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First Guaranty Bancshares, Inc.(FGBI)Earnings, Financials & Key Ratios
FGBI•NASDAQ•Banking & Credit
$9.41
$149M mkt cap·Price updated May 7, 2026
AboutFirst 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 also 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. The company operates through 36 banking facilities primarily located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, Alexandria, Dallas-Fort Worth-Arlington, Waco, Kentucky, and West Virginia. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.Show more
- Net Interest Income$87M-1.7%
- Total Revenue$196M-19.9%
- Net Income-$56M-550.0%
- Return on Equity-23.28%-571.9%
- Net Interest Margin2.13%-4.2%
- Efficiency Ratio28.81%-6.6%
- ROA-1.39%-520.7%
- Equity / Assets5.55%-13.6%
- Book Value per Share16.18-20.7%
- Tangible BV/Share15.99-16.3%
- Debt/Equity0.82+3.9%
FGBI Key Insights
First Guaranty Bancshares, Inc. (FGBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 28.8% efficiency ratio
- ✓Momentum leader: RS Rating 81 (top 19%)
- ✓Trading at only 0.6x book value
✗Weaknesses
- ✗Weak Piotroski F-Score: 3/9
- ✗Thin capital base
- ✗Shares diluted 11.9% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FGBI Price & Volume
First Guaranty Bancshares, Inc. (FGBI) stock price & volume — 10-year historical chart
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FGBI Growth Metrics
First Guaranty Bancshares, Inc. (FGBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.84%
5 Years9.74%
3 Years10.35%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-550.05%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-596.19%
Return on Capital
10 Years8.29%
5 Years6.05%
3 Years1.2%
Last Year-3.02%
FGBI Recent Earnings
First Guaranty Bancshares, Inc. (FGBI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 5/12 qtrs (50%)
Q2 2026Latest
Apr 27, 2026EPS
$0.14
Est $0.07
+100.0%
Revenue
$52M
Est $22M
+136.0%
Q2 2026
Mar 31, 2026EPS
$0.13
Est $0.29
+144.8%
Revenue
$53M
Est $31M
+70.2%
Q2 2026
Mar 12, 2026EPS
$0.16
Est $0.29
+155.0%
Revenue
$22M
Est $31M
-28.4%
Q2 2026
Mar 5, 2026EPS
$0.16
Est $0.29
+155.0%
Revenue
$22M
Est $31M
-28.4%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.14vs $0.07+100.0% | $52Mvs $22M+136.0% |
| Q2 2026 | Mar 31, 2026 | $0.13vs $0.29+144.8% | $53Mvs $31M+70.2% |
| Q2 2026 | Mar 12, 2026 | $0.16vs $0.29+155.0% | $22Mvs $31M-28.4% |
| Q2 2026 | Mar 5, 2026 | $0.16vs $0.29+155.0% | $22Mvs $31M-28.4% |
Based on last 12 quarters of dataView full earnings history →
FGBI Peer Comparison
First Guaranty Bancshares, Inc. (FGBI) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 202.97M | 21.08 | 14.44 | -9.41% | 7.81% | 0.28 | ||
 LKFN | 1.63B | 62.60 | 15.61 | -1.93% | 14.19% | 0.24 | ||
 FFIN | 4.61B | 32.39 | 20.76 | 18.79% | 13.25% | 0.12 | ||
 HFBL | 60.26M | 19.60 | 15.56 | -2.88% | 9.28% | 0.07 | ||
 BFST | 901.65M | 27.58 | 9.92 | 11.84% | 10.19% | 0.61 | ||
 HBCP | 511.92M | 65.40 | 11.14 | 4.93% | 11.03% | 0.13 | ||
 PFIS | 590.04M | 58.97 | 10.03 | 22.26% | 11.81% | 0.50 | ||
 SMBC | 772.92M | 69.58 | 13.43 | 11.72% | 11.85% | 0.26 |
