First Guaranty Bancshares（1GJ）株式概要はルイジアナ州とテキサス州で商業銀行サービスを提供するファースト・ギャランティ・バンクの持株会社として運営されている。 詳細1GJ ファンダメンタル分析スノーフレーク・スコア評価1/6将来の成長3/6過去の実績0/6財務の健全性4/6配当金0/6報酬収益は年間147.71%増加すると予測されています リスク分析過去1年間で株主の希薄化が進んだ すべてのリスクチェックを見る1GJ Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair Value€Current Price€8.50687.0% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-49m106m2016201920222025202620282031Revenue US$10.0mEarnings US$3.2mAdvancedSet Fair ValueView all narrativesFirst Guaranty Bancshares, Inc. 競合他社UmweltBankSymbol: XTRA:UBKMarket cap: €149.0mMerkur PrivatBank KgaASymbol: XTRA:MBKMarket cap: €105.8mProCredit HoldingSymbol: XTRA:PCZMarket cap: €510.6mBank Woori Saudara Indonesia 1906Symbol: IDX:SDRAMarket cap: Rp3.0t価格と性能株価の高値、安値、推移の概要First Guaranty Bancshares過去の株価現在の株価US$8.5052週高値US$9.0552週安値US$3.56ベータ0.451ヶ月の変化11.84%3ヶ月変化14.09%1年変化36.00%3年間の変化-26.72%5年間の変化-38.08%IPOからの変化-49.65%最新ニュースDeclared Dividend • Jun 15First quarter dividend of US$0.01 announcedShareholders will receive a dividend of US$0.01. Ex-date: 26th June 2026 Payment date: 30th June 2026 Dividend yield will be 0.4%, which is lower than the industry average of 4.8%.お知らせ • Apr 22First Guaranty Bancshares, Inc., Annual General Meeting, May 21, 2026First Guaranty Bancshares, Inc., Annual General Meeting, May 21, 2026. Location: fgb center, 206 south orange street, louisiana, hammond, United Statesお知らせ • Apr 08First Guaranty Bancshares, Inc. announced that it has received $1.28293 million in fundingOn April 7, 2026, First Guaranty Bancshares, Inc. closed the transaction.お知らせ • Jan 29First Guaranty Bancshares, Inc. Reports Charge-Offs for the Fourth Quarter Ended December 31, 2025First Guaranty Bancshares, Inc. reported charge-offs for the fourth quarter ended December 31, 2025. The company reported Charge-offs were $47.8 million for the fourth quarter of 2025 and $4.9 million for the same period in 2024.お知らせ • Jan 15First Guaranty Bancshares, Inc. announced that it has received $2.378624 million in fundingOn January 14, 2026, the First Guaranty Bancshares, Inc closed the transaction.お知らせ • Nov 11First Guaranty Bancshares, Inc. announced delayed 10-Q filingOn 11/10/2025, First Guaranty Bancshares, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.最新情報をもっと見るRecent updatesDeclared Dividend • Jun 15First quarter dividend of US$0.01 announcedShareholders will receive a dividend of US$0.01. Ex-date: 26th June 2026 Payment date: 30th June 2026 Dividend yield will be 0.4%, which is lower than the industry average of 4.8%.お知らせ • Apr 22First Guaranty Bancshares, Inc., Annual General Meeting, May 21, 2026First Guaranty Bancshares, Inc., Annual General Meeting, May 21, 2026. Location: fgb center, 206 south orange street, louisiana, hammond, United Statesお知らせ • Apr 08First Guaranty Bancshares, Inc. announced that it has received $1.28293 million in fundingOn April 7, 2026, First Guaranty Bancshares, Inc. closed the transaction.お知らせ • Jan 29First Guaranty Bancshares, Inc. Reports Charge-Offs for the Fourth Quarter Ended December 31, 2025First Guaranty Bancshares, Inc. reported charge-offs for the fourth quarter ended December 31, 2025. The company reported Charge-offs were $47.8 million for the fourth quarter of 2025 and $4.9 million for the same period in 2024.お知らせ • Jan 15First Guaranty Bancshares, Inc. announced that it has received $2.378624 million in fundingOn January 14, 2026, the First Guaranty Bancshares, Inc closed the transaction.お知らせ • Nov 11First Guaranty Bancshares, Inc. announced delayed 10-Q filingOn 11/10/2025, First Guaranty Bancshares, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.お知らせ • Aug 12First Guaranty Bancshares, Inc. announced delayed 10-Q filingOn 08/11/2025, First Guaranty Bancshares, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.お知らせ • Aug 01First Guaranty Bancshares, Inc. Reports Charge-Offs Results for the Second Quarter Ended June 30, 2025First Guaranty Bancshares, Inc. reported charge-offs results for the second quarter ended June 30, 2025. For the quarter, the company reported charge-offs were $1.1 million against $8.8 million during the same period in 2024.お知らせ • May 23First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on June 30, 2025On May 15, 2025 the Board of Directors of First Guaranty Bancshares, Inc. ("First Guaranty") declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.01 per share. The dividend will be payable to shareholders of record as of June 23, 2025 and is expected to be paid on June 30, 2025. This is the 128th consecutive quarterly dividend paid to common shareholders.お知らせ • Apr 21First Guaranty Bancshares, Inc., Annual General Meeting, May 15, 2025First Guaranty Bancshares, Inc., Annual General Meeting, May 15, 2025. Location: the fgb center, 206 south orange street, louisiana, hammond United Statesお知らせ • Jan 31First Guaranty Bancshares, Inc. Announces Charge-Offs for the Fourth Quarter of 2024First Guaranty Bancshares, Inc. announced charge-offs for the fourth quarter of 2024. The company charged off charged off $4.9 million in loan balances during the fourth quarter of 2024.お知らせ • Dec 27First Guaranty Bancshares, Inc. Elects Bruce Mcanally to the Board of DirectorsFirst Guaranty Bancshares, Inc. elected Mr. Bruce McAnally to the Board of Directors for First Guaranty on December 19, 2024. Mr. McAnally has not been appointed to serve on any committees and there is no expectation that he will be appointed to any particular committee at this time. Mr. McAnally is not a party to any transaction with First Guaranty or First Guaranty Bank that would require disclosure under Item 404(a) of Securities and Exchange Commission Regulation S-K. Mr. McAnally joined the Bank's Board of Directors in June 2017 with the acquisition of Synergy Bank where he served as Chairman of the Board. Mr. McAnally is a registered pharmacist and independent pharmacy owner residing in Austin, TX. He currently serves as founder and director of RxPreferred Benefits in Nashville, TN and as director of Best Value Pharmacies in Ft. Worth, TX; and was a founder of Paragon Healthcare in Dallas, TX.Reported Earnings • Nov 01Third quarter 2024 earnings released: EPS: US$0.11 (vs US$0.10 in 3Q 2023)Third quarter 2024 results: EPS: US$0.11 (up from US$0.10 in 3Q 2023). Revenue: US$22.2m (flat on 3Q 2023). Net income: US$1.35m (up 13% from 3Q 2023). Profit margin: 6.1% (up from 5.3% in 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 45% per year but the company’s share price has only fallen by 20% per year, which means it has not declined as severely as earnings.Upcoming Dividend • Sep 13Upcoming dividend of US$0.08 per shareEligible shareholders must have bought the stock before 20 September 2024. Payment date: 30 September 2024. Payout ratio is a comfortable 75% but the company is paying out more than the cash it is generating. Trailing yield: 3.0%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.6%).Declared Dividend • Aug 26Second quarter dividend of US$0.08 announcedShareholders will receive a dividend of US$0.08. Ex-date: 20th September 2024 Payment date: 30th September 2024 Dividend yield will be 6.1%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 3.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 7.2% over the next year. However, it would need to fall by 17% to increase the payout ratio to a potentially unsustainable range.お知らせ • Aug 22First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on September 30, 2024On August 15, 2024 the Board of Directors of First Guaranty Bancshares, Inc. ("First Guaranty") declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.08 per share. The dividend will be payable to shareholders of record as of September 20, 2024 and is expected to be paid on September 30, 2024.