First Guaranty Bancshares (FGBI) Competitors

Carter Bankshares (NASDAQ:CARE) and First Guaranty Bancshares (NASDAQ:FGBI) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their valuation, institutional ownership, media sentiment, risk, dividends, analyst recommendations, profitability and earnings.

Do institutionals and insiders hold more shares of CARE or FGBI?

41.5% of Carter Bankshares shares are held by institutional investors. Comparatively, 39.5% of First Guaranty Bancshares shares are held by institutional investors. 2.2% of Carter Bankshares shares are held by company insiders. Comparatively, 47.2% of First Guaranty Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Does the media refer more to CARE or FGBI?

In the previous week, Carter Bankshares had 5 more articles in the media than First Guaranty Bancshares. MarketBeat recorded 6 mentions for Carter Bankshares and 1 mentions for First Guaranty Bancshares. Carter Bankshares' average media sentiment score of 0.86 beat First Guaranty Bancshares' score of 0.84 indicating that Carter Bankshares is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Carter Bankshares	3 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
First Guaranty Bancshares	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts prefer CARE or FGBI?

Carter Bankshares presently has a consensus target price of $21.50, suggesting a potential upside of 26.92%. Given Carter Bankshares' stronger consensus rating and higher possible upside, research analysts plainly believe Carter Bankshares is more favorable than First Guaranty Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Carter Bankshares	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

Which has more volatility & risk, CARE or FGBI?

Carter Bankshares has a beta of 0.82, meaning that its stock price is 18% less volatile than the S&P 500. Comparatively, First Guaranty Bancshares has a beta of 0.43, meaning that its stock price is 57% less volatile than the S&P 500.

Which has better earnings & valuation, CARE or FGBI?

Carter Bankshares has higher earnings, but lower revenue than First Guaranty Bancshares. Carter Bankshares is trading at a lower price-to-earnings ratio than First Guaranty Bancshares, 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
Carter Bankshares	$243.10M	1.61	$24.27M	$1.36	12.46
First Guaranty Bancshares	$246.45M	0.42	$12.45M	$0.13	61.92

Is CARE or FGBI more profitable?

Carter Bankshares has a net margin of 12.58% compared to First Guaranty Bancshares' net margin of 1.59%. Carter Bankshares' return on equity of 7.76% beat First Guaranty Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Carter Bankshares	12.58%	7.76%	0.65%
First Guaranty Bancshares	1.59%	1.78%	0.10%

Summary

Carter Bankshares beats First Guaranty Bancshares on 13 of the 16 factors compared between the two stocks.