First Guaranty Bancshares, Inc.(FGBI)Earnings, Financials & Key Ratios

FGBI•NASDAQ•Banking & Credit

Price updated Jun 23, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional banks

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%

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 87 (top 13%)
✓Trading near 52-week high
✓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.

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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-1286.13%

EPS CAGR

10 Years-

5 Years-

3 Years-

TTM-2603.73%

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

Full history →

●Beat EPS 7/12 qtrs (64%)●Beat Revenue 5/12 qtrs (50%)

Q2 2026Latest

Apr 27, 2026

Metric

Actual

Est

EPS

$0.14+100.0%

$0.07

Rev

$52M+136.0%

$22M

Q2 2026

Mar 31, 2026

Metric

Actual

Est

EPS

$0.13+144.8%

$0.29

Rev

$53M+70.2%

$31M

Q2 2026

Mar 12, 2026

Metric

Actual

Est

EPS

$0.16+155.0%

$0.29

Rev

$22M-28.4%

$31M

Q2 2026

Mar 5, 2026

Metric

Actual

Est

EPS

$0.16+155.0%

$0.29

Rev

$22M-28.4%

$31M

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 →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
CZWICitizens Community Bancorp, Inc.Direct Competitor	220.85M	22.90	15.68	-9.41%	16.49%	8%	0.28
LKFNLakeland Financial CorporationDirect Competitor	1.53B	61.27	15.28	-1.93%	25.81%	14.79%	0.24
FFINFirst Financial Bankshares, Inc.Direct Competitor	4.8B	33.50	18.93	11.71%	31.14%	14.2%	0.01
HFBLHome Federal Bancorp, Inc. of LouisianaDirect Competitor	61.27M	20.06	15.92	-2.88%	17.78%	10.42%	0.07
BFSTBusiness First Bancshares, Inc.Direct Competitor	965.63M	29.55	10.63	11.84%	17.47%	10.06%	0.61
HBCPHome Bancorp, Inc.Product Competitor	529.85M	67.56	11.51	4.93%	22.17%	10.86%	0.13
PFISPeoples Financial Services Corp.Product Competitor	643.1M	64.24	10.93	22.26%	20.68%	11.5%	0.50
SMBCSouthern Missouri Bancorp, Inc.Product Competitor	811.85M	73.70	14.23	11.72%	21.42%	12%	0.26

Compare FGBI vs Peers

First Guaranty Bancshares, Inc. (FGBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for FGBI.

Scale Benchmark

vs FIS

Larger-name benchmark to compare FGBI against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, LKFN, FFIN, HFBL

FGBI Income Statement

First Guaranty Bancshares, Inc. (FGBI) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Net Interest Income	53.15M	57.02M	61.68M	74.67M	89.62M	100.04M	84.7M	88.44M	86.94M	85.41M
NII Growth %	9.84%	7.28%	8.16%	21.06%	20.02%	11.63%	-15.33%	4.41%	-1.69%	-14.58%
Net Interest Margin %	3.04%	3.14%	2.91%	3.02%	3.11%	3.17%	2.38%	2.23%	2.13%	2.16%
Interest Income	67.55M	78.39M	91.64M	100.68M	111.92M	136.58M	183.01M	221.71M	213.28M	211.09M
Interest Expense	14.39M	21.37M	29.97M	26.02M	22.3M	36.53M	98.3M	133.27M	126.34M	125.68M
Loan Loss Provision	3.82M	1.35M	4.86M	14.88M	2.06M	3.66M	3.71M	20.03M	81.73M	67.18M
Non-Interest Income	7.18M	4.07M	7.08M	22.45M	9M	9.26M	8.77M	23.07M	-17.32M	5.23M
Non-Interest Income %	9.61%	4.93%	7.17%	18.23%	7.44%	6.35%	4.57%	9.43%	-8.84%	2.42%
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%	216.32M▲ 0%
Revenue Growth %	11.62%	10.35%	19.73%	24.72%	-1.8%	20.61%	31.51%	27.63%	-19.95%	-47.71%
Non-Interest Expense	37.36M	42.06M	46M	56.7M	62.11M	69.25M	77.87M	75.47M	56.45M	82.69M
Efficiency Ratio	50%	51.01%	46.6%	46.05%	51.36%	47.49%	40.6%	30.83%	28.81%	38.23%
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%	-59.24M▲ 0%
Operating Margin %	25.63%	21.44%	18.13%	20.74%	28.49%	24.95%	6.2%	6.54%	-34.99%	-27.38%
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%	-57.03M▲ 0%
Pretax Margin %	25.63%	21.44%	18.13%	20.74%	28.49%	24.95%	6.2%	6.54%	-34.99%	-26.36%
Income Tax	7.4M	3.46M	3.66M	5.22M	7.16M	7.51M	2.68M	3.56M	-12.54M	-9.92M
Effective Tax Rate %	38.64%	19.59%	20.43%	20.44%	20.77%	20.63%	22.5%	22.23%	18.29%	17.39%
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%	-47.11M▲ 0%
Net Margin %	15.73%	17.24%	14.42%	16.5%	22.57%	19.81%	4.81%	5.09%	-28.59%	-21.78%
Net Income Growth %	-16.62%	20.95%	0.2%	42.67%	34.35%	5.81%	-68.08%	35.03%	-550.05%	-1286.13%
Net Income (Continuing)	11.75M	14.21M	14.24M	20.32M	27.3M	28.88M	9.22M	12.45M	-56.02M	-47.11M
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%	-2.98▲ 0%
EPS Growth %	-18.7%	17.7%	0.75%	41.79%	27.37%	2.48%	-75%	30.65%	-614.81%	-2603.73%
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	15.8M

