Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
First Guaranty Bancshares, Inc.'s quarterly P/E stands at 14.5x.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -2.51 | 14.50 | 11.19 | — | — | — | 83.04 | 24.20 | 4.25 | 18.13 | 44.69 | 27.50 | 14.80 |
| — | — | -86.5% | — | — | — | +85.8% | -12.0% | -71.3% | +24.9% | +220.2% | +251.9% | +70.5% | |
| P/S Ratio | 0.88 | 0.61 | 0.39 | 0.49 | 0.47 | 0.43 | 0.59 | 0.54 | 0.41 | 0.58 | 0.62 | 0.63 | 0.66 |
| — | +43.9% | -34.6% | -9.0% | +15.9% | -26.3% | -3.5% | -14.3% | -38.5% | -39.9% | -60.5% | -58.0% | -64.7% | |
| P/B Ratio | 0.65 | 0.57 | 0.36 | 0.49 | 0.40 | 0.38 | 0.56 | 0.52 | 0.44 | 0.51 | 0.52 | 0.53 | 0.51 |
| — | +49.5% | -34.5% | -5.6% | -8.5% | -24.4% | +7.9% | -1.3% | -14.2% | -31.0% | -51.7% | -48.0% | -55.3% | |
| P/FCF | — | 0.64 | — | 0.94 | — | 4.65 | 1.90 | 6.67 | 4.26 | 80.03 | 5.22 | — | 6.92 |
| — | -86.3% | — | -85.9% | — | -94.2% | -63.6% | — | -38.5% | +455.7% | -78.7% | — | +19.8% | |
| EV / EBITDA | — | -43.06 | -49.43 | — | — | — | -23.19 | -1.91 | 2.33 | 1.24 | 11.30 | 20.16 | 10.66 |
| — | — | -113.2% | — | — | — | -305.1% | -109.5% | -78.2% | -79.3% | -3.6% | +237.4% | +139.3% | |
| EV / EBIT | — | -76.38 | -49.43 | — | — | — | -47.10 | -2.71 | 2.61 | 1.66 | 18.25 | 28.98 | 13.78 |
| — | — | -4.9% | — | — | — | -358.1% | -109.4% | -81.0% | -77.3% | +32.7% | +337.5% | +175.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
First Guaranty Bancshares, Inc.'s operating margin was 2.6% in Q1 2026, down 2.9 pp QoQ and up 16.7 pp YoY. The trailing four-quarter average of -26.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 130.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | -6.2% | 39.6% | 37.1% | -44.1% | 13.0% | 17.1% | 31.2% | 35.5% | 43.0% | 39.2% | 39.8% | 44.0% | 49.3% |
| — | +130.9% | +19.1% | -224.3% | -69.7% | -56.3% | -21.8% | -19.4% | -12.8% | -29.6% | -34.5% | -37.9% | -38.3% | |
| Operating Margin | -35.0% | 2.6% | 5.5% | -98.3% | -16.9% | -14.1% | 2.0% | 4.1% | 13.6% | 5.5% | 3.1% | 4.7% | 7.5% |
| — | +118.1% | +181.4% | -2520.2% | -224.5% | -359.2% | -36.8% | -12.7% | +82.4% | -47.4% | -80.5% | -82.2% | -74.8% | |
| Net Margin | -28.6% | 5.2% | 4.6% | -81.9% | -13.0% | -10.9% | 1.7% | 3.1% | 10.5% | 4.2% | 2.5% | 3.6% | 5.8% |
| — | +148.1% | +173.1% | -2708.9% | -224.6% | -359.0% | -32.1% | -12.0% | +80.6% | -47.0% | -80.4% | -82.8% | -75.3% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -23.3% | 1.2% | 1.1% | -18.6% | -2.8% | -2.4% | 0.4% | 0.8% | 2.8% | 0.9% | 0.5% | 0.7% | 1.1% |
| — | +150.0% | +177.3% | -2567.5% | -199.6% | -363.5% | -26.0% | +1.6% | +148.9% | -38.2% | -75.7% | -78.9% | -68.4% | |
| ROA | -1.4% | 0.1% | 0.1% | -1.2% | -0.2% | -0.2% | 0.0% | 0.1% | 0.2% | 0.1% | 0.0% | 0.1% | 0.1% |
| — | +143.2% | +143.0% | -2367.7% | -193.3% | -343.2% | -31.6% | -4.1% | +142.8% | -40.1% | -77.2% | -80.0% | -70.1% | |
| ROIC | -11.8% | 0.2% | 0.5% | -9.5% | -1.6% | -1.3% | 0.2% | 0.4% | 1.4% | 0.4% | 0.2% | 0.3% | 0.6% |
| — | +118.2% | +179.4% | -2625.5% | -214.0% | -393.6% | -12.8% | +11.7% | +117.9% | -48.5% | -81.9% | -85.3% | -76.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
First Guaranty Bancshares, Inc.'s Debt/EBITDA ratio is 83.2x, up from 63.8x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 28893.2% YoY to 91.40x, strengthening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.82 | 0.88 | 0.82 | 0.84 | 0.71 | 0.80 | 0.79 | 0.79 | 1.11 | 0.90 | 1.10 | 1.44 | 0.89 |
| — | +10.0% | +3.9% | +6.4% | -36.4% | -10.9% | -28.2% | -44.9% | +24.9% | +54.6% | +41.4% | +130.6% | +210.8% | |
| Debt / EBITDA | — | 83.23 | 63.76 | — | — | — | 85.09 | 57.33 | 26.99 | 56.03 | 105.39 | 103.24 | 47.79 |
| — | — | -25.1% | — | — | — | -19.3% | -44.5% | -43.5% | +133.7% | +331.4% | +707.5% | +748.7% | |
| Current Ratio | 120.47 | 91.40 | 120.47 | 0.36 | 0.36 | 0.32 | 0.31 | 0.28 | 0.20 | 0.21 | 0.22 | 0.20 | 0.18 |
| — | +28893.2% | +39037.6% | +28.1% | +80.0% | +52.2% | +42.1% | +41.8% | +8.2% | +7.5% | +14.8% | +4.6% | -1.3% | |
| Quick Ratio | 120.47 | 91.40 | 120.47 | 0.36 | 0.36 | 0.32 | 0.31 | 0.28 | 0.20 | 0.21 | 0.22 | 0.20 | 0.18 |
| — | +28893.2% | +39037.6% | +28.1% | +80.0% | +52.2% | +42.1% | +41.8% | +8.2% | +7.5% | +14.8% | +4.6% | -1.3% | |
| Interest Coverage | -0.54 | 0.04 | 0.09 | -1.73 | -0.30 | -0.25 | 0.03 | 0.07 | 0.29 | 0.10 | 0.06 | 0.09 | 0.15 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying FGBI stock.
First Guaranty Bancshares, Inc.'s current P/E is -2.5x. The average P/E over the last 2 quarters is 12.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First Guaranty Bancshares, Inc.'s current operating margin is -35.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking First Guaranty Bancshares, Inc.'s business trajectory between earnings reports.