A Business at a Glance
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First Guaranty Bancshares, Inc.
FGBI
$130M
Mkt Cap
$9.29
+0.32%
First Guaranty Bancshares, Inc. (FGBI) has a 5-year average return on invested capital (ROIC) of 2.1%. This is below average and may indicate limited pricing power.
First Guaranty Bancshares, Inc. (FGBI) has a market capitalization of $130M. It is classified as a small-cap stock.
Yes, First Guaranty Bancshares, Inc. (FGBI) pays a dividend with a trailing twelve-month yield of 0.43%.
First Guaranty Bancshares, Inc. (FGBI) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
First Guaranty Bancshares, Inc. (FGBI) reported annual revenue of $222 million in its most recent fiscal year, based on SEC EDGAR filings.
First Guaranty Bancshares, Inc. (FGBI) has a net profit margin of -26.3%. The company is currently unprofitable.
First Guaranty Bancshares, Inc. (FGBI) generated $-10 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
Special Note Regarding Forward-Looking Statements Congress passed the Private Securities Litigation Act of 1995 in an effort to encourage corporations to provide information about their anticipated future financial performance. This act provides a safe harbor for such disclosure, which protects us from unwarranted litigation, if actual results are different from management expectations. This discussion and analysis contains forward-looking statements and reflects management's current views and estimates of future economic circumstances, industry conditions, company performance and financial results. The words "may," "should," "expect," "anticipate," "intend," "plan," "continue," "believe," "seek," "estimate", "future", "likely" and similar expressions are intended to identify forward-looking statements.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 222M | 222M | 246M | 194M | 148M | 123M |
| Net Income | -58M | -58M | 10M | 6.9M | 27M | 26M |
| EPS | $-4.17 | $-4.17 | $0.81 | $0.62 | $2.48 | $2.42 |
| Free Cash Flow | -10.0M | -10.0M | 31M | 6.9M | 34M | 24M |
| ROIC | -0.9% | -13.6% | 2.2% | 1.9% | 9.9% | 10.2% |
| Gross Margin | 0.0% | 0.0% | 65.4% | 67.0% | 72.8% | 80.1% |
| Debt/Equity | 0.82 | 0.82 | 0.79 | 1.10 | 0.78 | 0.22 |
| Dividends/Share | $0.04 | $0.04 | $0.41 | $0.64 | $0.64 | $0.60 |
| Operating Income | -46M | -46M | 3.6M | 3.9M | 2.7M | 2.8M |
| Operating Margin | -20.8% | -20.8% | 1.5% | 2.0% | 1.8% | 2.3% |
| ROE | -25.8% | -24.2% | 4.0% | 2.8% | 11.6% | 12.9% |
| Shares Outstanding | 14M | 14M | 12M | 11M | 11M | 11M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 59M | 65M | 68M | 76M | 84M | 100M | 124M | 123M | 148M | 194M | 246M | 222M | 222M |
| Gross Margin | 81.2% | 80.8% | 79.6% | 76.0% | 72.8% | 65.2% | 67.1% | 80.1% | 72.8% | 67.0% | 65.4% | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 16M | 15M | 17M | 20M | 23M | 25M | 30M | 32M | 37M | 40M | 38M | 30M | 30M |