FGBI Balance Sheet

First Guaranty Bancshares, Inc. (FGBI) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Cash & Short Term Investments	418.74M	424.39M	406.94M	537.45M	472.37M	214.25M	369.6M	845.13M	845.7M	3.77B
Cash & Due from Banks	37.2M	127.42M	66.51M	298.9M	261.75M	82.8M	286.11M	564.03M	845.7M	733.22M
Short Term Investments	381.54M	296.98M	340.43M	238.55M	210.62M	131.46M	83.48M	281.1M	551K	0
Total Investments	1.64B	1.62B	1.94B	1.95B	2.26B	2.63B	2.84B	3.04B	3.07B	3.1B
Investments Growth %	14.31%	-1.38%	19.81%	0.7%	15.42%	16.67%	7.84%	7.21%	1.03%	-1.96%
Long-Term Investments	1.26B	1.32B	1.6B	1.72B	2.05B	2.5B	2.75B	2.76B	3.07B	11.16B
Accounts Receivables	7.98M	6.72M	8.41M	11.93M	12.05M	13M	15.71M	14.85M	12.46M	13.92M
Goodwill & Intangibles	7.9M	7M	20.11M	19.49M	18.82M	17.88M	17.2M	16.37M	2.64M	2.43M
Goodwill	3.47M	3.47M	12.94M	12.9M	12.9M	12.9M	12.9M	12.9M	0	0
Intangible Assets	4.42M	3.53M	7.17M	6.59M	5.92M	4.98M	4.3M	3.47M	2.64M	2.43M
PP&E (Net)	38.02M	39.7M	56.46M	59.89M	58.64M	58.21M	69.79M	67.79M	59.59M	69.65M
Other Assets	16.57M	16.25M	24.64M	24.7M	27.38M	32.38M	42.05M	48M	84.09M	36.39M
Total Current Assets	426.72M	431.11M	415.36M	652.94M	727.95M	542.32M	668.78M	1.08B	857.61M	747.14M
Total Non-Current Assets	1.32B	1.39B	1.7B	1.82B	2.15B	2.61B	2.88B	2.89B	3.22B	3.21B
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%	3.96B▲ 0%
Asset Growth %	16.62%	3.82%	16.51%	16.81%	16.38%	9.49%	12.74%	11.82%	2.66%	12.6%
Return on Assets (ROA)	0.72%	0.8%	0.72%	0.89%	1.02%	0.96%	0.27%	0.33%	-1.39%	-1.19%
Accounts Payable	2.49M	3.95M	6.05M	5.29M	4.48M	4.29M	11.81M	20.44M	17.64M	22.56M
Total Debt	52.94M	34.54M	86.75M	116.63M	49.63M	183.37M	275.4M	201.92M	186.13M	197.08M
Net Debt	15.73M	-92.88M	20.24M	-182.27M	-212.11M	100.57M	-10.72M	-362.11M	-659.57M	-536.14M
Long-Term Debt	37.44M	34.54M	66.83M	60.51M	43.2M	36.93M	209.1M	194.91M	179.01M	179.03M
Short-Term Debt	15.5M	0	19.92M	56.12M	6.44M	146.44M	66.3M	7.01M	7.12M	8.17M
Other Liabilities	1.74M	1.81M	5.37M	6.25M	3.62M	4.91M	6.84M	19.06M	3.67B	3.54B
Total Current Liabilities	1.57B	1.63B	1.88B	2.23B	2.61B	2.87B	3.09B	3.5B	7.12M	8.17M
Total Non-Current Liabilities	39.17M	36.35M	72.2M	66.76M	46.82M	41.83M	215.94M	213.97M	3.85B	3.73B
Total Liabilities	1.61B	1.67B	1.95B	2.29B	2.65B	2.92B	3.3B	3.72B	3.85B	3.73B
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%	223.99M▲ 0%
Equity Growth %	15.79%	2.29%	12.73%	7.56%	25.36%	4.96%	6.23%	2.17%	-11.3%	-32.89%
Equity / Assets (Capital Ratio)	8.23%	8.1%	7.84%	7.22%	7.78%	7.46%	7.03%	6.42%	5.55%	5.66%
Return on Equity (ROE)	8.76%	9.76%	9.09%	11.79%	13.56%	12.59%	3.8%	4.93%	-23.28%	-20.17%
Book Value per Share	13.82	13.82	15.57	16.67	20.89	21.93	22.36	20.40	16.18	14.18
Tangible BV per Share	13.07	13.16	13.68	14.85	19.13	20.26	20.82	19.09	15.99	14.03
Common Stock	8.81M	9.69M	9.74M	10.72M	10.72M	10.72M	12.47M	12.51M	15.79M	16.03M
Additional Paid-in Capital	92.27M	109.79M	110.84M	130.09M	130.09M	130.09M	149.09M	149.39M	170.62M	172.21M
Retained Earnings	44.46M	34.95M	43.28M	37.13M	56.65M	76.35M	67.97M	72.97M	14.05M	16.06M
Accumulated OCI	-1.56M	-7.14M	2.17M	647K	-6.63M	-15.23M	-12.96M	-12.87M	-7.31M	-13.36M
Treasury Stock	0	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	33.06M

