94
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	17	18	19	21	21	22	26	30	32	39	34	38	42	40	31
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-17	-18	-19	-21	-21	-22	-26	-30	-32	-39	-34	-38	-42	-40	-31
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-12	-18	-14	-17	-21	-21	-19	-18	-18	-26	-34	-36	-12	-16	69
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-12	-18	-14	-17	-21	-21	-19	-18	-18	-26	-34	-36	-12	-16	69
Pretax Income	12	18	14	17	21	21	19	18	18	26	34	36	12	16	-69
- Income Tax Expense (Benefit)	4	6	5	5	7	7	7	3	4	5	7	8	3	4	-13
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	8	12	9	11	15	14	12	14	14	20	27	29	9	12	-56
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	8	12	9	11	15	14	12	14	14	20	27	29	9	12	-56
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	8	12	9	11	15	14	12	14	14	20	27	29	9	12	-56
- Preferred Dividends	2	2	1	- -	- -	- -	- -	- -	- -	- -	1	2	2	2	2
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	6	10	8	11	14	14	12	14	14	20	26	27	7	10	-58
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	2	2	2	2	2	2	2	3	3	4	5	4	4	4	4
EBITDA Margin (%)	3.5	3.93	4.47	4.36	3.6	3.86	4.05	5.38	4.45	3.89	4.84	3.76	4.31	3.97	4.58
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	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
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	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
Depreciation Expense	2	2	2	2	2	2	2	3	3	4	5	4	4	4	4
Basic Weighted Avg Shares	10	9	9	9	9	10	10	11	11	11	11	11	11	13	14
Basic EPS, GAAP	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
Basic EPS from Cont Ops	0.8	1.31	0.99	1.22	1.55	1.39	1.13	1.33	1.34	1.9	2.55	2.7	0.83	1	-4.01
Diluted Weighted Avg Shares	10	9	9	9	9	10	10	11	11	11	11	11	11	13	14
Diluted EPS, GAAP	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
Diluted EPS from Cont Ops	0.8	1.31	0.99	1.22	1.55	1.39	1.13	1.33	1.34	1.9	2.55	2.7	0.83	1	-4.01

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	564	684	546	554	414	415	419	424	406	537	472	214	370	845	1,502
+ Cash & Cash Equivalents	44	84	62	55	38	18	37	127	67	299	262	83	286	564	845
+ ST Investments	520	600	484	500	376	397	382	297	340	239	211	131	83	281	656
+ Accounts & Notes Receiv	8	7	6	6	6	7	8	7	8	115	256	328	299	233	87
+ Accounts Receivable, Net	8	7	6	6	6	7	8	7	8	12	12	13	16	15	12
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	104	244	315	283	218	74
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-572	-691	-552	-561	-420	-422	-427	-431	-415	-653	-728	-542	-669	-1,078	-1,589
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	20	20	20	19	22	24	38	40	56	60	59	58	70	68	60
+ Property, Plant & Equip	39	40	44	46	50	52	70	74	93	98	100	103	117	113	106
- Accumulated Depreciation	19	21	25	26	28	29	32	34	36	38	42	44	47	45	47
+ LT Investments & Receivables	633	659	635	642	546	499	502	405	427	239	364	452	404	603	999
+ LT Investments	633	659	635	642	546	499	502	405	427	239	364	452	404	603	999
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-653	-679	-654	-661	-568	-523	-540	-445	-483	-298	-423	-510	-474	-671	-1,059
+ Total Intangible Assets	5	4	4	4	3	3	8	7	20	19	19	18	17	16	3
+ Goodwill	2	2	2	2	2	2	3	3	13	13	13	13	13	13	- -
+ Other Intangible Assets	3	2	2	2	1	1	4	4	7	7	6	5	4	3	3
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-658	-683	-658	-665	-572	-526	-548	-452	-503	-318	-442	-528	-491	-687	-1,061
Total Assets	1,354	1,407	1,436	1,519	1,460	1,501	1,750	1,817	2,117	2,473	2,878	3,151	3,553	3,973	4,078
+ Payables & Accruals	4	3	2	2	2	2	2	4	6	5	4	4	12	20	18
+ Accounts Payable	4	3	2	2	2	2	2	4	6	5	4	4	12	20	18
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	2	2	2	2	6	16	- -	13	50	- -	140	60	- -	- -
+ ST Borrowings	- -	2	2	2	2	6	16	- -	13	50	- -	140	60	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-4	-5	-4	-4	-4	-8	-18	-4	-19	-55	-4	-144	-72	-20	-18
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-4	-5	-4	-4	-4	-8	-18	-4	-19	-55	-4	-144	-72	-20	-18
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	3	1	- -	1	40	37	37	35	67	61	43	37	209	195	179
+ LT Borrowings	3	1	- -	1	40	37	37	35	67	61	43	37	209	195	179
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-3	-1	- -	-1	-40	-37	-37	-35	-67	-61	-43	-37	-209	-195	-179
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-3	-1	- -	-1	-40	-37	-37	-35	-67	-61	-43	-37	-209	-195	-179