| EBIT | 1.5M | 1.1M | 1.4M | 2.1M | 1.7M | 2.0M | 2.3M | 2.8M | 2.7M | 3.9M | 3.6M | -46M | -46M |
| Op. Margin | 2.4% | 1.7% | 2.1% | 2.7% | 2.1% | 2.0% | 1.9% | 2.3% | 1.8% | 2.0% | 1.5% | -20.8% | -20.8% |
| Net Income | 11M | 14M | 14M | 12M | 14M | 14M | 20M | 26M | 27M | 6.9M | 10M | -58M | -58M |
| Net Margin | 18.2% | 21.7% | 20.7% | 15.5% | 17.0% | 14.2% | 16.3% | 21.1% | 18.0% | 3.6% | 4.1% | -26.3% | -26.3% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 100K | 0 | 0 | 23K | 13M | 12M | 12M |
| Returns on Capital | |||||||||||||
| ROIC | 8.2% | 9.4% | 8.8% | 6.9% | 7.8% | 6.9% | 8.7% | 10.2% | 9.9% | 1.9% | 2.2% | -13.6% | -0.9% |
| ROE | 8.2% | 11.0% | 11.6% | 8.8% | 9.8% | 9.1% | 11.8% | 12.9% | 11.6% | 2.8% | 4.0% | -24.2% | -25.8% |
| ROA | 0.7% | 0.9% | 1.0% | 0.7% | 0.8% | 0.7% | 0.9% | 1.0% | 0.9% | 0.2% | 0.3% | -1.4% | -1.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 17M | 17M | 22M | 12M | 27M | 29M | 24M | 27M | 37M | 22M | 34M | -8.3M | -8.3M |
| Free Cash Flow | 15M | 13M | 18M | 5.5M | 23M | 17M | 17M | 24M | 34M | 6.9M | 31M | -10.0M | -10.0M |
| Owner Earnings | 15M | 15M | 20M | 10M | 24M | 26M | 20M | 22M | 33M | 18M | 30M | -12M | -12M |
| CapEx | 1.7M | 4.4M | 4.1M | 6.8M | 3.8M | 12M | 6.3M | 2.2M | 2.6M | 15M | 3.0M | 1.7M | 1.7M |
| Maint. CapEx | 2.0M | 1.9M | 2.0M | 2.2M | 2.6M | 2.7M | 3.5M | 4.2M | 3.8M | 3.7M | 4.1M | 3.9M | 3.9M |
| Growth CapEx | 0 | 2.5M | 2.1M | 4.6M | 1.2M | 9.2M | 2.8M | 0 | 0 | 11M | 0 | 0 | 0 |
| D&A | 2.0M | 1.9M | 2.0M | 2.2M | 2.6M | 2.7M | 3.5M | 4.2M | 3.8M | 3.7M | 4.1M | 3.9M | 3.9M |
| CapEx/OCF | 9.9% | 25.6% | 18.5% | 55.5% | 14.1% | 41.0% | 26.6% | 8.3% | 7.2% | 68.4% | 9.0% | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 4.4M | 4.6M | 4.9M | 5.2M | 5.6M | 5.8M | 6.2M | 6.4M | 6.9M | 7.4M | 5.1M | 560K | 560K |
| Dividend Yield | 8.0% | 6.0% | 6.2% | 3.6% | 3.6% | 3.9% | 5.2% | 3.9% | 3.1% | 5.1% | 3.9% | N/A | 0.4% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 600K | 600K | 3.7M | 3.1M | 2.9M | 3.8M | 6.3M | 17M | 5.8M | 23M | 44M | 1.0M | 1.0M |
| Balance Sheet | |||||||||||||
| Net Debt | -683M | -371M | -372M | -367M | -390M | -324M | -422M | -423M | -31M | -415M | -965M | -1.7B | -660M |
| Cash & Equiv. | 44M | 37M | 18M | 38M | 128M | 67M | 300M | 262M | 83M | 286M | 564M | 846M | 846M |
| Long-Term Debt | 1.5M | 40M | 37M | 37M | 35M | 63M | 61M | 43M | 37M | 209M | 195M | 179M | 179M |
| Debt/Equity | 0.02 | 0.36 | 0.35 | 0.37 | 0.23 | 0.50 | 0.65 | 0.22 | 0.78 | 1.10 | 0.79 | 0.82 | 0.82 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 | 0.0 |
| Equity | 140M | 118M | 124M | 144M | 147M | 166M | 179M | 224M | 235M | 250M | 255M | 226M | 226M |
| Total Assets | 1.5B | 1.5B | 1.5B | 1.8B | 1.8B | 2.1B | 2.5B | 2.9B | 3.2B | 3.6B | 4.0B | 4.1B | 4.1B |
| Total Liabilities | 1.4B | 1.3B | 1.4B | 1.6B | 1.7B | 2.0B | 2.3B | 2.7B | 2.9B | 3.3B | 3.7B | 3.9B | 3.9B |