FGBI Cash Flow Statement

First Guaranty Bancshares, Inc. (FGBI) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Cash from Operations	12.28M	26.89M	29.08M	23.76M	26.52M	36.87M	21.71M	33.73M	-8.28M	36.92M
Operating CF Growth %	-44.74%	119.06%	8.14%	-18.29%	11.62%	39.01%	-41.1%	55.33%	-124.55%	782.59%
Net Income	11.75M	14.21M	14.24M	20.32M	27.3M	28.88M	9.22M	12.45M	-56.02M	-47.11M
Depreciation & Amortization	2.44M	3.29M	3.06M	3.78M	4.78M	4.11M	4.03M	4.43M	4.29M	3.07M
Deferred Taxes	0	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	85.47M
Working Capital Changes	-5.85M	5.15M	6.69M	-3.27M	-6.35M	179K	4.01M	14.28M	-51.59M	-4.51M
Cash from Investing	-83M	6.79M	-131.91M	-128.46M	-452.64M	-467.91M	-206.09M	-142.07M	129.9M	-93.21M
Purchase of Investments	-547.72M	-309.35M	-274.44M	-1.08B	-552.56M	-153.05M	-2.63M	-365.49M	-588.74M	-727.84M
Sale/Maturity of Investments	554.6M	395.75M	300.78M	1.28B	419.06M	52.99M	51.7M	169.5M	202.35M	153M
Net Investment Activity	6.88M	86.4M	26.34M	198.13M	-133.51M	-100.07M	49.07M	-195.99M	-386.38M	-574.84M
Acquisitions	-2.91M	0	-23.32M	0	0	0	0	0	0	338K
Other Investing	-80.16M	-75.82M	-122.99M	-320.27M	-316.94M	-365.2M	-240.3M	56.97M	517.98M	482.94M
Cash from Financing	90.64M	56.26M	42.29M	336.88M	388.45M	252.33M	387.61M	386.09M	159.88M	171.63M
Dividends Paid	-5.21M	-5.64M	-5.8M	-6.23M	-7.78M	-9.19M	-9.7M	-7.46M	-2.89M	-2.92M
Share Repurchases	-10.65M	0	0	0	0	0	0	0	0	0
Stock Issued	10.65M	0	1M	0	0	0	20M	0	7.05M	6.46M
Net Stock Activity	0	0	1M	0	0	0	20M	0	7.05M	6.46M
Debt Issuance (Net)	669K	-1000K	1000K	-1000K	-1000K	-1000K	1000K	-1000K	-1000K	4K
Other Financing	95.18M	64.84M	18.38M	349.41M	380.49M	267.3M	205.16M	407.88M	156.73M	168.08M
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%	115.34M▲ 0%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	111.93M
Cash at Beginning	18.11M	38.03M	127.97M	67.42M	299.61M	261.93M	83.22M	286.45M	564.21M	845.7M
Cash at End	38.03M	127.97M	67.42M	299.61M	261.93M	83.22M	286.45M	564.21M	845.7M	733.77M
Interest Paid	13.84M	19.9M	27.87M	26.77M	23.11M	36.73M	90.79M	124.64M	129.14M	95.97M
Income Taxes Paid	10.7M	2.4M	3.27M	4.83M	11.44M	7.62M	3.43M	0	4.15M	2.15M
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%	35.11M▲ 0%
FCF Growth %	-69.83%	323.04%	-25.79%	1.76%	39.38%	40.74%	-80.25%	353.99%	-132.51%	-1.02%