お知らせ • Jul 26First Guaranty Bancshares, Inc. Announces Charge-Offs for the Second Quarter Ended June 30, 2024First Guaranty Bancshares, Inc. announced charge-offs for the second quarter ended June 30, 2024. The company charged off $8.8 million in loan balances during the second quarter of 2024.Reported Earnings • Jul 25Second quarter 2024 earnings released: EPS: US$0.53 (vs US$0.19 in 2Q 2023)Second quarter 2024 results: EPS: US$0.53 (up from US$0.19 in 2Q 2023). Revenue: US$30.0m (up 29% from 2Q 2023). Net income: US$6.62m (up 216% from 2Q 2023). Profit margin: 22% (up from 9.0% in 2Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 38% per year but the company’s share price has only fallen by 16% per year, which means it has not declined as severely as earnings.Declared Dividend • Jun 24First quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 25th June 2024 Payment date: 28th June 2024 Dividend yield will be 7.4%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 3.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 44% to bring the payout ratio under control. However, EPS has declined by 19% over the last 5 years so the company would need to reverse this trend.お知らせ • Jun 15First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on June 28, 2024On June 14, 2024 the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend on First Guaranty’s outstanding shares of common stock of $0.16 per share. The dividend will be payable to shareholders of record as of June 25, 2024 and is expected to be paid on June 28, 2024.お知らせ • May 31First Guaranty Bancshares, Inc. and First Guaranty Bank Announces Chief Executive Officer ChangesFirst Guaranty Bancshares, Inc. announced that Alton Lewis will retire from his role as Chief Executive Officer of First Guaranty Bancshares, Inc. and First Guaranty Bank in May, 2024, after a dynamic and successful tenure. Mr. Lewis has been a part of the First Guaranty family for over three decades. He began his service as Board member in 1988 and became President and CEO in 2009. Under his leadership, First Guaranty grew from a $931 million institution to what it is now, $3.6 billion. Mr. Lewis was also instrumental in coordinating the IPO of the First Guaranty stock, in 2015. Additional notable achievements are that he successfully led his team through the COVID pandemic, maintaining consistent operations of all bank functions. These achievements, plus his focus on developing future leaders, position First Guaranty for continued success. Mr. Lewis will continue to be a presence at First Guaranty as he will continue to serve as Vice Chairman of the Holding Company and Bank Board of Directors. Michael Mineer will become the First Guaranty Bancshares, Inc. and First Guaranty Bank next CEO. Mr. Mineer is already part of the First Guaranty family as the Mideast Area President and brings over 35 years of banking experience to his new role.お知らせ • May 30First Guaranty Bancshares, Inc. and First Guaranty Bank Announces President ChangesFirst Guaranty Bancshares, Inc. announced that Alton Lewis will retire from his role as President of First Guaranty Bancshares, Inc. and First Guaranty Bank in May, 2024, after a dynamic and successful tenure. Mr. Lewis has been a part of the First Guaranty family for over three decades. He began his service as Board member in 1988 and became President and CEO in 2009. Under his leadership, First Guaranty grew from a $931 million institution to what it is now, $3.6 billion. Mr. Lewis was also instrumental in coordinating the IPO of the First Guaranty stock, in 2015. Additional notable achievements are that he successfully led his team through the COVID pandemic, maintaining consistent operations of all bank functions. These achievements, plus his focus on developing future leaders, position First Guaranty for continued success. Mr. Lewis will continue to be a presence at First Guaranty as he will continue to serve as Vice Chairman of the Holding Company and Bank Board of Directors. Michael Mineer will become the First Guaranty Bancshares, Inc. and First Guaranty Bank next President. Mr. Mineer is already part of the First Guaranty family as the Mideast Area President and brings over 35 years of banking experience to his new role.New Risk • May 30New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Dividend is not well covered by earnings (130% payout ratio). Share price has been volatile over the past 3 months (7.3% average weekly change). Profit margins are more than 30% lower than last year (6.5% net profit margin). Shareholders have been diluted in the past year (17% increase in shares outstanding).Reported Earnings • Apr 30First quarter 2024 earnings released: EPS: US$0.14 (vs US$0.27 in 1Q 2023)First quarter 2024 results: EPS: US$0.14 (down from US$0.27 in 1Q 2023). Revenue: US$21.9m (down 11% from 1Q 2023). Net income: US$1.73m (down 40% from 1Q 2023). Profit margin: 7.9% (down from 12% in 1Q 2023). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 29% per year but the company’s share price has only fallen by 13% per year, which means it has not declined as severely as earnings.お知らせ • Apr 13First Guaranty Bancshares, Inc., Annual General Meeting, May 16, 2024First Guaranty Bancshares, Inc., Annual General Meeting, May 16, 2024, at 14:00 Central Standard Time. Location: FGB Center, 206 South Orange Street, Hammond Louisiana United States Agenda: To elect the Board of Directors to serve until the next Annual Meeting of Shareholders and until their successors are duly elected and qualified; to approve an advisory, non-binding resolution regarding our executive compensation as described in this Proxy Statement; to ratify the appointment of Griffith, DeLaney, Hillman & Lett, CPAs, PSC as First Guaranty's independent registered public accounting firm for the year ending December 31, 2024; and to transact such other business as may properly come before the Meeting or any adjournment or postponement thereof.Reported Earnings • Mar 19Full year 2023 earnings released: EPS: US$0.62 (vs US$2.48 in FY 2022)Full year 2023 results: EPS: US$0.62 (down from US$2.48 in FY 2022). Revenue: US$91.6m (down 15% from FY 2022). Net income: US$6.89m (down 74% from FY 2022). Profit margin: 7.5% (down from 25% in FY 2022). The decrease in margin was primarily driven by lower revenue. Net interest margin (NIM): 2.69% (down from 3.47% in FY 2022). Cost-to-income ratio: 82.9% (up from 63.3% in FY 2022). Non-performing loans: 1.47% (up from 0.58% in FY 2022). Revenue is forecast to grow 13% p.a. on average during the next 2 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 16% per year whereas the company’s share price has fallen by 11% per year.Upcoming Dividend • Mar 14Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 21 March 2024. Payment date: 29 March 2024. Trailing yield: 5.8%. Within top quartile of German dividend payers (5.0%). Lower than average of industry peers (6.7%).Declared Dividend • Feb 26Fourth quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 21st March 2024 Payment date: 29th March 2024 Dividend yield will be 6.5%, which is higher than the industry average of 4.8%. Sustainability & Growth Dividend is not covered by earnings (104% earnings payout ratio). However, the dividend is expected to be covered in 3 years' time (67% forecast payout ratio). The dividend has increased by an average of 3.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 15% to bring the payout ratio under control. EPS is expected to grow by 50% over the next 2 years, which is sufficient to bring the dividend into a sustainable range.Reported Earnings • Feb 07Full year 2023 earnings released: EPS: US$0.62 (vs US$2.48 in FY 2022)Full year 2023 results: EPS: US$0.62 (down from US$2.48 in FY 2022). Revenue: US$91.6m (down 15% from FY 2022). Net income: US$6.89m (down 74% from FY 2022). Profit margin: 7.5% (down from 25% in FY 2022). The decrease in margin was primarily driven by lower revenue. Net interest margin (NIM): 2.69% (down from 3.47% in FY 2022). Non-performing loans: 1.47% (up from 0.58% in FY 2022). Revenue is forecast to grow 12% p.a. on average during the next 2 years, compared to a 2.