First Guaranty Bancshares (FGBI) Competitors

Unity Bancorp (NASDAQ:UNTY) and First Guaranty Bancshares (NASDAQ:FGBI) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, risk, earnings, institutional ownership, profitability, analyst recommendations, dividends, community ranking and media sentiment.

Does the MarketBeat Community believe in UNTY or FGBI?

Unity Bancorp received 10 more outperform votes than First Guaranty Bancshares when rated by MarketBeat users. However, 65.43% of users gave First Guaranty Bancshares an outperform vote while only 64.50% of users gave Unity Bancorp an outperform vote.

Company	Underperform	Outperform
Unity Bancorp	Outperform Votes 169 64.50%	Underperform Votes 93 35.50%
First Guaranty Bancshares	Outperform Votes 159 65.43%	Underperform Votes 84 34.57%

Does the media refer more to UNTY or FGBI?

In the previous week, Unity Bancorp had 1 more articles in the media than First Guaranty Bancshares. MarketBeat recorded 1 mentions for Unity Bancorp and 0 mentions for First Guaranty Bancshares. Unity Bancorp's average media sentiment score of 1.95 beat First Guaranty Bancshares' score of 0.00 indicating that Unity Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Unity Bancorp	Very Positive
First Guaranty Bancshares	Neutral

Do analysts rate UNTY or FGBI?

Unity Bancorp currently has a consensus price target of $54.50, indicating a potential upside of 15.61%. Given Unity Bancorp's stronger consensus rating and higher possible upside, equities research analysts plainly believe Unity Bancorp is more favorable than First Guaranty Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Unity Bancorp	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00
First Guaranty Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Do institutionals & insiders hold more shares of UNTY or FGBI?

42.3% of Unity Bancorp shares are owned by institutional investors. Comparatively, 39.5% of First Guaranty Bancshares shares are owned by institutional investors. 28.9% of Unity Bancorp shares are owned by insiders. Comparatively, 46.4% of First Guaranty Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Which has more volatility and risk, UNTY or FGBI?

Unity Bancorp has a beta of 1.03, indicating that its stock price is 3% more volatile than the S&P 500. Comparatively, First Guaranty Bancshares has a beta of 0.4, indicating that its stock price is 60% less volatile than the S&P 500.

Is UNTY or FGBI a better dividend stock?

Unity Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 1.1%. First Guaranty Bancshares pays an annual dividend of $0.04 per share and has a dividend yield of 0.5%. Unity Bancorp pays out 12.8% of its earnings in the form of a dividend. First Guaranty Bancshares pays out 4.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Unity Bancorp has raised its dividend for 11 consecutive years. Unity Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Is UNTY or FGBI more profitable?

Unity Bancorp has a net margin of 25.24% compared to First Guaranty Bancshares' net margin of 5.04%. Unity Bancorp's return on equity of 15.08% beat First Guaranty Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Unity Bancorp	25.24%	15.08%	1.59%
First Guaranty Bancshares	5.04%	5.62%	0.34%

Which has stronger earnings & valuation, UNTY or FGBI?

Unity Bancorp has higher earnings, but lower revenue than First Guaranty Bancshares. First Guaranty Bancshares is trading at a lower price-to-earnings ratio than Unity Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Unity Bancorp	$164.21M	2.87	$41.45M	$4.06	11.61
First Guaranty Bancshares	$246.45M	0.45	$12.45M	$0.81	10.83

Summary

Unity Bancorp beats First Guaranty Bancshares on 17 of the 21 factors compared between the two stocks.