FGBI Banking Ratios

First Guaranty Bancshares, Inc. (FGBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
Return on Equity (ROE)	8.76%	9.76%	9.09%	11.79%	13.56%	12.59%	3.8%	4.93%	-23.28%	-20.17%
Return on Assets (ROA)	0.72%	0.8%	0.72%	0.89%	1.02%	0.96%	0.27%	0.33%	-1.39%	-1.19%
Net Interest Margin	3.04%	3.14%	2.91%	3.02%	3.11%	3.17%	2.38%	2.23%	2.13%	2.16%
Efficiency Ratio	50%	51.01%	46.6%	46.05%	51.36%	47.49%	40.6%	30.83%	28.81%	38.23%
Equity / Assets	8.23%	8.1%	7.84%	7.22%	7.78%	7.46%	7.03%	6.42%	5.55%	5.66%
Book Value / Share	13.82	13.82	15.57	16.67	20.89	21.93	22.36	20.4	16.18	14.18
NII Growth	9.84%	7.28%	8.16%	21.06%	20.02%	11.63%	-15.33%	4.41%	-1.69%	-3.75%
Dividend Payout	44.34%	39.65%	40.75%	30.68%	23.42%	23.75%	79.94%	41.19%	-	-1.26%

FGBI SEC Filings & Documents

First Guaranty Bancshares, Inc. (FGBI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

May 7, 2026·SEC

Material company update

May 5, 2026·SEC

Material company update

May 1, 2026·SEC

10-K Annual Reports

FY 2026

Mar 31, 2026·SEC

FY 2025

Mar 17, 2025·SEC

10-Q Quarterly Reports

FY 2026

May 13, 2026·SEC

FY 2025

Nov 17, 2025·SEC

FY 2025

Aug 18, 2025·SEC

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 $47.1M for fiscal year 2025.

Dividend & Returns

Yes, First Guaranty Bancshares, Inc. (FGBI) pays a dividend with a yield of 0.38%. 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.

What if you invested $1,000 in FGBI back in 2006?

Total return calculator · dividends reinvested · 20+ years of data

See returns →

How much would $100/month in FGBI be worth today?