Compare FGBI vs Peers
First Guaranty Bancshares, Inc. (FGBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FGBI Income Statement
First Guaranty Bancshares, Inc. (FGBI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 53.15M | 57.02M | 61.68M | 74.67M | 89.62M | 100.04M | 84.7M | 88.44M | 86.94M |
| NII Growth % | 9.84% | 7.28% | 8.16% | 21.06% | 20.02% | 11.63% | -15.33% | 4.41% | -1.69% |
| Net Interest Margin % | 3.04% | 3.14% | 2.91% | 3.02% | 3.11% | 3.17% | 2.38% | 2.23% | 2.13% |
| Interest Income | 67.55M | 78.39M | 91.64M | 100.68M | 111.92M | 136.58M | 183.01M | 221.71M | 213.28M |
| Interest Expense | 14.39M | 21.37M | 29.97M | 26.02M | 22.3M | 36.53M | 98.3M | 133.27M | 126.34M |
| Loan Loss Provision | 3.82M | 1.35M | 4.86M | 14.88M | 2.06M | 3.66M | 3.71M | 20.03M | 81.73M |
| Non-Interest Income | 7.18M | 4.07M | 7.08M | 22.45M | 9M | 9.26M | 8.77M | 23.07M | -17.32M |
| Non-Interest Income % | 9.61% | 4.93% | 7.17% | 18.23% | 7.44% | 6.35% | 4.57% | 9.43% | -8.84% |
| Total Revenue | 74.72M▲ 0% | 82.46M▲ 10.3% | 98.72M▲ 19.7% | 123.13M▲ 24.7% | 120.92M▼ 1.8% | 145.84M▲ 20.6% | 191.78M▲ 31.5% | 244.78M▲ 27.6% | 195.96M▼ 19.9% |
| Revenue Growth % | 11.62% | 10.35% | 19.73% | 24.72% | -1.8% | 20.61% | 31.51% | 27.63% | -19.95% |
| Non-Interest Expense | 37.36M | 42.06M | 46M | 56.7M | 62.11M | 69.25M | 77.87M | 75.47M | 56.45M |
| Efficiency Ratio | 50% | 51.01% | 46.6% | 46.05% | 51.36% | 47.49% | 40.6% | 30.83% | 28.81% |
| Operating Income | 19.15M▲ 0% | 17.68M▼ 7.7% | 17.9M▲ 1.3% | 25.54M▲ 42.7% | 34.45M▲ 34.9% | 36.39M▲ 5.6% | 11.9M▼ 67.3% | 16.01M▲ 34.5% | -68.56M▼ 528.3% |
| Operating Margin % | 25.63% | 21.44% | 18.13% | 20.74% | 28.49% | 24.95% | 6.2% | 6.54% | -34.99% |
| Operating Income Growth % | -9.91% | -7.7% | 1.26% | 42.69% | 34.92% | 5.62% | -67.31% | 34.55% | -528.34% |
| Pretax Income | 19.15M▲ 0% | 17.68M▼ 7.7% | 17.9M▲ 1.3% | 25.54M▲ 42.7% | 34.45M▲ 34.9% | 36.39M▲ 5.6% | 11.9M▼ 67.3% | 16.01M▲ 34.5% | -68.56M▼ 528.3% |
| Pretax Margin % | 25.63% | 21.44% | 18.13% | 20.74% | 28.49% | 24.95% | 6.2% | 6.54% | -34.99% |
| Income Tax | 7.4M | 3.46M | 3.66M | 5.22M | 7.16M | 7.51M | 2.68M | 3.56M | -12.54M |
| Effective Tax Rate % | 38.64% | 19.59% | 20.43% | 20.44% | 20.77% | 20.63% | 22.5% | 22.23% | 18.29% |
| Net Income | 11.75M▲ 0% | 14.21M▲ 21.0% | 14.24M▲ 0.2% | 20.32M▲ 42.7% | 27.3M▲ 34.3% | 28.88M▲ 5.8% | 9.22M▼ 68.1% | 12.45M▲ 35.0% | -56.02M▼ 550.0% |
| Net Margin % | 15.73% | 17.24% | 14.42% | 16.5% | 22.57% | 19.81% | 4.81% | 5.09% | -28.59% |
| Net Income Growth % | -16.62% | 20.95% | 0.2% | 42.67% | 34.35% | 5.81% | -68.08% | 35.03% | -550.05% |
| Net Income (Continuing) | 11.75M | 14.21M | 14.24M | 20.32M | 27.3M | 28.88M | 9.22M | 12.45M | -56.02M |
| EPS (Diluted) | 1.13▲ 0% | 1.33▲ 17.7% | 1.34▲ 0.8% | 1.90▲ 41.8% | 2.42▲ 27.4% | 2.48▲ 2.5% | 0.62▼ 75.0% | 0.81▲ 30.6% | -4.17▼ 614.8% |
| EPS Growth % | -18.7% | 17.7% | 0.75% | 41.79% | 27.37% | 2.48% | -75% | 30.65% | -614.81% |
| EPS (Basic) | 1.13 | 1.33 | 1.34 | 1.90 | 2.42 | 2.48 | 0.62 | 0.81 | -4.17 |
