First Guaranty Bancshares, Inc. (FGBI) Financial Ratios
20 years of historical data (2006–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
N/A
—
5yr avg: 5.32
30Y Low0.2·High11.0
P/FCF
↓
N/A
—
5yr avg: 9.83
30Y Low2.0·High60.5
P/B Ratio
↓
0.58
↓-16% vs avg
5yr avg: 0.69
30Y Low0.3·High1.5
ROE
↓
-23.3%
↑-1103% vs avg
5yr avg: 2.3%
30Y Low-23%·High16%
Debt/EBITDA
↑
N/A
—
5yr avg: 8.24
30Y Low0.2·High17.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
FGBI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
First Guaranty Bancshares, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $148M | $75M | $142M | $124M | $251M | $218M | $173M | $211M | $204M | $215M | $182M |
| Enterprise Value | $-511905401 | $-584472080 | $-220093640 | $113M | $352M | $6M | $-9225750 | $231M | $112M | $231M | $207M |
| P/E Ratio → | -2.24 | — | 14.02 | 17.94 | 9.46 | 8.42 | 8.50 | 14.77 | 14.42 | 18.28 | 12.94 |
| P/S Ratio | 0.75 | 0.38 | 0.58 | 0.65 | 1.72 | 1.81 | 1.41 | 2.14 | 2.48 | 2.88 | 2.72 |
| P/B Ratio | 0.58 | 0.33 | 0.56 | 0.50 | 1.07 | 0.98 | 0.97 | 1.27 | 1.39 | 1.49 | 1.46 |
| P/FCF | — | — | 4.63 | 18.37 | 7.34 | 8.98 | 9.92 | 12.31 | 8.85 | 39.41 | 10.06 |
| P/OCF | — | — | 4.21 | 5.72 | 6.82 | 8.24 | 7.28 | 7.26 | 7.60 | 17.53 | 8.20 |
P/E links to full P/E history page with 30-year chart
FGBI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -2.98 | -0.90 | 0.59 | 2.41 | 0.05 | -0.07 | 2.34 | 1.35 | 3.09 | 3.10 |
| EV / EBITDA | — | — | -10.77 | 7.12 | 8.69 | 0.16 | -0.31 | 11.04 | 5.32 | 10.69 | 8.85 |
| EV / EBIT | — | — | -13.75 | 9.54 | 9.67 | 0.18 | -0.36 | 12.92 | 6.31 | 12.06 | 9.76 |
| EV / FCF | — | — | -7.17 | 16.78 | 10.28 | 0.26 | -0.53 | 13.49 | 4.83 | 42.29 | 11.46 |
FGBI Profitability
Margins and return-on-capital ratios measuring operating efficiency
First Guaranty Bancshares, Inc. earns an operating margin of -35.0%, below the Financial Services sector average of 21.6%. Operating margins have compressed from 6.2% to -35.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -23.3% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | -6.2% | -6.2% | 37.4% | 46.8% | 72.4% | 79.9% | 66.8% | 64.7% | 72.4% | 75.6% | 79.3% |
| Operating Margin | -35.0% | -35.0% | 6.5% | 6.2% | 25.0% | 28.5% | 20.7% | 18.1% | 21.4% | 25.6% | 31.8% |
| Net Profit Margin | -28.6% | -28.6% | 5.1% | 4.8% | 19.8% | 22.6% | 16.5% | 14.4% | 17.2% | 15.7% | 21.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -23.3% | -23.3% | 4.9% | 3.8% | 12.6% | 13.6% | 11.8% | 9.1% | 9.8% | 8.8% | 11.6% |
| ROA | -1.4% | -1.4% | 0.3% | 0.3% | 1.0% | 1.0% | 0.9% | 0.7% | 0.8% | 0.7% | 1.0% |
| ROIC | -11.8% | -11.8% | 2.4% | 1.9% | 7.9% | 9.1% | 7.0% | 6.2% | 7.0% | 7.9% | 9.7% |
| ROCE | -3.0% | -3.0% | 3.4% | 3.2% | 13.3% | 13.4% | 10.6% | 8.5% | 9.6% | 11.0% | 13.0% |
FGBI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $846M exceeds total debt of $186M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.82 | 0.82 | 0.79 | 1.10 | 0.78 | 0.22 | 0.65 | 0.52 | 0.23 | 0.37 | 0.35 |
| Debt / EBITDA | — | — | 9.88 | 17.30 | 4.53 | 1.27 | 3.98 | 4.14 | 1.65 | 2.45 | 1.84 |
| Net Debt / Equity | — | -2.92 | -1.42 | -0.04 | 0.43 | -0.95 | -1.02 | 0.12 | -0.63 | 0.11 | 0.20 |
| Net Debt / EBITDA | — | — | -17.72 | -0.67 | 2.48 | -5.41 | -6.22 | 0.97 | -4.43 | 0.73 | 1.08 |
| Debt / FCF | — | — | -11.80 | -1.59 | 2.94 | -8.72 | -10.45 | 1.18 | -4.02 | 2.88 | 1.40 |
| Interest Coverage | -0.54 | -0.54 | 0.12 | 0.12 | 1.00 | 1.55 | 0.98 | 0.60 | 0.83 | 1.33 | 2.10 |