Dollar cost averaging calculator · DCA vs lump sum

Calculate →

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%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

TTM

Net Interest Income

53.15M

57.02M

61.68M

74.67M

89.62M

100.04M

84.7M

88.44M

86.94M

85.41M

NII Growth %

9.84%

7.28%

8.16%

21.06%

20.02%

11.63%

-15.33%

4.41%

-1.69%

-14.58%

Net Interest Margin %

3.04%

3.14%

2.91%

3.02%

3.11%

3.17%

2.38%

2.23%

2.13%

2.16%

Interest Income

67.55M

78.39M

91.64M

100.68M

111.92M

136.58M

183.01M

221.71M

213.28M

211.09M

Interest Expense

14.39M

21.37M

29.97M

26.02M

22.3M

36.53M

98.3M

133.27M

126.34M

125.68M

Loan Loss Provision

3.82M

1.35M

4.86M

14.88M

2.06M

3.66M

3.71M

20.03M

81.73M

67.18M

Non-Interest Income

7.18M

4.07M

7.08M

22.45M

9.26M

8.77M

23.07M

-17.32M

5.23M

Non-Interest Income %

9.61%

4.93%

7.17%

18.23%

7.44%

6.35%

4.57%

9.43%

-8.84%

2.42%

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%

216.32M▲ 0%

Revenue Growth %

11.62%

10.35%

19.73%

24.72%

-1.8%

20.61%

31.51%

27.63%

-19.95%

-47.71%

Non-Interest Expense

37.36M

42.06M

46M

56.7M

62.11M

69.25M

77.87M

75.47M

56.45M

82.69M

Efficiency Ratio

50%

51.01%

46.6%

46.05%

51.36%

47.49%

40.6%

30.83%

28.81%

38.23%

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%

-59.24M▲ 0%

Operating Margin %

25.63%

21.44%

18.13%

20.74%

28.49%

24.95%

6.2%

6.54%

-34.99%

-27.38%

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%

-57.03M▲ 0%

Pretax Margin %

25.63%

21.44%

18.13%

20.74%

28.49%

24.95%

6.2%

6.54%

-34.99%

-26.36%

Income Tax

7.4M

3.46M

3.66M

5.22M

7.16M

7.51M

2.68M

3.56M

-12.54M

-9.92M

Effective Tax Rate %

38.64%

19.59%

20.43%

20.44%

20.77%

20.63%

22.5%

22.23%

18.29%

17.39%

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%

-47.11M▲ 0%

Net Margin %

15.73%

17.24%

14.42%

16.5%

22.57%

19.81%

4.81%

5.09%

-28.59%

-21.78%

Net Income Growth %

-16.62%

20.95%

0.2%

42.67%

34.35%

5.81%

-68.08%

35.03%

-550.05%

-1286.13%

Net Income (Continuing)

11.75M

14.21M

14.24M

20.32M

27.3M

28.88M

9.22M

12.45M

-56.02M

-47.11M

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%

-2.98▲ 0%

EPS Growth %

-18.7%

17.7%

0.75%

41.79%

27.37%

2.48%

-75%

30.65%

-614.81%

-2603.73%

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

10.71M

10.72M

11.16M

12.5M

13.99M

15.8M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

TTM

Cash & Short Term Investments

418.74M

424.39M

406.94M

537.45M

472.37M

214.25M

369.6M

845.13M

845.7M

3.77B

Cash & Due from Banks

37.2M

127.42M

66.51M

298.9M

261.75M

82.8M

286.11M

564.03M

845.7M

733.22M

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

3.1B

Investments Growth %

14.31%

-1.38%

19.81%

0.7%

15.42%

16.67%

7.84%

7.21%

1.03%

-1.96%

Long-Term Investments

1.26B

1.32B

1.6B

1.72B

2.05B

2.5B

2.75B

2.76B

3.07B

11.16B

Accounts Receivables

7.98M

6.72M

8.41M

11.93M

12.05M

13M

15.71M

14.85M

12.46M

13.92M

Goodwill & Intangibles

7.9M

20.11M

19.49M

18.82M

17.88M

17.2M

16.37M

2.64M

2.43M

Goodwill

3.47M

12.94M

12.9M

Intangible Assets

4.42M

3.53M

7.17M

6.59M

5.92M

4.98M

4.3M

3.47M

2.64M

2.43M

PP&E (Net)

38.02M

39.7M

56.46M

59.89M

58.64M

58.21M

69.79M

67.79M

59.59M

69.65M

Other Assets

16.57M

16.25M

24.64M

24.7M

27.38M

32.38M

42.05M

48M

84.09M

36.39M

Total Current Assets

426.72M

431.11M

415.36M

652.94M

727.95M

542.32M

668.78M

1.08B

857.61M

747.14M

Total Non-Current Assets

1.32B

1.39B

1.7B

1.82B

2.15B

2.61B

2.88B

2.89B

3.22B

3.21B

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%

3.96B▲ 0%

Asset Growth %

16.62%

3.82%

16.51%

16.81%

16.38%

9.49%

12.74%

11.82%

2.66%

12.6%

Return on Assets (ROA)