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.Valuation Update With 7 Day Price Move • Dec 19Investor sentiment improves as stock rises 17%After last week's 17% share price gain to €10.00, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 7x in the Banks industry in Europe. Total loss to shareholders of 18% over the past three years.Upcoming Dividend • Dec 14Upcoming dividend of US$0.16 per share at 6.0% yieldEligible shareholders must have bought the stock before 21 December 2023. Payment date: 29 December 2023. Payout ratio is a comfortable 65% but the company is paying out more than the cash it is generating. Trailing yield: 6.0%. Within top quartile of German dividend payers (5.2%). In line with average of industry peers (6.3%).お知らせ • Nov 22First Guaranty Bancshares, Inc. Declares a Quarterly Cash Dividend, Payable on December 29, 2023On November 16, 2023 the Board of Directors of First Guaranty Bancshares, Inc. ("First Guaranty") declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.16 per share. The dividend will be payable to shareholders of record as of December 22, 2023 and is expected to be paid on December 29, 2023. This is the 122nd consecutive quarterly dividend paid to common shareholders.Reported Earnings • Oct 29Third quarter 2023 earnings released: EPS: US$0.10 (vs US$0.70 in 3Q 2022)Third quarter 2023 results: EPS: US$0.10 (down from US$0.70 in 3Q 2022). Revenue: US$22.3m (down 20% from 3Q 2022). Net income: US$1.19m (down 84% from 3Q 2022). Profit margin: 5.3% (down from 27% in 3Q 2022). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 6.1% p.a. on average during the next 3 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 3% per year whereas the company’s share price has fallen by 6% per year.Upcoming Dividend • Sep 14Upcoming dividend of US$0.16 per share at 5.7% yieldEligible shareholders must have bought the stock before 21 September 2023. Payment date: 29 September 2023. Payout ratio is a comfortable 41% and this is well supported by cash flows. Trailing yield: 5.7%. Within top quartile of German dividend payers (4.9%). In line with average of industry peers (6.2%).お知らせ • Aug 22First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on September 29, 2023On August 17, 2023, the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.16 per share. The dividend will be payable to shareholders of record as of September 22, 2023 and is expected to be paid on September 29, 2023.New Risk • Aug 09New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 17% Last year net profit margin: 27% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (9.5% average weekly change). Earnings are forecast to decline by an average of 11% per year for the foreseeable future. Minor Risks Profit margins are more than 30% lower than last year (17% net profit margin). Shareholders have been diluted in the past year (6.7% increase in shares outstanding).Reported Earnings • Aug 09Second quarter 2023 earnings released: EPS: US$0.19 (vs US$0.70 in 2Q 2022)Second quarter 2023 results: EPS: US$0.19 (down from US$0.70 in 2Q 2022). Revenue: US$23.2m (down 18% from 2Q 2022). Net income: US$2.09m (down 72% from 2Q 2022). Profit margin: 9.0% (down from 27% in 2Q 2022). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 5.0% p.a. on average during the next 2 years, compared to a 3.7% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 8% per year whereas the company’s share price has increased by 3% per year.New Risk • Jun 29New major risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 10% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 17% per year for the foreseeable future. Minor Risks Share price has been volatile over the past 3 months (10% average weekly change). Shareholders have been diluted in the past year (6.7% increase in shares outstanding).Valuation Update With 7 Day Price Move • Jun 28Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €9.65, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 9.2% over the past three years.お知らせ • Jun 25+ 3 more updatesFirst Guaranty Bancshares, Inc.(NasdaqGM:FGBI) dropped from Russell Small Cap Comp Growth IndexFirst Guaranty Bancshares, Inc.(NasdaqGM:FGBI) dropped from Russell Small Cap Comp Growth IndexUpcoming Dividend • Jun 15Upcoming dividend of US$0.16 per share at 4.9% yieldEligible shareholders must have bought the stock before 22 June 2023. Payment date: 30 June 2023. Payout ratio is a comfortable 31% and this is well supported by cash flows. Trailing yield: 4.9%. Within top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.2%).Valuation Update With 7 Day Price Move • Jun 09Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €12.50, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 46% over the past three years.お知らせ • May 25First Guaranty Bancshares, Inc. announced that it has received $10.000004 million in fundingFirst Guaranty Bancshares, Inc. announced that it has issued 714,286 common shares at a price of $14 per share for the gross proceeds of $10,000,004 on May 23, 2023. The transaction included participation from accredited investors and board of directors of the company. The transaction has been approved by the board of directors of the company. The company will issue securities pursuant to exemption provided under Regulation D.お知らせ • May 23First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on June 30, 2023On May 18, 2023, the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.16 per share. The dividend will be payable to shareholders of record as of June 23, 2023 and is expected to be paid on June 30, 2023. This is the 120th consecutive quarterly dividend paid to common shareholders.Valuation Update With 7 Day Price Move • Apr 05Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to €12.20, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 22% over the past three years.Reported Earnings • Mar 18Full year 2022 earnings released: EPS: US$2.48 (vs US$2.42 in FY 2021)Full year 2022 results: EPS: US$2.48 (up from US$2.42 in FY 2021). Revenue: US$107.4m (up 9.2% from FY 2021). Net income: US$26.6m (up 2.5% from FY 2021). Profit margin: 25% (down from 26% in FY 2021). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.47% (up from 3.44% in FY 2021). Cost-to-income ratio: 63.3% (no change from 63.3% in FY 2021). Non-performing loans: 0.58% (down from 0.83% in FY 2021). Revenue is forecast to grow 7.3% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Mar 16Upcoming dividend of US$0.16 per share at 4.1% yieldEligible shareholders must have bought the stock before 23 March 2023. Payment date: 31 March 2023. Trailing yield: 4.1%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (5.9%).Valuation Update With 7 Day Price Move • Mar 14Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €15.60, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 48% over the past three years.お知らせ • Feb 18First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on March 31, 2023On February 16, 2023, the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.16 per share. The dividend will be payable to shareholders of record as of March 24, 2023 and is expected to be paid on March 31, 2023. This is the 119th consecutive quarterly dividend paid to common shareholders.Reported Earnings • Feb 02Full year 2022 earnings released: EPS: US$2.48 (vs US$2.42 in FY 2021)Full year 2022 results: EPS: US$2.48 (up from US$2.42 in FY 2021). Revenue: US$107.4m (up 9.2% from FY 2021). Net income: US$26.6m (up 2.5% from FY 2021). Profit margin: 25% (down from 26% in FY 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 9.2% p.a. on average during the next 2 years, compared to a 5.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Dec 15Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 22 December 2022. Payment date: 30 December 2022. Payout ratio is a comfortable 23% and this is well supported by cash flows. Trailing yield: 2.7%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.1%).Recent Insider Transactions • Nov 16Independent Chairman of the Board recently sold €182k worth of stockOn the 14th of November, Marshall Reynolds sold around 8k shares on-market at roughly €23.20 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Marshall has been a net seller over the last 12 months, reducing personal holdings by €351k.Board Change • Oct 31High number of new directorsDirector Vanessa Drew was the last director to join the board, commencing their role in 2022.Reported Earnings • Oct 29Third quarter 2022 earnings released: EPS: US$0.70 (vs US$0.67 in 3Q 2021)Third quarter 2022 results: EPS: US$0.70 (up from US$0.67 in 3Q 2021). Revenue: US$28.0m (up 9.3% from 3Q 2021). Net income: US$7.47m (up 3.6% from 3Q 2021). Profit margin: 27% (down from 28% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.8% p.a. on average during the next 3 years, compared to a 5.