Net cash position: cash ($846M) exceeds total debt ($186M)
FGBI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
First Guaranty Bancshares, Inc.'s current ratio of 120.47x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.22x to 120.47x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 120.47 | 120.47 | 0.31 | 0.22 | 0.19 | 0.28 | 0.29 | 0.22 | 0.26 | 0.27 | 0.32 |
| Quick Ratio | 120.47 | 120.47 | 0.31 | 0.22 | 0.19 | 0.28 | 0.29 | 0.22 | 0.26 | 0.27 | 0.32 |
| Cash Ratio | 118.79 | 118.79 | 0.16 | 0.09 | 0.03 | 0.10 | 0.13 | 0.04 | 0.08 | 0.02 | 0.01 |
| Asset Turnover | — | 0.05 | 0.06 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
FGBI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
First Guaranty Bancshares, Inc. returns 0.4% to shareholders annually primarily through dividends.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.4% | 0.7% | 3.6% | 5.9% | 2.7% | 2.9% | 3.6% | 2.7% | 2.8% | 2.4% | 2.7% |
| Payout Ratio | — | — | 41.2% | 79.9% | 23.7% | 23.4% | 30.7% | 40.7% | 39.7% | 44.3% | 34.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 7.1% | 5.6% | 10.6% | 11.9% | 11.8% | 6.8% | 6.9% | 5.5% | 7.7% |
| FCF Yield | — | — | 21.6% | 5.4% | 13.6% | 11.1% | 10.1% | 8.1% | 11.3% | 2.5% | 9.9% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 4.9% | 0.0% |
| Total Shareholder Yield | 0.4% | 0.7% | 3.6% | 5.9% | 2.7% | 2.9% | 3.6% | 2.7% | 2.8% | 7.4% | 2.7% |
| Shares Outstanding | — | $14M | $13M | $11M | $11M | $11M | $11M | $11M | $11M | $10M | $10M |
Peer Comparison
Compare FGBI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 FGBIYou | $148M | -2.2 | — | — | -6.2% | -35.0% | -23.3% | -11.8% | — |
 CZWI | $206M | 14.7 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 LKFN | $2B | 15.3 | 13.3 | 15.5 | 61.0% | 29.8% | 14.3% | 11.6% | 1.4 |
 FFIN | $5B | 20.7 | 14.1 | 15.7 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 HFBL | $60M | 15.6 | 8.0 | 11.1 | 63.9% | 14.4% | 7.2% | 5.9% | 0.7 |
 BFST | $905M | 10.0 | 8.8 | 9.8 | 60.9% | 22.2% | 10.4% | 6.2% | 4.6 |
 HBCP | $504M | 11.0 | 7.2 | 11.4 | 70.5% | 27.7% | 11.1% | 7.7% | 1.0 |
 PFIS | $594M | 10.1 | 11.0 | 13.7 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 SMBC | $769M | 13.4 | 8.5 | 10.2 | 57.7% | 24.2% | 11.3% | 8.5% | 1.7 |
 CADE | $8B | 15.2 | 7.0 | 10.1 | 59.3% | 23.3% | 9.8% | 6.7% | 0.0 |
 FIS | $23B | 58.0 | 7.1 | 9.2 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.2 | 11.4 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 20 years · Updated daily
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Start ComparisonFGBI — Frequently Asked Questions
Quick answers to the most common questions about buying FGBI stock.
What is First Guaranty Bancshares, Inc.'s P/E ratio?
First Guaranty Bancshares, Inc.'s current P/E ratio is -2.2x. The historical average is 11.4x.
What is First Guaranty Bancshares, Inc.'s ROE?
First Guaranty Bancshares, Inc.'s return on equity (ROE) is -23.3%. The historical average is 8.3%.
Is FGBI stock overvalued?
Based on historical data, First Guaranty Bancshares, Inc. is trading at a P/E of -2.2x. Compare with industry peers and growth rates for a complete picture.
What is First Guaranty Bancshares, Inc.'s dividend yield?
First Guaranty Bancshares, Inc.'s current dividend yield is 0.43%.
What are First Guaranty Bancshares, Inc.'s profit margins?
First Guaranty Bancshares, Inc. has -6.2% gross margin and -35.0% operating margin.