0.72%

0.8%

0.72%

0.89%

1.02%

0.96%

0.27%

0.33%

-1.39%

-1.19%

Accounts Payable

2.49M

3.95M

6.05M

5.29M

4.48M

4.29M

11.81M

20.44M

17.64M

22.56M

Total Debt

52.94M

34.54M

86.75M

116.63M

49.63M

183.37M

275.4M

201.92M

186.13M

197.08M

Net Debt

15.73M

-92.88M

20.24M

-182.27M

-212.11M

100.57M

-10.72M

-362.11M

-659.57M

-536.14M

Long-Term Debt

37.44M

34.54M

66.83M

60.51M

43.2M

36.93M

209.1M

194.91M

179.01M

179.03M

Short-Term Debt

15.5M

19.92M

56.12M

6.44M

146.44M

66.3M

7.01M

7.12M

8.17M

Other Liabilities

1.74M

1.81M

5.37M

6.25M

3.62M

4.91M

6.84M

19.06M

3.67B

3.54B

Total Current Liabilities

1.57B

1.63B

1.88B

2.23B

2.61B

2.87B

3.09B

3.5B

7.12M

8.17M

Total Non-Current Liabilities

39.17M

36.35M

72.2M

66.76M

46.82M

41.83M

215.94M

213.97M

3.85B

3.73B

Total Liabilities

1.61B

1.67B

1.95B

2.29B

2.65B

2.92B

3.3B

3.72B

3.85B

3.73B

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%

223.99M▲ 0%

Equity Growth %

15.79%

2.29%

12.73%

7.56%

25.36%

4.96%

6.23%

2.17%

-11.3%

-32.89%

Equity / Assets (Capital Ratio)

8.23%

8.1%

7.84%

7.22%

7.78%

7.46%

7.03%

6.42%

5.55%

5.66%

Return on Equity (ROE)