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 13% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Sep 15Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 22 September 2022. Payment date: 30 September 2022. Payout ratio is a comfortable 23% and this is well supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.3%).Reported Earnings • Jul 29Second quarter 2022 earnings released: EPS: US$0.70 (vs US$0.58 in 2Q 2021)Second quarter 2022 results: EPS: US$0.70 (up from US$0.58 in 2Q 2021). Revenue: US$28.1m (up 16% from 2Q 2021). Net income: US$7.54m (up 21% from 2Q 2021). Profit margin: 27% (up from 26% in 2Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 20%, compared to a 20% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 29% per year but the company’s share price has only increased by 16% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Jun 16Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 23 June 2022. Payment date: 30 June 2022. Payout ratio is a comfortable 23% and this is well supported by cash flows. Trailing yield: 2.5%. Lower than top quartile of German dividend payers (4.5%). Lower than average of industry peers (6.7%).Reported Earnings • Apr 29First quarter 2022 earnings released: EPS: US$0.65 (vs US$0.47 in 1Q 2021)First quarter 2022 results: EPS: US$0.65 (up from US$0.47 in 1Q 2021). Revenue: US$26.3m (up 23% from 1Q 2021). Net income: US$7.00m (up 39% from 1Q 2021). Profit margin: 27% (up from 24% in 1Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 22%, compared to a 8.5% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 6 highly experienced directors. Independent Director Jack Rossi was the last director to join the board, commencing their role in 2018. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.Reported Earnings • Mar 18Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$2.42. Revenue: US$98.3m (up 18% from FY 2020). Net income: US$25.9m (up 28% from FY 2020). Profit margin: 26% (up from 24% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.44% (up from 3.36% in FY 2020). Cost-to-income ratio: 63.3% (down from 68.4% in FY 2020). Non-performing loans: 0.83% (down from 1.55% in FY 2020). Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 14%, compared to a 8.9% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Mar 11Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 18 March 2022. Payment date: 31 March 2022. Payout ratio is a comfortable 25% but the company is not cash flow positive. Trailing yield: 2.7%. Lower than top quartile of German dividend payers (3.5%). Lower than average of industry peers (6.2%).Reported Earnings • Jan 28Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: EPS: US$2.42 (up from US$1.90 in FY 2020). Revenue: US$98.3m (up 18% from FY 2020). Net income: US$25.9m (up 28% from FY 2020). Profit margin: 26% (up from 24% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.6%. Over the next year, revenue is forecast to grow 13%, compared to a 11% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Dec 15Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 22 December 2021. Payment date: 31 December 2021. Payout ratio is a comfortable 25% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of German dividend payers (3.4%). Lower than average of industry peers (3.4%).Reported Earnings • Oct 27Third quarter 2021 earnings released: EPS US$0.74 (vs US$0.53 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$25.6m (up 22% from 3Q 2020). Net income: US$7.21m (up 39% from 3Q 2020). Profit margin: 28% (up from 25% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Upcoming Dividend • Sep 10Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 17 September 2021. Payment date: 30 September 2021. Trailing yield: 3.3%. Within top quartile of German dividend payers (3.2%). In line with average of industry peers (3.3%).Reported Earnings • Aug 03Second quarter 2021 earnings released: EPS US$0.64 (vs US$0.53 in 2Q 2020)The company reported a solid second quarter result with improved earnings and revenues, although profit margins were flat. Second quarter 2021 results: Revenue: US$24.1m (up 19% from 2Q 2020). Net income: US$6.21m (up 20% from 2Q 2020). Profit margin: 26% (in line with 2Q 2020). Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.Recent Insider Transactions • Jun 17Independent Director recently bought €66k worth of stockOn the 9th of June, Edgar Smith bought around 4k shares on-market at roughly €15.88 per share. In the last 3 months, there was an even bigger purchase from another insider worth €68k. Insiders have collectively bought €288k more in shares than they have sold in the last 12 months.Upcoming Dividend • Jun 12Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 18 June 2021. Payment date: 30 June 2021. Trailing yield: 3.3%. Within top quartile of German dividend payers (3.2%). Higher than average of industry peers (2.7%).Recent Insider Transactions • Jun 04Independent Director recently bought €58k worth of stockOn the 26th of May, William Hood bought around 4k shares on-market at roughly €15.84 per share. In the last 3 months, they made an even bigger purchase worth €68k. Insiders have collectively bought €296k more in shares than they have sold in the last 12 months.Recent Insider Transactions • May 29Independent Director recently bought €68k worth of stockOn the 25th of May, William Hood bought around 4k shares on-market at roughly €15.81 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €242k more in shares than they have sold in the last 12 months.Reported Earnings • May 15First quarter 2021 earnings released: EPS US$0.52 (vs US$0.39 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$21.3m (up 12% from 1Q 2020). Net income: US$5.02m (up 31% from 1Q 2020). Profit margin: 24% (up from 20% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.Reported Earnings • Apr 28First quarter 2021 earnings released: EPS US$0.52 (vs US$0.39 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$21.3m (up 12% from 1Q 2020). Net income: US$5.02m (up 31% from 1Q 2020). Profit margin: 24% (up from 20% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.Reported Earnings • Mar 18Full year 2020 earnings released: EPS US$2.09 (vs US$1.47 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: US$83.6m (up 28% from FY 2019). Net income: US$20.3m (up 43% from FY 2019). Profit margin: 24% (up from 22% in FY 2019). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.36% (down from 3.42% in FY 2019). Cost-to-income ratio: 68.4% (up from 66.8% in FY 2019). Non-performing loans: 1.55% (up from 1.11% in FY 2019). Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Is New 90 Day High Low • Mar 12New 90-day high: €16.30The company is up 16% from its price of €14.10 on 11 December 2020. The German market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 14% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €28.49 per share.Upcoming Dividend • Mar 12Upcoming Dividend of US$0.16 Per ShareWill be paid on the 31st of March to those who are registered shareholders by the 19th of March. The trailing yield of 3.3% is below the top quartile of German dividend payers (3.3%), and is lower than industry peers (4.0%).Valuation Update With 7 Day Price Move • Mar 12Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$16.30, the stock is trading at a trailing P/E ratio of 9.4x, up from the previous P/E ratio of 8.1x. This compares to an average P/E of 13x in the Banks industry in Europe. Total return to shareholders over the past three years is a loss of 5.2%.Reported Earnings • Feb 07Full year 2020 earnings released: EPS US$2.09 (vs US$1.47 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: US$83.6m (up 28% from FY 2019). Net income: US$20.3m (up 43% from FY 2019). Profit margin: 24% (up from 22% in FY 2019). