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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 $9.10, about 43.1% undervalued vs fair value, -3.2% 1Y return, ranked 973/1037 in sector.
Metrics Rev Growth 75.7% ROE -23.3% Gross Margin -6.2%
$9.10
8.33%
As of April 28, 2026
Previous close • Vol 90d: 57.7%
52-Week Range
Market Cap
$143.70M
Enterprise Value
$308.65M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Dividend Mar 31 Ex-div: Mar 27

Fair Value Snapshot

Bear Base Bull
$7
$13
$24
Current: $9.10 +43% 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
5.2%
Poor

Net Income / Equity - key bank profitability 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
14
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
3
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FGBI's balance between Growth (44.1%), Profitability (13.3%), and Safety (42.6%). Growth 44% Safety 43% Profitability 13%

Click axes to expand details. Marker shows current allocation.

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Growth

47th percentile vs peers
47
Key Signals
NII Growth YoY 4.4% 59p EPS Growth YoY 31.2% 82p Asset Growth YoY 2.7% 41p Equity Growth YoY -13.0% 1p
Strengths
  • EPS Growth YoY in top 20% of peers (31.2%, 82th percentile)
  • Financial Leverage in top 20% of peers (17.16, 96th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Equity Growth YoY in bottom 20% of peers (-13.0%)

Profitability

14th percentile vs peers
14
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
46
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:

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Bear
-
- - -
- upside
-
Base
$13.02
- - -
+43.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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