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Company Analysis

First Guaranty Bancshares, Inc. FGBI

A comprehensive view of key metrics, scores, and financial health for First Guaranty Bancshares, Inc.

Overview of First Guaranty Bancshares, Inc.

FGBI NGM
Financial Services Banks - Regional Micro Cap
First Guaranty Bancshares, Inc. (FGBI), is a Micro Cap company, in the Banks - Regional industry, last closed at $8.32, about 52.3% undervalued vs fair value, +21.3% 1Y return, ranked 959/1004 in sector.
$8.32
0.60%
As of March 13, 2026
Previous close • Vol 90d: 65.1%
52-Week Range
Market Cap
$131.40M
Enterprise Value
$296.35M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.fgb.net
HQ Hammond, LA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$13
$24
Current: $8.32 +52% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$221.7M
21.1%%
Interest Expense
$126.3M
Net Interest Income
$88.4M
4.4%%
Total Revenue
$196.0M
75.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.6%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$107.7M
1064.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Guaranty Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
18
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
15
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FGBI's balance between Growth (66.9%), Profitability (12.6%), and Safety (20.5%). Growth 67% Safety 21% Profitability 13%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

58th percentile vs peers
58
Key Signals
Rev Growth YoY 75.7% 68p Revenue CAGR 3Y 21.5% 62p Asset Growth YoY 2.7% 41p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

10th percentile vs peers
11
Key Signals
Strengths
Risks
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Safety

17th percentile vs peers
18
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Guaranty Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$12.67
- - -
+52.3% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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