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.36% (down from 3.42% in FY 2019). Non-performing loans: 1.55% (up from 1.11% in FY 2019). Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.Is New 90 Day High Low • Dec 22New 90-day high: €16.00The company is up 62% from its price of €9.90 on 23 September 2020. The German market is up 6.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 19% over the same period.Reported Earnings • Nov 11Third quarter 2020 earnings released: EPS US$0.53The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2020 results: Revenue: US$21.0m (up 30% from 3Q 2019). Net income: US$5.18m (up 35% from 3Q 2019). Profit margin: 25% (up from 24% in 3Q 2019). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.Valuation Update With 7 Day Price Move • Nov 11Market bids up stock over the past weekAfter last week's 25% share price gain to US$14.70, the stock is trading at a trailing P/E ratio of 9.2x, up from the previous P/E ratio of 7.4x. This compares to an average P/E of 10x in the Banks industry in Europe. Total return to shareholders over the past three years is a loss of 8.6%.Is New 90 Day High Low • Nov 07New 90-day high: €13.00The company is up 27% from its price of €10.20 on 07 August 2020. The German market is down 1.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is down 8.0% over the same period.Reported Earnings • Nov 04Third quarter 2020 earnings released: EPS US$0.53The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2020 results: Revenue: US$21.0m (up 30% from 3Q 2019). Net income: US$5.18m (up 35% from 3Q 2019). Profit margin: 25% (up from 24% in 3Q 2019). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has fallen by 14% per year, which means it is significantly lagging earnings.株主還元1GJDE BanksDE 市場7D1.2%4.5%0.6%1Y36.0%45.6%3.8%株主還元を見る業界別リターン: 1GJ過去 1 年間で45.6 % の収益を上げたGerman Banks業界を下回りました。リターン対市場: 1GJ過去 1 年間で3.8 % の収益を上げたGerman市場を上回りました。価格変動Is 1GJ's price volatile compared to industry and market?1GJ volatility1GJ Average Weekly Movement7.2%Banks Industry Average Movement3.9%Market Average Movement5.9%10% most volatile stocks in DE Market13.2%10% least volatile stocks in DE Market2.8%安定した株価: 1GJ 、 German市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: 1GJの 週次ボラティリティ ( 7% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト1934336Mike Mineerwww.fgb.netは、ルイジアナ州とテキサス州で商業銀行サービスを提供するファースト・ギャランティ・バンクの持株会社として運営されている。個人・法人向け当座預金、貯蓄預金、マネーマーケット口座、要求払い預金、定期預金など様々な預金商品を消費者、中小企業、自治体に提供している。不動産担保付非農業・非住宅ローン、商業・工業用ローン、1～4世帯住宅ローン、集合住宅ローン、建設・土地開発ローン、農業用ローン、農地ローン、消費者ローンなどのローンを中小企業や専門家、個人に提供している。さらに、クレジットカード、モバイル・デポジット・キャプチャー、貸金庫、公式小切手、オンライン・バンキング、モバイル・バンキング、現金自動預け払い機、オンライン請求書支払いなどの消費者向けサービスを提供し、法人顧客にはマーチャント・サービス、リモート・デポジット・キャプチャー、ロックボックス・サービスなどの付加的ソリューションを提供し、資産の一部を米国政府およびその機関が発行する証券、州債、地方債、企業債、投資信託、株式証券に投資するとともに、主に米国政府機関または企業が発行または保証する住宅ローン担保証券に投資している。同社は1934年に設立され、ルイジアナ州ハモンドに本社を置いている。もっと見るFirst Guaranty Bancshares, Inc. 基礎のまとめFirst Guaranty Bancshares の収益と売上を時価総額と比較するとどうか。1GJ 基礎統計学時価総額€141.41m収益（TTM）-€43.02m売上高(TTM)€20.81m0.9xPBR（株価純資産倍率7.0xP/Sレシオ1GJ は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計1GJ 損益計算書（TTM）収益US$23.92m売上原価US$0売上総利益US$23.92mその他の費用US$73.36m収益-US$49.44m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）-3.08グロス・マージン100.00%純利益率-206.68%有利子負債／自己資本比率83.1%1GJ の長期的なパフォーマンスは？過去の実績と比較を見る配当金0.4%現在の配当利回り-1%配当性向1GJ 配当は確実ですか？1GJ 配当履歴とベンチマークを見る1GJ 、いつまでに購入すれば配当金を受け取れますか？First Guaranty Bancshares 配当日配当落ち日Jun 26 2026配当支払日Jun 30 2026配当落ちまでの日数5 days配当支払日までの日数9 days1GJ 配当は確実ですか？1GJ 配当履歴とベンチマークを見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/06/17 14:11終値2026/06/17 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社の Github ページ でご覧いただけます。また、レポートの使い方に関する ガイド や YouTube の チュートリアル もご用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋First Guaranty Bancshares, Inc. 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。1 アナリスト機関Casey Orr WhitmanPiper Sandler Companies
Declared Dividend • Jun 15First quarter dividend of US$0.01 announcedShareholders will receive a dividend of US$0.01. Ex-date: 26th June 2026 Payment date: 30th June 2026 Dividend yield will be 0.4%, which is lower than the industry average of 4.8%.
お知らせ • Apr 22First Guaranty Bancshares, Inc., Annual General Meeting, May 21, 2026First Guaranty Bancshares, Inc., Annual General Meeting, May 21, 2026. Location: fgb center, 206 south orange street, louisiana, hammond, United States
お知らせ • Apr 08First Guaranty Bancshares, Inc. announced that it has received $1.28293 million in fundingOn April 7, 2026, First Guaranty Bancshares, Inc. closed the transaction.
お知らせ • Jan 29First Guaranty Bancshares, Inc. Reports Charge-Offs for the Fourth Quarter Ended December 31, 2025First Guaranty Bancshares, Inc. reported charge-offs for the fourth quarter ended December 31, 2025. The company reported Charge-offs were $47.8 million for the fourth quarter of 2025 and $4.9 million for the same period in 2024.
お知らせ • Jan 15First Guaranty Bancshares, Inc. announced that it has received $2.378624 million in fundingOn January 14, 2026, the First Guaranty Bancshares, Inc closed the transaction.
お知らせ • Nov 11First Guaranty Bancshares, Inc. announced delayed 10-Q filingOn 11/10/2025, First Guaranty Bancshares, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.
Declared Dividend • Jun 15First quarter dividend of US$0.01 announcedShareholders will receive a dividend of US$0.01. Ex-date: 26th June 2026 Payment date: 30th June 2026 Dividend yield will be 0.4%, which is lower than the industry average of 4.8%.
お知らせ • Apr 22First Guaranty Bancshares, Inc., Annual General Meeting, May 21, 2026First Guaranty Bancshares, Inc., Annual General Meeting, May 21, 2026. Location: fgb center, 206 south orange street, louisiana, hammond, United States
お知らせ • Apr 08First Guaranty Bancshares, Inc. announced that it has received $1.28293 million in fundingOn April 7, 2026, First Guaranty Bancshares, Inc. closed the transaction.
お知らせ • Jan 29First Guaranty Bancshares, Inc. Reports Charge-Offs for the Fourth Quarter Ended December 31, 2025First Guaranty Bancshares, Inc. reported charge-offs for the fourth quarter ended December 31, 2025. The company reported Charge-offs were $47.8 million for the fourth quarter of 2025 and $4.9 million for the same period in 2024.
お知らせ • Jan 15First Guaranty Bancshares, Inc. announced that it has received $2.378624 million in fundingOn January 14, 2026, the First Guaranty Bancshares, Inc closed the transaction.
お知らせ • Nov 11First Guaranty Bancshares, Inc. announced delayed 10-Q filingOn 11/10/2025, First Guaranty Bancshares, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.
お知らせ • Aug 12First Guaranty Bancshares, Inc. announced delayed 10-Q filingOn 08/11/2025, First Guaranty Bancshares, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.
お知らせ • Aug 01First Guaranty Bancshares, Inc. Reports Charge-Offs Results for the Second Quarter Ended June 30, 2025First Guaranty Bancshares, Inc. reported charge-offs results for the second quarter ended June 30, 2025. For the quarter, the company reported charge-offs were $1.1 million against $8.8 million during the same period in 2024.
お知らせ • May 23First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on June 30, 2025On May 15, 2025 the Board of Directors of First Guaranty Bancshares, Inc. ("First Guaranty") declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.01 per share. The dividend will be payable to shareholders of record as of June 23, 2025 and is expected to be paid on June 30, 2025. This is the 128th consecutive quarterly dividend paid to common shareholders.
お知らせ • Apr 21First Guaranty Bancshares, Inc., Annual General Meeting, May 15, 2025First Guaranty Bancshares, Inc., Annual General Meeting, May 15, 2025. Location: the fgb center, 206 south orange street, louisiana, hammond United States
お知らせ • Jan 31First Guaranty Bancshares, Inc. Announces Charge-Offs for the Fourth Quarter of 2024First Guaranty Bancshares, Inc. announced charge-offs for the fourth quarter of 2024. The company charged off charged off $4.9 million in loan balances during the fourth quarter of 2024.
