First Guaranty Bancshares, Inc. (FGBI) AI Stock Analysis

First Guaranty Bancshares, Inc. serves as the holding company for First Guaranty Bank, delivering commercial banking services across Louisiana and Texas. Established in 1934 and based in Hammond, Louisiana, the bank operates 36 banking facilities across regions including Hammond, Baton Rouge, Lafayette, and Shreveport-Bossier City. It provides deposit products such as checking, savings, money market, demand, and time deposits to consumers, small businesses, and municipalities. Its lending operations include commercial real estate, commercial and industrial, residential mortgages, construction, agricultural, and consumer loans, alongside credit cards, mobile deposit capture, and online banking services.

Revenue delivered a 5-year CAGR of 9.7% from FY2020 to FY2025, rising from $120.9M in FY2021 to a peak of $244.8M in FY2024 before falling 19.9% to $196.0M in FY2025. Profitability contracted sharply in FY2025, with gross margin sinking to -6.2%, operating margin dropping to -35.0%, and net income declining to -$56.0M, or -$3.32 per share. Cash flow also deteriorated, as operating cash flow turned to -$8.3M and free cash flow reached -$10.0M in FY2025. Over the trailing twelve months, revenue was $37.7M with an EPS of -$2.42. For the latest quarter ended June 30, 2026, quarterly revenue rebounded 176.8% and quarterly earnings increased 255.4% year-over-year.

As of June 30, 2026, First Guaranty Bancshares held $1.99B in cash and short-term investments against total debt of $186.3M, leaving net cash of $1.81B. Total assets stood at $3.90B and shareholders' equity was $227.3M, yielding a current ratio of 277.69 and a debt-to-equity ratio of 0.82. During FY2025, the company allocated $1.7M to capital expenditures and paid $2.9M in dividends. In addition, its share count expanded by 52.3% over the past five years.

At $8.22 per share, First Guaranty Bancshares has a market capitalization of $136.0M and an enterprise value of -$426.4M. Its forward P/E ratio is 11.7x, compared to the median of 10.8x for its US-listed Financial Services peers. The stock trades at a price-to-sales multiple of 3.6x, above the peer median of 3.2x, while its price-to-book ratio is 0.7x. Over the past year, the stock returned 4.9%, underperforming the S&P 500 return of 16.8%. Over a five-year span, the stock fell 49.4% compared to an 83.0% gain for the S&P 500.

The company pays a quarterly dividend with an annual forward dividend of $0.04 per share, representing a dividend yield of 0.49%. The payout ratio stands at 200.0%. First Guaranty Bancshares has maintained consecutive annual dividend payments for 23 years, though its 5-year annualized dividend growth contracted by 41.5%. Its most recent ex-dividend date was September 25, 2026.

Wall Street coverage consists of 1 analyst holding a Hold rating. The mean price target is $9.00, representing a potential upside of 9.5% from the last close of $8.22. For the fiscal year ending December 31, 2026, the consensus EPS estimate is $0.40, reflecting projected earnings growth of 111.8%, while the estimate for the following fiscal year is $0.65. The company beat EPS estimates in 3 of the last 4 quarters, and its next earnings date is November 16, 2026.

This page is an AI-written research summary of First Guaranty Bancshares, Inc. (FGBI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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