First Guaranty Bancshares, Inc. (FGBI)
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Basics
Performance
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
NeutralFirst 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
Filings Reviewed: 10-Q 2026-05-13 · 10-Q 2025-11-17 · 10-Q 2025-08-18 · 10-Q 2025-05-12 · 10-K 2026-03-31 · 10-K 2025-03-17
Rated on July 8, 2026 · How the Rating Is Built
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.
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 |
- 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.
| Employees | 330 |
|---|---|
| Headquarters | Hammond, LA |
| Website | fgb.net |
| IPO Date | 2. Jan 2001 |
| Next Earnings | 17. Aug 2026 |
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.