| Diluted Shares Outstanding | 10.42M | 10.66M | 10.66M | 10.71M | 10.72M | 10.72M | 11.16M | 12.5M | 13.99M |
FGBI Balance Sheet
First Guaranty Bancshares, Inc. (FGBI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 418.74M | 424.39M | 406.94M | 537.45M | 472.37M | 214.25M | 369.6M | 845.13M | 845.7M |
| Cash & Due from Banks | 37.2M | 127.42M | 66.51M | 298.9M | 261.75M | 82.8M | 286.11M | 564.03M | 845.7M |
| Short Term Investments | 381.54M | 296.98M | 340.43M | 238.55M | 210.62M | 131.46M | 83.48M | 281.1M | 551K |
| Total Investments | 1.64B | 1.62B | 1.94B | 1.95B | 2.26B | 2.63B | 2.84B | 3.04B | 3.07B |
| Investments Growth % | 14.31% | -1.38% | 19.81% | 0.7% | 15.42% | 16.67% | 7.84% | 7.21% | 1.03% |
| Long-Term Investments | 1.26B | 1.32B | 1.6B | 1.72B | 2.05B | 2.5B | 2.75B | 2.76B | 3.07B |
| Accounts Receivables | 7.98M | 6.72M | 8.41M | 11.93M | 12.05M | 13M | 15.71M | 14.85M | 12.46M |
| Goodwill & Intangibles | 7.9M | 7M | 20.11M | 19.49M | 18.82M | 17.88M | 17.2M | 16.37M | 2.64M |
| Goodwill | 3.47M | 3.47M | 12.94M | 12.9M | 12.9M | 12.9M | 12.9M | 12.9M | 0 |
| Intangible Assets | 4.42M | 3.53M | 7.17M | 6.59M | 5.92M | 4.98M | 4.3M | 3.47M | 2.64M |
| PP&E (Net) | 38.02M | 39.7M | 56.46M | 59.89M | 58.64M | 58.21M | 69.79M | 67.79M | 59.59M |
| Other Assets | 16.57M | 16.25M | 24.64M | 24.7M | 27.38M | 32.38M | 42.05M | 48M | 84.09M |
| Total Current Assets | 426.72M | 431.11M | 415.36M | 652.94M | 727.95M | 542.32M | 668.78M | 1.08B | 857.61M |
| Total Non-Current Assets | 1.32B | 1.39B | 1.7B | 1.82B | 2.15B | 2.61B | 2.88B | 2.89B | 3.22B |
| Total Assets | 1.75B▲ 0% | 1.82B▲ 3.8% | 2.12B▲ 16.5% | 2.47B▲ 16.8% | 2.88B▲ 16.4% | 3.15B▲ 9.5% | 3.55B▲ 12.7% | 3.97B▲ 11.8% | 4.08B▲ 2.7% |
| Asset Growth % | 16.62% | 3.82% | 16.51% | 16.81% | 16.38% | 9.49% | 12.74% | 11.82% | 2.66% |
| Return on Assets (ROA) | 0.72% | 0.8% | 0.72% | 0.89% | 1.02% | 0.96% | 0.27% | 0.33% | -1.39% |
| Accounts Payable | 2.49M | 3.95M | 6.05M | 5.29M | 4.48M | 4.29M | 11.81M | 20.44M | 17.64M |
| Total Debt | 52.94M | 34.54M | 86.75M | 116.63M | 49.63M | 183.37M | 275.4M | 201.92M | 186.13M |
| Net Debt | 15.73M | -92.88M | 20.24M | -182.27M | -212.11M | 100.57M | -10.72M | -362.11M | -659.57M |
| Long-Term Debt | 37.44M | 34.54M | 66.83M | 60.51M | 43.2M | 36.93M | 209.1M | 194.91M | 179.01M |
| Short-Term Debt | 15.5M | 0 | 19.92M | 56.12M | 6.44M | 146.44M | 66.3M | 7.01M | 7.12M |
| Other Liabilities | 1.74M | 1.81M | 5.37M | 6.25M | 3.62M | 4.91M | 6.84M | 19.06M | 3.67B |
| Total Current Liabilities | 1.57B | 1.63B | 1.88B | 2.23B | 2.61B | 2.87B | 3.09B | 3.5B | 7.12M |
| Total Non-Current Liabilities | 39.17M | 36.35M | 72.2M | 66.76M | 46.82M | 41.83M | 215.94M | 213.97M | 3.85B |
| Total Liabilities | 1.61B | 1.67B | 1.95B | 2.29B | 2.65B | 2.92B | 3.3B | 3.72B | 3.85B |
| Total Equity | 143.98M▲ 0% | 147.28M▲ 2.3% | 166.03M▲ 12.7% | 178.59M▲ 7.6% | 223.89M▲ 25.4% | 234.99M▲ 5.0% | 249.63M▲ 6.2% | 255.05M▲ 2.2% | 226.22M▼ 11.3% |
| Equity Growth % | 15.79% | 2.29% | 12.73% | 7.56% | 25.36% | 4.96% | 6.23% | 2.17% | -11.3% |