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,227	1,273	1,313	1,379	1,342	1,377	1,606	1,670	1,951	2,294	2,654	2,916	3,303	3,718	3,852
+ Preferred Equity and Hybrid Capital	39	39	39	39	- -	- -	- -	- -	- -	- -	33	33	33	33	33
+ Share Capital & APIC	46	46	46	59	69	89	101	119	121	141	141	141	162	162	186
+ Common Stock	6	6	6	7	8	8	9	10	10	11	11	11	12	13	16
+ Additional Paid in Capital	39	39	39	52	62	81	92	110	111	130	130	130	149	149	171
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	37	43	47	41	50	39	44	35	43	37	57	76	68	73	14
+ Other Equity	4	6	-9	- -	-1	-4	-2	-7	2	1	-7	-15	-13	-13	-7
Equity Before Minority Interest	127	134	123	140	118	124	144	147	166	179	224	235	250	255	226
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	127	134	123	140	118	124	144	147	166	179	224	235	250	255	226
Total Liabilities & Equity	1,354	1,407	1,436	1,519	1,460	1,501	1,750	1,817	2,117	2,473	2,878	3,151	3,553	3,973	4,078
Shares Outstanding	9	9	9	9	10	10	11	11	11	11	11	11	12	13	16
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-41	-81	-59	-51	5	25	16	-93	13	-188	-219	94	-17	-369	-666
Net Debt to Equity	-32.08	-60.51	-48.03	-36.79	3.84	20.42	10.93	-63.06	8.07	-105.49	-97.62	40.06	-6.82	-144.72	-294.58
Tangible Common Equity Ratio	6.1	6.44	5.58	6.36	7.88	8.1	7.81	7.75	6.96	6.48	6.02	5.87	5.64	5.2	4.67
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	8	12	9	11	15	14	12	14	14	20	27	29	9	12	-56
+ Depreciation & Amortization	2	2	2	2	2	2	2	3	3	4	5	4	4	4	4
+ Non-Cash Items	7	3	3	4	3	2	4	4	5	3	1	4	4	3	95
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	1	1	- -	1	- -	- -	- -	- -	- -	1	1	- -	- -	- -	13
+ Other Non-Cash Adj	6	1	3	4	3	2	4	4	5	2	- -	4	4	2	82
+ Chg in Non-Cash Work Cap	1	- -	2	-1	-2	4	-6	5	7	-3	-6	- -	4	14	-52
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	1	- -	2	-1	-2	4	-6	5	7	-3	-6	- -	4	14	-52
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	18	17	17	17	17	22	12	27	29	24	27	37	22	34	-8
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	15	1
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	15	1
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	-2	-2	-2	-4	-4	-7	-4	-12	-6	-2	-3	-15	-3	-2
+ Acq of Fixed Prod Assets	-2	-2	-2	-2	-4	-4	-7	-4	-12	-6	-2	-3	-15	-3	-2
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	9	- -	- -	- -	1	- -	- -	- -	20	- -	7
+ Increase in Capital Stock	- -	- -	- -	- -	9	- -	- -	- -	1	- -	- -	- -	20	- -	7
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	-141	-23	2	6	106	45	7	86	26	198	-134	-100	49	-196	-386
+ Dec in LT Investment	718	927	643	544	805	1,088	555	396	301	1,277	419	53	52	169	202
+ Inc in LT Investment	-859	-950	-641	-538	-699	-1,043	-548	-309	-274	-1,078	-553	-153	-3	-365	-589
+ Net Cash From Acq & Div	5	- -	- -	- -	- -	- -	-3	- -	-23	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	-3	- -	-23	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	53	-59	-78	-99	-54	-109	-80	-76	-123	-320	-317	-365	-241	42	517
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-84	-83	-78	-95	47	-68	-83	7	-132	-128	-453	-468	-206	-142	130
+ Dividends Paid	-5	-6	-5	-4	-5	-5	-5	-6	-6	-6	-8	-9	-10	-7	-3
+ Net Cash From Debt	- -	-2	-1	1	39	-4	1	-3	29	-6	-17	-6	172	-14	-1
+ Cash From Debt	4	- -	- -	2	40	- -	4	- -	32	- -	- -	- -	195	30	- -
+ Repayments of Debt	-4	-2	-1	-1	-1	-4	-3	-3	-4	-6	-17	-6	-23	-44	-1
+ Other Financing Activities	140	48	42	65	-115	35	95	65	18	349	414	267	205	408	157
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	134	40	36	61	-72	26	91	56	42	337	388	252	388	386	160
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	68	-26	-25	-17	-7	-19	20	90	-61	232	-38	-179	203	278	281
EBITDA	2	2	2	2	2	2	2	3	3	4	5	4	4	4	4
EBITDA Margin (%)	3.5	3.93	4.47	4.36	3.6	3.86	4.05	5.38	4.45	3.89	4.84	3.76	4.31	3.97	4.58
Free Cash Flow	16	15	15	15	13	18	5	23	17	17	24	34	7	31	-10
Net Cash Paid for Acquisitions	-5	- -	- -	- -	- -	- -	3	- -	23	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	16	15	15	15	13	18	5	23	17	17	24	34	7	31	- -
Free Cash Flow to Equity	32	11	14	16	12	15	6	20	46	11	39	26	177	29	-12
Free Cash Flow per Basic Share	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
Price/Free Cash Flow	3.03	4.82	5.13	7.12	6.09	6.92	11.27	6.66	5.15	5.75	7.6	6.36	3.39	3.86	-11.41
Cash Flow to Net Income	2.24	1.4	1.88	1.5	1.19	1.58	1.04	1.89	2.04	1.17	0.97	1.28	2.36	2.71	0.15
Capital Expenditures	-2	-2	-2	-2	-4	-4	-7	-4	-12	-6	-2	-3	-15	-3	-2