お知らせ • Dec 27First Guaranty Bancshares, Inc. Elects Bruce Mcanally to the Board of DirectorsFirst Guaranty Bancshares, Inc. elected Mr. Bruce McAnally to the Board of Directors for First Guaranty on December 19, 2024. Mr. McAnally has not been appointed to serve on any committees and there is no expectation that he will be appointed to any particular committee at this time. Mr. McAnally is not a party to any transaction with First Guaranty or First Guaranty Bank that would require disclosure under Item 404(a) of Securities and Exchange Commission Regulation S-K. Mr. McAnally joined the Bank's Board of Directors in June 2017 with the acquisition of Synergy Bank where he served as Chairman of the Board. Mr. McAnally is a registered pharmacist and independent pharmacy owner residing in Austin, TX. He currently serves as founder and director of RxPreferred Benefits in Nashville, TN and as director of Best Value Pharmacies in Ft. Worth, TX; and was a founder of Paragon Healthcare in Dallas, TX.
Reported Earnings • Nov 01Third quarter 2024 earnings released: EPS: US$0.11 (vs US$0.10 in 3Q 2023)Third quarter 2024 results: EPS: US$0.11 (up from US$0.10 in 3Q 2023). Revenue: US$22.2m (flat on 3Q 2023). Net income: US$1.35m (up 13% from 3Q 2023). Profit margin: 6.1% (up from 5.3% in 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 45% per year but the company’s share price has only fallen by 20% per year, which means it has not declined as severely as earnings.
Upcoming Dividend • Sep 13Upcoming dividend of US$0.08 per shareEligible shareholders must have bought the stock before 20 September 2024. Payment date: 30 September 2024. Payout ratio is a comfortable 75% but the company is paying out more than the cash it is generating. Trailing yield: 3.0%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.6%).
Declared Dividend • Aug 26Second quarter dividend of US$0.08 announcedShareholders will receive a dividend of US$0.08. Ex-date: 20th September 2024 Payment date: 30th September 2024 Dividend yield will be 6.1%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 3.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 7.2% over the next year. However, it would need to fall by 17% to increase the payout ratio to a potentially unsustainable range.
お知らせ • Aug 22First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on September 30, 2024On August 15, 2024 the Board of Directors of First Guaranty Bancshares, Inc. ("First Guaranty") declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.08 per share. The dividend will be payable to shareholders of record as of September 20, 2024 and is expected to be paid on September 30, 2024.
お知らせ • Jul 26First Guaranty Bancshares, Inc. Announces Charge-Offs for the Second Quarter Ended June 30, 2024First Guaranty Bancshares, Inc. announced charge-offs for the second quarter ended June 30, 2024. The company charged off $8.8 million in loan balances during the second quarter of 2024.
Reported Earnings • Jul 25Second quarter 2024 earnings released: EPS: US$0.53 (vs US$0.19 in 2Q 2023)Second quarter 2024 results: EPS: US$0.53 (up from US$0.19 in 2Q 2023). Revenue: US$30.0m (up 29% from 2Q 2023). Net income: US$6.62m (up 216% from 2Q 2023). Profit margin: 22% (up from 9.0% in 2Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 38% per year but the company’s share price has only fallen by 16% per year, which means it has not declined as severely as earnings.
Declared Dividend • Jun 24First quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 25th June 2024 Payment date: 28th June 2024 Dividend yield will be 7.4%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 3.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 44% to bring the payout ratio under control. However, EPS has declined by 19% over the last 5 years so the company would need to reverse this trend.
お知らせ • Jun 15First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on June 28, 2024On June 14, 2024 the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend on First Guaranty’s outstanding shares of common stock of $0.16 per share. The dividend will be payable to shareholders of record as of June 25, 2024 and is expected to be paid on June 28, 2024.
お知らせ • May 31First Guaranty Bancshares, Inc. and First Guaranty Bank Announces Chief Executive Officer ChangesFirst Guaranty Bancshares, Inc. announced that Alton Lewis will retire from his role as Chief Executive Officer of First Guaranty Bancshares, Inc. and First Guaranty Bank in May, 2024, after a dynamic and successful tenure. Mr. Lewis has been a part of the First Guaranty family for over three decades. He began his service as Board member in 1988 and became President and CEO in 2009. Under his leadership, First Guaranty grew from a $931 million institution to what it is now, $3.6 billion. Mr. Lewis was also instrumental in coordinating the IPO of the First Guaranty stock, in 2015. Additional notable achievements are that he successfully led his team through the COVID pandemic, maintaining consistent operations of all bank functions. These achievements, plus his focus on developing future leaders, position First Guaranty for continued success. Mr. Lewis will continue to be a presence at First Guaranty as he will continue to serve as Vice Chairman of the Holding Company and Bank Board of Directors. Michael Mineer will become the First Guaranty Bancshares, Inc. and First Guaranty Bank next CEO. Mr. Mineer is already part of the First Guaranty family as the Mideast Area President and brings over 35 years of banking experience to his new role.
お知らせ • May 30First Guaranty Bancshares, Inc. and First Guaranty Bank Announces President ChangesFirst Guaranty Bancshares, Inc. announced that Alton Lewis will retire from his role as President of First Guaranty Bancshares, Inc. and First Guaranty Bank in May, 2024, after a dynamic and successful tenure. Mr. Lewis has been a part of the First Guaranty family for over three decades. He began his service as Board member in 1988 and became President and CEO in 2009. Under his leadership, First Guaranty grew from a $931 million institution to what it is now, $3.6 billion. Mr. Lewis was also instrumental in coordinating the IPO of the First Guaranty stock, in 2015. Additional notable achievements are that he successfully led his team through the COVID pandemic, maintaining consistent operations of all bank functions. These achievements, plus his focus on developing future leaders, position First Guaranty for continued success. Mr. Lewis will continue to be a presence at First Guaranty as he will continue to serve as Vice Chairman of the Holding Company and Bank Board of Directors. Michael Mineer will become the First Guaranty Bancshares, Inc. and First Guaranty Bank next President. Mr. Mineer is already part of the First Guaranty family as the Mideast Area President and brings over 35 years of banking experience to his new role.
New Risk • May 30New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Dividend is not well covered by earnings (130% payout ratio). Share price has been volatile over the past 3 months (7.3% average weekly change). Profit margins are more than 30% lower than last year (6.5% net profit margin). Shareholders have been diluted in the past year (17% increase in shares outstanding).
Reported Earnings • Apr 30First quarter 2024 earnings released: EPS: US$0.14 (vs US$0.27 in 1Q 2023)First quarter 2024 results: EPS: US$0.14 (down from US$0.27 in 1Q 2023). Revenue: US$21.9m (down 11% from 1Q 2023). Net income: US$1.73m (down 40% from 1Q 2023). Profit margin: 7.9% (down from 12% in 1Q 2023). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 29% per year but the company’s share price has only fallen by 13% per year, which means it has not declined as severely as earnings.
お知らせ • Apr 13First Guaranty Bancshares, Inc., Annual General Meeting, May 16, 2024First Guaranty Bancshares, Inc., Annual General Meeting, May 16, 2024, at 14:00 Central Standard Time. Location: FGB Center, 206 South Orange Street, Hammond Louisiana United States Agenda: To elect the Board of Directors to serve until the next Annual Meeting of Shareholders and until their successors are duly elected and qualified; to approve an advisory, non-binding resolution regarding our executive compensation as described in this Proxy Statement; to ratify the appointment of Griffith, DeLaney, Hillman & Lett, CPAs, PSC as First Guaranty's independent registered public accounting firm for the year ending December 31, 2024; and to transact such other business as may properly come before the Meeting or any adjournment or postponement thereof.