| Intangibles | 1.7M | 1.4M | 1.1M | 4.4M | 3.5M | 7.2M | 6.6M | 5.9M | 5.0M | 4.3M | 3.5M | 2.6M | 2.6M |
| Retained Earnings | 41M | 50M | 39M | 44M | 35M | 43M | 37M | 57M | 76M | 68M | 73M | 14M | 14M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 1.57 | 1.83 | 1.68 | 1.21 | 1.47 | 1.34 | 1.90 | 2.42 | 2.48 | 0.62 | 0.81 | -4.17 | -4.17 |
| Owner EPS | 2.14 | 1.98 | 2.41 | 1.04 | 2.51 | 2.48 | 1.89 | 2.08 | 3.09 | 1.62 | 2.37 | -0.87 | -0.87 |
| Book Value | 20.24 | 15.32 | 14.82 | 14.83 | 15.23 | 15.62 | 16.70 | 20.91 | 21.95 | 22.46 | 20.42 | 16.17 | 16.17 |
| Cash Flow/Share | 2.43 | 2.23 | 2.65 | 1.26 | 2.78 | 2.74 | 2.22 | 2.48 | 3.44 | 1.95 | 2.70 | -0.59 | -3.89 |
| Dividends/Share | 0.58 | 0.54 | 0.58 | 0.54 | 0.58 | 0.54 | 0.58 | 0.60 | 0.64 | 0.64 | 0.41 | 0.04 | 0.04 |
| Shares Out. | 6.9M | 7.7M | 8.4M | 9.7M | 9.7M | 10.6M | 10.7M | 10.7M | 10.7M | 11.1M | 12.5M | 14.0M | 14.0M |
| Valuation | |||||||||||||
| P/E Ratio | 9.4 | 7.8 | 10.1 | 14.3 | 11.1 | 12.2 | 7.3 | 7.5 | 9.9 | 19.2 | 14.1 | N/A | -2.2 |
| P/FCF | 4.6 | 6.6 | 6.2 | 28.1 | 6.2 | 10.0 | 8.5 | 8.0 | 6.6 | 17.2 | 4.6 | N/A | N/A |
| EV/EBIT | 71.1 | 111.7 | 116.8 | 96.6 | 100.1 | 93.1 | 69.8 | 73.8 | 103.6 | 37.8 | 51.6 | N/A | N/A |
| Price/Book | 0.7 | 0.9 | 1.1 | 1.2 | 1.1 | 1.0 | 0.8 | 0.9 | 1.1 | 0.5 | 0.6 | N/A | 0.6 |
| Price/Sales | 1.6 | 1.8 | 1.7 | 2.6 | 2.8 | 2.2 | 1.2 | 1.6 | 2.4 | 1.7 | 1.2 | N/A | 0.6 |
| FCF Yield | 14.9% | 11.6% | 12.8% | 3.2% | 14.7% | 9.9% | 11.7% | 12.5% | 13.0% | 5.2% | 21.5% | N/A | -7.7% |
| Market Cap | 102M | 111M | 142M | 169M | 158M | 173M | 149M | 195M | 263M | 133M | 143M | 0 | 130M |
| Avg. Price | 7.98 | 10.03 | 9.37 | 14.87 | 16.29 | 14.04 | 11.31 | 15.14 | 20.99 | 12.93 | 10.64 | 0.00 | 9.29 |
| Year-End Price | 10.04 | 10.93 | 13.31 | 15.82 | 14.72 | 16.15 | 13.87 | 18.18 | 21.06 | 10.60 | 11.40 | 0.00 | 9.29 |
First Guaranty Bancshares, Inc. passes 1 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 4.2x vs a median of 8.0x. The company's 5-year average ROIC is 2.1% with a gross margin of 57.0%. Total shareholder yield (dividends) is 0.4%. At current prices, the estimated annualized return to fair value is -6.9%.
First Guaranty Bancshares, Inc. (FGBI) has a debt-to-equity ratio of 0.82. This indicates moderate leverage.
First Guaranty Bancshares, Inc. (FGBI) reported earnings per share (EPS) of $-4.17 in its most recent fiscal year.
First Guaranty Bancshares, Inc. (FGBI) has a return on equity (ROE) of -24.2%. A negative ROE may indicate losses or negative equity.
First Guaranty Bancshares, Inc. (FGBI) has a 5-year average gross margin of 57.0%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for First Guaranty Bancshares, Inc. (FGBI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
First Guaranty Bancshares, Inc. (FGBI) has a book value per share of $16.17, based on its most recent annual SEC filing.