First Guaranty Bancshares (FGBI) Stock Price, News & Analysis

Company Overview

First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It offers various deposit products, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities. The company provides loans, such as non-farm, non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, multifamily loans, construction and land development loans, agricultural loans, farmland loans, and consumer and other loans to small to medium-sized businesses and professionals, and individuals. In addition, it offers a range of consumer services, including credit cards, mobile deposit capture, safe deposit boxes, official checks, online and mobile banking, automated teller machines, and online bill pay; provides additional solutions, such as merchant services, remote deposit capture, and lockbox services to business customers; and invests a portion of its assets in securities issued by the United States Government and its agencies, state and municipal obligations, corporate debt securities, mutual funds, and equity securities, as well as invests in mortgage-backed securities primarily issued or guaranteed by United States Government agencies or enterprises. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.

Key Stats

• Today's Range: $8.05 to $8.39
• 50-Day Range: $7.41 to $9.35
• 52-Week Range: $6.55 to $15.25
• Volume: 10,388 shs
• Average Volume: 5,521 shs
• Market Capitalization: $103.76 million
• P/E Ratio: 61.93
• Dividend Yield: 0.50%
• Price Target: N/A
• Consensus Rating: N/A

First Guaranty Bancshares Stock Analysis - MarketRank™

First Guaranty Bancshares scored higher than 84% of companies evaluated by MarketBeat, and ranked 294th out of 919 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for First Guaranty Bancshares.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 37.08%

Earnings Growth

Earnings for First Guaranty Bancshares are expected to grow by 37.08% in the coming year, from $0.89 to $1.22 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Guaranty Bancshares is 61.93, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 28.09.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Guaranty Bancshares is 61.93, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.74.

Price to Book Value per Share Ratio

First Guaranty Bancshares has a P/B Ratio of 0.45. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.31% of the float of First Guaranty Bancshares has been sold short.

Short Interest Ratio / Days to Cover

First Guaranty Bancshares has a short interest ratio ("days to cover") of 0.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Guaranty Bancshares has recently decreased by 18.82%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

First Guaranty Bancshares has a dividend yield of 0.46%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Guaranty Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of First Guaranty Bancshares is 30.77%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Guaranty Bancshares will have a dividend payout ratio of 3.28% next year. This indicates that First Guaranty Bancshares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.1 / 5
• Environmental Score: -0.71

Percentage of Shares Shorted

0.31% of the float of First Guaranty Bancshares has been sold short.

Short Interest Ratio / Days to Cover

First Guaranty Bancshares has a short interest ratio ("days to cover") of 0.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Guaranty Bancshares has recently decreased by 18.82%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, First Guaranty Bancshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $342,330.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

47.20% of the stock of First Guaranty Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 39.52% of the stock of First Guaranty Bancshares is held by institutions.

FGBI Stock Analysis - Frequently Asked Questions

How have FGBI shares performed this year?

First Guaranty Bancshares' stock was trading at $11.36 on January 1st, 2025. Since then, FGBI shares have decreased by 29.1% and is now trading at $8.05.

How were First Guaranty Bancshares' earnings last quarter?

First Guaranty Bancshares, Inc. (NASDAQ:FGBI) announced its quarterly earnings results on Monday, May, 12th. The bank reported ($0.54) earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.17 by $0.71. The bank had revenue of $56.82 million for the quarter, compared to analyst estimates of $27.90 million. First Guaranty Bancshares had a net margin of 1.59% and a trailing twelve-month return on equity of 1.78%.

When did First Guaranty Bancshares IPO?

First Guaranty Bancshares (FGBI) raised $92 million in an initial public offering on Friday, December 19th 2014. The company issued 4,600,000 shares at $19.00-$21.00 per share. Raymond James served as the underwriter for the IPO and Keefe, Bruyette & Woods (A Stifel Company) and Sterne Agee were co-managers.

How do I buy shares of First Guaranty Bancshares?

Shares of FGBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Guaranty Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Guaranty Bancshares investors own include Bank of America (BAC), JPMorgan Chase & Co. (JPM), Meta Platforms (META), M&T Bank (MTB), Occidental Petroleum (OXY), Pfizer (PFE) and Piper Sandler Companies (PIPR).

Company Calendar

• Last Earnings: 5/12/2025
• Record date for 6/30 Dividend: 6/23/2025
• Ex-Dividend for 6/30 Dividend: 6/23/2025
• Dividend Payable: 6/30/2025
• Today: 8/02/2025
• Next Earnings (Estimated): 8/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FGBI
• CIK: 1408534
• Web: www.fgb.net
• Phone: (985) 345-7685
• Fax: 985-375-0355
• Employees: 490
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.13
• Trailing P/E Ratio: 61.93
• Forward P/E Ratio: 9.04
• P/E Growth: N/A
• Net Income: $12.45 million
• Net Margins: 1.59%
• Pretax Margin: 2.03%
• Return on Equity: 1.78%
• Return on Assets: 0.10%

Debt

• Debt-to-Equity Ratio: 0.92
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $246.45 million
• Price / Sales: 0.42
• Cash Flow: $1.06 per share
• Price / Cash Flow: 7.56
• Book Value: $17.75 per share
• Price / Book: 0.45

Miscellaneous

• Outstanding Shares: 12,890,000
• Free Float: 6,805,000
• Market Cap: $103.76 million
• Optionable: Not Optionable
• Beta: 0.43