Reported Earnings • Mar 19Full year 2023 earnings released: EPS: US$0.62 (vs US$2.48 in FY 2022)Full year 2023 results: EPS: US$0.62 (down from US$2.48 in FY 2022). Revenue: US$91.6m (down 15% from FY 2022). Net income: US$6.89m (down 74% from FY 2022). Profit margin: 7.5% (down from 25% in FY 2022). The decrease in margin was primarily driven by lower revenue. Net interest margin (NIM): 2.69% (down from 3.47% in FY 2022). Cost-to-income ratio: 82.9% (up from 63.3% in FY 2022). Non-performing loans: 1.47% (up from 0.58% in FY 2022). Revenue is forecast to grow 13% p.a. on average during the next 2 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 16% per year whereas the company’s share price has fallen by 11% per year.
Upcoming Dividend • Mar 14Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 21 March 2024. Payment date: 29 March 2024. Trailing yield: 5.8%. Within top quartile of German dividend payers (5.0%). Lower than average of industry peers (6.7%).
Declared Dividend • Feb 26Fourth quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 21st March 2024 Payment date: 29th March 2024 Dividend yield will be 6.5%, which is higher than the industry average of 4.8%. Sustainability & Growth Dividend is not covered by earnings (104% earnings payout ratio). However, the dividend is expected to be covered in 3 years' time (67% forecast payout ratio). The dividend has increased by an average of 3.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 15% to bring the payout ratio under control. EPS is expected to grow by 50% over the next 2 years, which is sufficient to bring the dividend into a sustainable range.
Reported Earnings • Feb 07Full year 2023 earnings released: EPS: US$0.62 (vs US$2.48 in FY 2022)Full year 2023 results: EPS: US$0.62 (down from US$2.48 in FY 2022). Revenue: US$91.6m (down 15% from FY 2022). Net income: US$6.89m (down 74% from FY 2022). Profit margin: 7.5% (down from 25% in FY 2022). The decrease in margin was primarily driven by lower revenue. Net interest margin (NIM): 2.69% (down from 3.47% in FY 2022). Non-performing loans: 1.47% (up from 0.58% in FY 2022). Revenue is forecast to grow 12% p.a. on average during the next 2 years, compared to a 2.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.
Valuation Update With 7 Day Price Move • Dec 19Investor sentiment improves as stock rises 17%After last week's 17% share price gain to €10.00, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 7x in the Banks industry in Europe. Total loss to shareholders of 18% over the past three years.
Upcoming Dividend • Dec 14Upcoming dividend of US$0.16 per share at 6.0% yieldEligible shareholders must have bought the stock before 21 December 2023. Payment date: 29 December 2023. Payout ratio is a comfortable 65% but the company is paying out more than the cash it is generating. Trailing yield: 6.0%. Within top quartile of German dividend payers (5.2%). In line with average of industry peers (6.3%).
お知らせ • Nov 22First Guaranty Bancshares, Inc. Declares a Quarterly Cash Dividend, Payable on December 29, 2023On November 16, 2023 the Board of Directors of First Guaranty Bancshares, Inc. ("First Guaranty") declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.16 per share. The dividend will be payable to shareholders of record as of December 22, 2023 and is expected to be paid on December 29, 2023. This is the 122nd consecutive quarterly dividend paid to common shareholders.
Reported Earnings • Oct 29Third quarter 2023 earnings released: EPS: US$0.10 (vs US$0.70 in 3Q 2022)Third quarter 2023 results: EPS: US$0.10 (down from US$0.70 in 3Q 2022). Revenue: US$22.3m (down 20% from 3Q 2022). Net income: US$1.19m (down 84% from 3Q 2022). Profit margin: 5.3% (down from 27% in 3Q 2022). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 6.1% p.a. on average during the next 3 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 3% per year whereas the company’s share price has fallen by 6% per year.
Upcoming Dividend • Sep 14Upcoming dividend of US$0.16 per share at 5.7% yieldEligible shareholders must have bought the stock before 21 September 2023. Payment date: 29 September 2023. Payout ratio is a comfortable 41% and this is well supported by cash flows. Trailing yield: 5.7%. Within top quartile of German dividend payers (4.9%). In line with average of industry peers (6.2%).
お知らせ • Aug 22First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on September 29, 2023On August 17, 2023, the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.16 per share. The dividend will be payable to shareholders of record as of September 22, 2023 and is expected to be paid on September 29, 2023.
New Risk • Aug 09New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 17% Last year net profit margin: 27% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (9.5% average weekly change). Earnings are forecast to decline by an average of 11% per year for the foreseeable future. Minor Risks Profit margins are more than 30% lower than last year (17% net profit margin). Shareholders have been diluted in the past year (6.7% increase in shares outstanding).
Reported Earnings • Aug 09Second quarter 2023 earnings released: EPS: US$0.19 (vs US$0.70 in 2Q 2022)Second quarter 2023 results: EPS: US$0.19 (down from US$0.70 in 2Q 2022). Revenue: US$23.2m (down 18% from 2Q 2022). Net income: US$2.09m (down 72% from 2Q 2022). Profit margin: 9.0% (down from 27% in 2Q 2022). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 5.0% p.a. on average during the next 2 years, compared to a 3.7% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 8% per year whereas the company’s share price has increased by 3% per year.
New Risk • Jun 29New major risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 10% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 17% per year for the foreseeable future. Minor Risks Share price has been volatile over the past 3 months (10% average weekly change). Shareholders have been diluted in the past year (6.7% increase in shares outstanding).
Valuation Update With 7 Day Price Move • Jun 28Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €9.65, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 9.2% over the past three years.
お知らせ • Jun 25+ 3 more updatesFirst Guaranty Bancshares, Inc.(NasdaqGM:FGBI) dropped from Russell Small Cap Comp Growth IndexFirst Guaranty Bancshares, Inc.(NasdaqGM:FGBI) dropped from Russell Small Cap Comp Growth Index
Upcoming Dividend • Jun 15Upcoming dividend of US$0.16 per share at 4.9% yieldEligible shareholders must have bought the stock before 22 June 2023. Payment date: 30 June 2023. Payout ratio is a comfortable 31% and this is well supported by cash flows. Trailing yield: 4.9%. Within top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.2%).
Valuation Update With 7 Day Price Move • Jun 09Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €12.50, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 46% over the past three years.
お知らせ • May 25First Guaranty Bancshares, Inc. announced that it has received $10.000004 million in fundingFirst Guaranty Bancshares, Inc. announced that it has issued 714,286 common shares at a price of $14 per share for the gross proceeds of $10,000,004 on May 23, 2023. The transaction included participation from accredited investors and board of directors of the company. The transaction has been approved by the board of directors of the company. The company will issue securities pursuant to exemption provided under Regulation D.
お知らせ • May 23First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on June 30, 2023On May 18, 2023, the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.16 per share. The dividend will be payable to shareholders of record as of June 23, 2023 and is expected to be paid on June 30, 2023. This is the 120th consecutive quarterly dividend paid to common shareholders.
Valuation Update With 7 Day Price Move • Apr 05Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to €12.20, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 22% over the past three years.
Reported Earnings • Mar 18Full year 2022 earnings released: EPS: US$2.48 (vs US$2.42 in FY 2021)Full year 2022 results: EPS: US$2.48 (up from US$2.42 in FY 2021). Revenue: US$107.4m (up 9.2% from FY 2021). Net income: US$26.6m (up 2.5% from FY 2021). Profit margin: 25% (down from 26% in FY 2021). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.47% (up from 3.44% in FY 2021). Cost-to-income ratio: 63.3% (no change from 63.3% in FY 2021). Non-performing loans: 0.58% (down from 0.83% in FY 2021). Revenue is forecast to grow 7.3% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Mar 16Upcoming dividend of US$0.16 per share at 4.1% yieldEligible shareholders must have bought the stock before 23 March 2023. Payment date: 31 March 2023. Trailing yield: 4.1%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (5.9%).
Valuation Update With 7 Day Price Move • Mar 14Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €15.60, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 48% over the past three years.
