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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

First Guaranty Bancshares, Inc. (FGBI)

Financial Services Banks - Regional
9.30 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
0.2Mrd. $
Shares Outstanding
17Mio.
Float
25.2%
Beta
0.4

Performance

Perf. 1M
5.70%
Perf. 3M
31.20%
Perf. 6M
114.10%
YTD Performance (%)
95.20%
52-Week-High Distance
-11.9%

Valuation

P/E
Forward P/E
12.6
PEG
P/B
0.9
P/S
0.7
EV/EBITDA
0.0
Price/FCF
4.5

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
-196.9%
Return on Equity
-19.8%
Return on Assets
-1.2%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
0.9
Altman Z
4.45
very solid
Piotroski
8 von 9

Growth

Sales Growth Last Quarter
94.50%
EPS Growth Last Quarter
255.40%
Sales Growth (Year)
-19.95%
Forward Sales Growth
Forward EPS Growth
62.50%

Dividend

Dividend Yield
0.40%
Dividend Per Share (TTM)
0.04$
Payout Ratio
200.0%
Years Without a Cut
0Years
Increase Streak
0Years

Quality & Screener

Stage
2
RS Rating
82
Top 10%
EPS Rating
92
very solid
Piotroski
8 von 9
Fundamental Rating
C (+1 von 100)
Altman Z
4.45

AI Rating

Neutral

First Guaranty Bancshares ist eine Regionalbank ohne KI-Umsatzquelle und ohne belegten operativen KI-Einsatz. In den sechs geprüften Filings taucht KI nur ein einziges Mal auf — im 10-K für das Geschäftsjahr 2025, dort ausschließlich in Standard-Risikohinweisen: künstliche Intelligenz wird als eines von mehreren Beispielen „neuer Technologien“ genannt, deren Einführung die Bank bewältigen müsse, sowie als Feld mit unsicherer Rechtslage. Das ist Boilerplate-Risikosprache ohne konkreten Bezug zu einem KI-bedingten Geschäftsmodell-Risiko und kein Beleg für tatsächliche Nutzung. Das ältere 10-K (GJ2024) und alle vier 10-Qs erwähnen KI überhaupt nicht — KI ist für das Geschäft nicht wesentlich.

View the full file — quotes, sources, reviewed filings

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Sales Per Quarter ($M)
2024: Q4 · 59.8 Mio. $ Q4 2025: Q1 · 56.5 Mio. $ Q1 2025: Q2 · 56.0 Mio. $ Q2 2025: Q3 · 55.0 Mio. $ Q3 2025: Q4 · 53.1 Mio. $ Q4 2026: Q1 · 52.3 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.06 $ Q4 2025: Q1 · -0.37 $ Q1 2025: Q2 · -0.44 $ Q2 2025: Q3 · -2.73 $ Q3 2025: Q4 · 0.15 $ Q4 2026: Q1 · 0.17 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 1.7 % Q4 2025: Q1 · -10.9 % Q1 2025: Q2 · -13.0 % Q2 2025: Q3 · -81.9 % Q3 2025: Q4 · 4.6 % Q4 2026: Q1 · 5.2 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 19.0 Mio. $ Q4 2025: Q1 · 5.4 Mio. $ Q1 2025: Q2 · -18.3 Mio. $ Q2 2025: Q3 · 29.4 Mio. $ Q3 2025: Q4 · -24.8 Mio. $ Q4 2026: Q1 · 50.6 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 18.7 Mio. $ Q4 2025: Q1 · 5.2 Mio. $ Q1 2025: Q2 · -18.6 Mio. $ Q2 2025: Q3 · 28.7 Mio. $ Q3 2025: Q4 · -25.5 Mio. $ Q4 2026: Q1 · 50.4 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 14.2 % Q4 2025: Q1 · 3.0 % Q1 2025: Q2 · -18.6 % Q2 2025: Q3 · -10.5 % Q3 2025: Q4 · -11.2 % Q4 2026: Q1 · -7.4 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · -22.5 % Q4 2025: Q1 · -366.9 % Q1 2025: Q2 · -201.4 % Q2 2025: Q3 · -2,435.4 % Q3 2025: Q4 · 142.6 % Q4
Price Change in Quarter (%)
2024: Q4 · 6.8 % Q4 2025: Q1 · -32.1 % Q1 2025: Q2 · 6.9 % Q2 2025: Q3 · -2.3 % Q3 2025: Q4 · -32.9 % Q4 2026: Q1 · 51.4 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.06 -22.50 60 14.20 1.70 19 19
2025: Q1 -0.37 -366.90 57 3.00 -10.90 5 5
2025: Q2 -0.44 -201.40 56 -18.60 -13.00 -18 -19
2025: Q3 -2.73 -2,435.40 55 -10.50 -81.90 29 29
2025: Q4 0.15 142.60 53 -11.20 4.60 -25 -26
2026: Q1 0.17 52 -7.40 5.20 51 50
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

First Guaranty Bancshares, Inc. ist die Holdinggesellschaft der First Guaranty Bank, die gewerbliche Bankdienstleistungen in Louisiana und Texas anbietet.

Employees330
HeadquartersHammond, LA
Websitefgb.net
IPO Date2. Jan 2001
Next Earnings17. Aug 2026

Management

Management
Name Title Birth Year
Michael Ray Mineer President & CEO 1967
Eric John Dosch C.F.A. Treasurer, Secretary & CFO 1979
Kevin J. Foster Senior VP & Regional Manager Denham Springs
Gregory P. Prudhomme Senior VP & Regional Manager of Central Louisiana

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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