FGBI logo

FIRST GUARANTY BANCSHARES IN

FGBINASDAQ
πŸ† #3939 by market capEarnings Oct 29US Equity
$8.40β–² $0.28 (+3.32%)
πŸŒ™ After hours$8.40β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–² 3.3%
7dβ–Ό 3.1%
14dβ–² 0.8%
30dβ–Ό 3.6%
ytdβ–² 54.7%
1yβ–² 3.6%
🏦Market Cap
$139M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-19.9%
Declining
πŸ“ŠGross Margin
20.0%
Thin
πŸ’΅FCF Margin
28.1%
Strong
βš–οΈP/S Ratio
0.7x
Cheap
Otter Score
56
Weak

Trading Snapshot

Day Range
$8.37 – $8.52
52-Week Range
$4.31 – $11.02
Volume
$2.06B
Avg Volume
$2.59B
Shares Outstanding
16.5M
Next Earnings
Dec 8, 2026

Fundamentals Snapshot

Annual Revenue
$196M
Last Q Revenue
$29M
P/E Ratio
-3.2
P/S Ratio
0.7x
EPS (TTM)
$-2.23
Dividend Yield
0.48%
Dilution (1yr)
+22.8%

Why Investors Own FGBI

  • βœ“High-growth profile β€” revenue up +3.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 61% gross margin and 25% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FGBI logo

FIRST GUARANTY BANCSHARES IN

FGBI
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$196Mβ–Ό βˆ’19.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
-6.2%β–Ό βˆ’116.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
βˆ’$69Mβ–Ό βˆ’528.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$10Mβ–Ό βˆ’132.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
15.4Mβ–² +22.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$660Mβ–² +$297M YoY
StockOtter Β· stockotter.space

About FIRST GUARANTY BANCSHARES IN

First Guaranty Bancshares, Inc. functions as the parent company for First Guaranty Bank, a financial institution delivering commercial banking services primarily across Louisiana and Texas. The bank offers a comprehensive suite of deposit products, including various checking accounts for personal and business use, savings accounts, money market accounts, demand deposits, and certificates of deposit (time deposits). These services are extended to individual consumers, small and medium-sized businesses, and municipal entities. Its lending portfolio is diverse, providing credit solutions such as real estate-backed loans (including commercial, non-farm non-residential, single-to-four-family residential, multifamily, construction, and land development), commercial and industrial loans, agricultural loans (including farmland), and other consumer loans. These are primarily aimed at small to medium-sized businesses, professionals, and individuals. Additionally, First Guaranty Bank provides numerous customer-centric services. Individuals can access credit cards, mobile check deposit, safe deposit boxes, official checks, robust online and mobile banking platforms, ATM services, and online bill payment. Business clients benefit from specialized solutions like merchant services, remote deposit capture, and lockbox services. A portion of the company's assets is strategically invested in various securities. This includes debt instruments issued by the United States Government and its agencies, state and municipal obligations, corporate bonds, mutual funds, and equity securities. It also allocates funds to mortgage-backed securities, predominantly those issued or guaranteed by U.S. Government agencies or enterprises. The company operates a network of 36 banking facilities. These are primarily located in significant market areas across Louisiana (including Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, and Alexandria) and Texas (notably Dallas-Fort Worth-Arlington and Waco), with a presence also extending to Kentucky and West Virginia. First Guaranty Bancshares, Inc. was established in 1934 and maintains its corporate headquarters in Hammond, Louisiana.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
56/100

Analyst Ratings

β“˜
Consensus
Sell
6 analysts
Strong Buy0
Buy0
Hold3
Sell1
Strong Sell2
Ratings as of Sep 2026

Latest News & Updates

Defense WorldΒ·8d ago

Insider Buying: First Guaranty Bancshares (NASDAQ:FGBI) Director Acquires $15,256.40 in Stock

First Guaranty Bancshares, Inc. (NASDAQ: FGBI - Get Free Report) Director Bruce Mcanally purchased 860 shares of the business's stock in a transaction dated Tuesday, September 15th. The stock was bought at an average cos

Defense WorldΒ·9d ago

First Guaranty Bancshares (NASDAQ:FGBI) Director Acquires $70,960.00 in Stock

First Guaranty Bancshares, Inc. (NASDAQ: FGBI - Get Free Report) Director Robert Walker acquired 4,000 shares of the company's stock in a transaction that occurred on Tuesday, September 15th. The stock was purchased at a

GlobeNewsWireΒ·Jul 28

First Guaranty Bancshares, Inc. Reports Second Quarter 2026 Net Income of $3.4 Million, and Earnings Per Share of $0.17

HAMMOND, La., July 28, 2026 (GLOBE NEWSWIRE) -- First Guaranty Bancshares, Inc. ("First Guaranty") (NASDAQ: FGBI), the holding company for First Guaranty Bank, reported net income of $3.4 million, or $0.17 per common sha

Zacks Investment ResearchΒ·Jul 27

First Guaranty Bancshares (FGBI) Surpasses Q2 Earnings and Revenue Estimates

First Guaranty Bancshares (FGBI) came out with quarterly earnings of $0.17 per share, beating the Zacks Consensus Estimate of $0.09 per share. This compares to a loss of $0.61 per share a year ago.

Zacks Investment ResearchΒ·Jun 29

First Guaranty Bancshares (FGBI) Surges 10.4%: Is This an Indication of Further Gains?

First Guaranty Bancshares (FGBI) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.