| Equity / Assets (Capital Ratio) | 8.23% | 8.1% | 7.84% | 7.22% | 7.78% | 7.46% | 7.03% | 6.42% | 5.55% |
| Return on Equity (ROE) | 8.76% | 9.76% | 9.09% | 11.79% | 13.56% | 12.59% | 3.8% | 4.93% | -23.28% |
| Book Value per Share | 13.82 | 13.82 | 15.57 | 16.67 | 20.89 | 21.93 | 22.36 | 20.40 | 16.18 |
| Tangible BV per Share | 13.07 | 13.16 | 13.68 | 14.85 | 19.13 | 20.26 | 20.82 | 19.09 | 15.99 |
| Common Stock | 8.81M | 9.69M | 9.74M | 10.72M | 10.72M | 10.72M | 12.47M | 12.51M | 15.79M |
| Additional Paid-in Capital | 92.27M | 109.79M | 110.84M | 130.09M | 130.09M | 130.09M | 149.09M | 149.39M | 170.62M |
| Retained Earnings | 44.46M | 34.95M | 43.28M | 37.13M | 56.65M | 76.35M | 67.97M | 72.97M | 14.05M |
| Accumulated OCI | -1.56M | -7.14M | 2.17M | 647K | -6.63M | -15.23M | -12.96M | -12.87M | -7.31M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 33.06M | 33.06M | 33.06M | 33.06M | 33.06M |
FGBI Cash Flow Statement
First Guaranty Bancshares, Inc. (FGBI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 12.28M | 26.89M | 29.08M | 23.76M | 26.52M | 36.87M | 21.71M | 33.73M | -8.28M |
| Operating CF Growth % | -44.74% | 119.06% | 8.14% | -18.29% | 11.62% | 39.01% | -41.1% | 55.33% | -124.55% |
| Net Income | 11.75M | 14.21M | 14.24M | 20.32M | 27.3M | 28.88M | 9.22M | 12.45M | -56.02M |
| Depreciation & Amortization | 2.44M | 3.29M | 3.06M | 3.78M | 4.78M | 4.11M | 4.03M | 4.43M | 4.29M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 3.93M | 4.24M | 5.09M | 2.93M | 795K | 3.69M | 4.46M | 2.56M | 95.04M |
| Working Capital Changes | -5.85M | 5.15M | 6.69M | -3.27M | -6.35M | 179K | 4.01M | 14.28M | -51.59M |
| Cash from Investing | -83M | 6.79M | -131.91M | -128.46M | -452.64M | -467.91M | -206.09M | -142.07M | 129.9M |
| Purchase of Investments | -547.72M | -309.35M | -274.44M | -1.08B | -552.56M | -153.05M | -2.63M | -365.49M | -588.74M |
| Sale/Maturity of Investments | 554.6M | 395.75M | 300.78M | 1.28B | 419.06M | 52.99M | 51.7M | 169.5M | 202.35M |
| Net Investment Activity | 6.88M | 86.4M | 26.34M | 198.13M | -133.51M | -100.07M | 49.07M | -195.99M | -386.38M |
| Acquisitions | -2.91M | 0 | -23.32M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -80.16M | -75.82M | -122.99M | -320.27M | -316.94M | -365.2M | -240.3M | 56.97M | 517.98M |
| Cash from Financing | 90.64M | 56.26M | 42.29M | 336.88M | 388.45M | 252.33M | 387.61M | 386.09M | 159.88M |
| Dividends Paid | -5.21M | -5.64M | -5.8M | -6.23M | -7.78M | -9.19M | -9.7M | -7.46M | -2.89M |
| Share Repurchases | -10.65M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 10.65M | 0 | 1M | 0 | 0 | 0 | 20M | 0 | 7.05M |
| Net Stock Activity | 0 | 0 | 1M | 0 | 0 | 0 | 20M | 0 | 7.05M |
| Debt Issuance (Net) | 669K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | 95.18M | 64.84M | 18.38M | 349.41M | 380.49M | 267.3M | 205.16M | 407.88M | 156.73M |
| Net Change in Cash | 19.92M▲ 0% | 89.94M▲ 351.6% | -60.54M▼ 167.3% | 232.18M▲ 483.5% | -37.67M▼ 116.2% | -178.71M▼ 374.4% | 203.24M▲ 213.7% | 277.75M▲ 36.7% | 281.49M▲ 1.3% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 18.11M | 38.03M | 127.97M | 67.42M | 299.61M | 261.93M | 83.22M | 286.45M | 564.21M |