8.76%

9.76%

9.09%

11.79%

13.56%

12.59%

3.8%

4.93%

-23.28%

-20.17%

Book Value per Share

13.82

15.57

16.67

20.89

21.93

22.36

20.40

16.18

14.18

Tangible BV per Share

13.07

13.16

13.68

14.85

19.13

20.26

20.82

19.09

15.99

14.03

Common Stock

8.81M

9.69M

9.74M

10.72M

12.47M

12.51M

15.79M

16.03M

Additional Paid-in Capital

92.27M

109.79M

110.84M

130.09M

149.09M

149.39M

170.62M

172.21M

Retained Earnings

44.46M

34.95M

43.28M

37.13M

56.65M

76.35M

67.97M

72.97M

14.05M

16.06M

Accumulated OCI

-1.56M

-7.14M

2.17M

647K

-6.63M

-15.23M

-12.96M

-12.87M

-7.31M

-13.36M

Treasury Stock

Preferred Stock

33.06M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

TTM

Cash from Operations

12.28M

26.89M

29.08M

23.76M

26.52M

36.87M

21.71M

33.73M

-8.28M

36.92M

Operating CF Growth %

-44.74%

119.06%

8.14%

-18.29%

11.62%

39.01%

-41.1%

55.33%

-124.55%

782.59%

Net Income

11.75M

14.21M

14.24M

20.32M

27.3M

28.88M

9.22M

12.45M

-56.02M

-47.11M

Depreciation & Amortization

2.44M

3.29M

3.06M

3.78M

4.78M

4.11M

4.03M

4.43M

4.29M

3.07M

Deferred Taxes

Other Non-Cash Items

3.93M

4.24M

5.09M

2.93M

795K

3.69M

4.46M

2.56M

95.04M

85.47M

Working Capital Changes

-5.85M

5.15M

6.69M

-3.27M

-6.35M

179K

4.01M

14.28M

-51.59M

-4.51M

Cash from Investing

-83M

6.79M

-131.91M

-128.46M

-452.64M

-467.91M

-206.09M

-142.07M

129.9M

-93.21M

Purchase of Investments

-547.72M

-309.35M

-274.44M

-1.08B

-552.56M

-153.05M

-2.63M

-365.49M

-588.74M

-727.84M

Sale/Maturity of Investments

554.6M

395.75M

300.78M

1.28B

419.06M

52.99M

51.7M

169.5M

202.35M

153M

Net Investment Activity

6.88M

86.4M

26.34M

198.13M

-133.51M

-100.07M

49.07M

-195.99M

-386.38M

-574.84M

Acquisitions

-2.91M

-23.32M

338K

Other Investing

-80.16M

-75.82M

-122.99M

-320.27M

-316.94M

-365.2M

-240.3M

56.97M

517.98M

482.94M

Cash from Financing

90.64M

56.26M

42.29M

336.88M

388.45M

252.33M

387.61M

386.09M

159.88M

171.63M

Dividends Paid

-5.21M

-5.64M

-5.8M

-6.23M

-7.78M

-9.19M

-9.7M

-7.46M

-2.89M

-2.92M

Share Repurchases

-10.65M

Stock Issued

10.65M

20M

7.05M

6.46M

Net Stock Activity

20M

7.05M

6.46M

Debt Issuance (Net)

669K

-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

168.08M

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%

115.34M▲ 0%

Exchange Rate Effect

111.93M

Cash at Beginning

18.11M

38.03M

127.97M

67.42M

299.61M

261.93M

83.22M

286.45M

564.21M

845.7M

Cash at End

38.03M

127.97M

67.42M

299.61M

261.93M

83.22M

286.45M

564.21M

845.7M

733.77M

Interest Paid

13.84M

19.9M

27.87M

26.77M

23.11M

36.73M

90.79M

124.64M

129.14M

95.97M

Income Taxes Paid

10.7M

2.4M

3.27M

4.83M

11.44M

7.62M

3.43M

4.15M

2.15M

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%

35.11M▲ 0%

FCF Growth %

-69.83%

323.04%

-25.79%

1.76%

39.38%

40.74%

-80.25%

353.99%

-132.51%

-1.02%

Metric

2017

2018

2019

2020

2021

2022

2023

2024

2025

TTM

Return on Equity (ROE)

8.76%

9.76%

9.09%

11.79%

13.56%

12.59%

3.8%

4.93%

-23.28%

-20.17%

Return on Assets (ROA)

0.72%

0.8%

0.72%

0.89%

1.02%

0.96%

0.27%

0.33%

-1.39%

-1.19%

Net Interest Margin

3.04%

3.14%

2.91%

3.02%

3.11%

3.17%

2.38%

2.23%

2.13%

2.16%

Efficiency Ratio

50%

51.01%

46.6%

46.05%

51.36%

47.49%

40.6%

30.83%

28.81%

38.23%

Equity / Assets

8.23%

8.1%

7.84%

7.22%

7.78%

7.46%

7.03%

6.42%

5.55%

5.66%

Book Value / Share

13.82

15.57

16.67

20.89

21.93

22.36

20.4

16.18

14.18

NII Growth

9.84%

7.28%

8.16%

21.06%

20.02%

11.63%

-15.33%

4.41%

-1.69%

-3.75%

Dividend Payout

44.34%

39.65%

40.75%

30.68%

23.42%

23.75%

79.94%

41.19%

-1.26%

First Guaranty Bancshares, Inc.(FGBI)Earnings, Financials & Key Ratios

FGBI Key Insights

✓Strengths

✗Weaknesses

FGBI Price & Volume

FGBI Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FGBI Recent Earnings

FGBI Peer Comparison

Compare FGBI vs Peers

vs CZWI

vs FIS

Compare Top 5

FGBI Income Statement

FGBI Balance Sheet

FGBI Cash Flow Statement

FGBI Banking Ratios

FGBI SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FGBI Frequently Asked Questions

First Guaranty Bancshares, Inc.(FGBI)Earnings, Financials & Key Ratios

FGBI Key Insights

✓Strengths

✗Weaknesses

FGBI Price & Volume

FGBI Growth Metrics

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FGBI Recent Earnings

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FGBI Income Statement

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FGBI SEC Filings & Documents

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FGBI Frequently Asked Questions