| Cash at End | 38.03M | 127.97M | 67.42M | 299.61M | 261.93M | 83.22M | 286.45M | 564.21M | 845.7M |
| Interest Paid | 13.84M | 19.9M | 27.87M | 26.77M | 23.11M | 36.73M | 90.79M | 124.64M | 129.14M |
| Income Taxes Paid | 10.7M | 2.4M | 3.27M | 4.83M | 11.44M | 7.62M | 3.43M | 0 | 4.15M |
| Free Cash Flow | 5.46M▲ 0% | 23.1M▲ 323.0% | 17.14M▼ 25.8% | 17.45M▲ 1.8% | 24.32M▲ 39.4% | 34.22M▲ 40.7% | 6.76M▼ 80.2% | 30.68M▲ 354.0% | -9.98M▼ 132.5% |
| FCF Growth % | -69.83% | 323.04% | -25.79% | 1.76% | 39.38% | 40.74% | -80.25% | 353.99% | -132.51% |
FGBI Banking Ratios
First Guaranty Bancshares, Inc. (FGBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.62% | 8.76% | 9.76% | 9.09% | 11.79% | 13.56% | 12.59% | 3.8% | 4.93% | -23.28% |
| Return on Assets (ROA) | 0.95% | 0.72% | 0.8% | 0.72% | 0.89% | 1.02% | 0.96% | 0.27% | 0.33% | -1.39% |
| Net Interest Margin | 3.22% | 3.04% | 3.14% | 2.91% | 3.02% | 3.11% | 3.17% | 2.38% | 2.23% | 2.13% |
| Efficiency Ratio | 47.56% | 50% | 51.01% | 46.6% | 46.05% | 51.36% | 47.49% | 40.6% | 30.83% | 28.81% |
| Equity / Assets | 8.28% | 8.23% | 8.1% | 7.84% | 7.22% | 7.78% | 7.46% | 7.03% | 6.42% | 5.55% |
| Book Value / Share | 12.28 | 13.82 | 13.82 | 15.57 | 16.67 | 20.89 | 21.93 | 22.36 | 20.4 | 16.18 |
| NII Growth | 1.94% | 9.84% | 7.28% | 8.16% | 21.06% | 20.02% | 11.63% | -15.33% | 4.41% | -1.69% |
| Dividend Payout | 34.56% | 44.34% | 39.65% | 40.75% | 30.68% | 23.42% | 23.75% | 79.94% | 41.19% | - |
FGBI SEC Filings & Documents
First Guaranty Bancshares, Inc. (FGBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
FGBI Frequently Asked Questions
First Guaranty Bancshares, Inc. (FGBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
First Guaranty Bancshares, Inc. (FGBI) saw revenue decline by 19.9% over the past year.
First Guaranty Bancshares, Inc. (FGBI) reported a net loss of $56.0M for fiscal year 2025.
Dividend & Returns
Yes, First Guaranty Bancshares, Inc. (FGBI) pays a dividend with a yield of 0.43%. This makes it attractive for income-focused investors.
First Guaranty Bancshares, Inc. (FGBI) has a return on equity (ROE) of -23.3%. Negative ROE indicates the company is unprofitable.
Industry Metrics
First Guaranty Bancshares, Inc. (FGBI) has a net interest margin (NIM) of 2.1%. NIM has been under pressure due to interest rate environment.
First Guaranty Bancshares, Inc. (FGBI) has an efficiency ratio of 28.8%. This is excellent, indicating strong cost control.
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First Guaranty Bancshares, Inc. (FGBI) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
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Dividend History
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Earnings History
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Price History
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Revenue History
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Financial Ratios
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Valuation
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