お知らせ • Feb 18First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on March 31, 2023On February 16, 2023, the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend on First Guaranty's outstanding shares of common stock of $0.16 per share. The dividend will be payable to shareholders of record as of March 24, 2023 and is expected to be paid on March 31, 2023. This is the 119th consecutive quarterly dividend paid to common shareholders.
Reported Earnings • Feb 02Full year 2022 earnings released: EPS: US$2.48 (vs US$2.42 in FY 2021)Full year 2022 results: EPS: US$2.48 (up from US$2.42 in FY 2021). Revenue: US$107.4m (up 9.2% from FY 2021). Net income: US$26.6m (up 2.5% from FY 2021). Profit margin: 25% (down from 26% in FY 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 9.2% p.a. on average during the next 2 years, compared to a 5.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Dec 15Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 22 December 2022. Payment date: 30 December 2022. Payout ratio is a comfortable 23% and this is well supported by cash flows. Trailing yield: 2.7%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.1%).
Recent Insider Transactions • Nov 16Independent Chairman of the Board recently sold €182k worth of stockOn the 14th of November, Marshall Reynolds sold around 8k shares on-market at roughly €23.20 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Marshall has been a net seller over the last 12 months, reducing personal holdings by €351k.
Board Change • Oct 31High number of new directorsDirector Vanessa Drew was the last director to join the board, commencing their role in 2022.
Reported Earnings • Oct 29Third quarter 2022 earnings released: EPS: US$0.70 (vs US$0.67 in 3Q 2021)Third quarter 2022 results: EPS: US$0.70 (up from US$0.67 in 3Q 2021). Revenue: US$28.0m (up 9.3% from 3Q 2021). Net income: US$7.47m (up 3.6% from 3Q 2021). Profit margin: 27% (down from 28% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.8% p.a. on average during the next 3 years, compared to a 5.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 13% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Sep 15Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 22 September 2022. Payment date: 30 September 2022. Payout ratio is a comfortable 23% and this is well supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.3%).
Reported Earnings • Jul 29Second quarter 2022 earnings released: EPS: US$0.70 (vs US$0.58 in 2Q 2021)Second quarter 2022 results: EPS: US$0.70 (up from US$0.58 in 2Q 2021). Revenue: US$28.1m (up 16% from 2Q 2021). Net income: US$7.54m (up 21% from 2Q 2021). Profit margin: 27% (up from 26% in 2Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 20%, compared to a 20% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 29% per year but the company’s share price has only increased by 16% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Jun 16Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 23 June 2022. Payment date: 30 June 2022. Payout ratio is a comfortable 23% and this is well supported by cash flows. Trailing yield: 2.5%. Lower than top quartile of German dividend payers (4.5%). Lower than average of industry peers (6.7%).
Reported Earnings • Apr 29First quarter 2022 earnings released: EPS: US$0.65 (vs US$0.47 in 1Q 2021)First quarter 2022 results: EPS: US$0.65 (up from US$0.47 in 1Q 2021). Revenue: US$26.3m (up 23% from 1Q 2021). Net income: US$7.00m (up 39% from 1Q 2021). Profit margin: 27% (up from 24% in 1Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 22%, compared to a 8.5% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.
Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 6 highly experienced directors. Independent Director Jack Rossi was the last director to join the board, commencing their role in 2018. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
Reported Earnings • Mar 18Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$2.42. Revenue: US$98.3m (up 18% from FY 2020). Net income: US$25.9m (up 28% from FY 2020). Profit margin: 26% (up from 24% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.44% (up from 3.36% in FY 2020). Cost-to-income ratio: 63.3% (down from 68.4% in FY 2020). Non-performing loans: 0.83% (down from 1.55% in FY 2020). Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 14%, compared to a 8.9% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Mar 11Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 18 March 2022. Payment date: 31 March 2022. Payout ratio is a comfortable 25% but the company is not cash flow positive. Trailing yield: 2.7%. Lower than top quartile of German dividend payers (3.5%). Lower than average of industry peers (6.2%).
Reported Earnings • Jan 28Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: EPS: US$2.42 (up from US$1.90 in FY 2020). Revenue: US$98.3m (up 18% from FY 2020). Net income: US$25.9m (up 28% from FY 2020). Profit margin: 26% (up from 24% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.6%. Over the next year, revenue is forecast to grow 13%, compared to a 11% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Dec 15Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 22 December 2021. Payment date: 31 December 2021. Payout ratio is a comfortable 25% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of German dividend payers (3.4%). Lower than average of industry peers (3.4%).
Reported Earnings • Oct 27Third quarter 2021 earnings released: EPS US$0.74 (vs US$0.53 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$25.6m (up 22% from 3Q 2020). Net income: US$7.21m (up 39% from 3Q 2020). Profit margin: 28% (up from 25% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Sep 10Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 17 September 2021. Payment date: 30 September 2021. Trailing yield: 3.3%. Within top quartile of German dividend payers (3.2%). In line with average of industry peers (3.3%).
Reported Earnings • Aug 03Second quarter 2021 earnings released: EPS US$0.64 (vs US$0.53 in 2Q 2020)The company reported a solid second quarter result with improved earnings and revenues, although profit margins were flat. Second quarter 2021 results: Revenue: US$24.1m (up 19% from 2Q 2020). Net income: US$6.21m (up 20% from 2Q 2020). Profit margin: 26% (in line with 2Q 2020). Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.
Recent Insider Transactions • Jun 17Independent Director recently bought €66k worth of stockOn the 9th of June, Edgar Smith bought around 4k shares on-market at roughly €15.88 per share. In the last 3 months, there was an even bigger purchase from another insider worth €68k. Insiders have collectively bought €288k more in shares than they have sold in the last 12 months.
Upcoming Dividend • Jun 12Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 18 June 2021. Payment date: 30 June 2021. Trailing yield: 3.3%. Within top quartile of German dividend payers (3.2%). Higher than average of industry peers (2.7%).
Recent Insider Transactions • Jun 04Independent Director recently bought €58k worth of stockOn the 26th of May, William Hood bought around 4k shares on-market at roughly €15.84 per share. In the last 3 months, they made an even bigger purchase worth €68k. Insiders have collectively bought €296k more in shares than they have sold in the last 12 months.
Recent Insider Transactions • May 29Independent Director recently bought €68k worth of stockOn the 25th of May, William Hood bought around 4k shares on-market at roughly €15.81 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €242k more in shares than they have sold in the last 12 months.
Reported Earnings • May 15First quarter 2021 earnings released: EPS US$0.52 (vs US$0.39 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$21.3m (up 12% from 1Q 2020). Net income: US$5.02m (up 31% from 1Q 2020). Profit margin: 24% (up from 20% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.
Reported Earnings • Apr 28First quarter 2021 earnings released: EPS US$0.52 (vs US$0.39 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$21.3m (up 12% from 1Q 2020). Net income: US$5.02m (up 31% from 1Q 2020). Profit margin: 24% (up from 20% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.
Reported Earnings • Mar 18Full year 2020 earnings released: EPS US$2.09 (vs US$1.47 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: US$83.6m (up 28% from FY 2019). Net income: US$20.3m (up 43% from FY 2019). Profit margin: 24% (up from 22% in FY 2019). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.36% (down from 3.42% in FY 2019). Cost-to-income ratio: 68.4% (up from 66.8% in FY 2019). Non-performing loans: 1.55% (up from 1.11% in FY 2019). Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Is New 90 Day High Low • Mar 12New 90-day high: €16.30The company is up 16% from its price of €14.10 on 11 December 2020. The German market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 14% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €28.49 per share.
Upcoming Dividend • Mar 12Upcoming Dividend of US$0.16 Per ShareWill be paid on the 31st of March to those who are registered shareholders by the 19th of March. The trailing yield of 3.3% is below the top quartile of German dividend payers (3.3%), and is lower than industry peers (4.0%).
Valuation Update With 7 Day Price Move • Mar 12Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$16.30, the stock is trading at a trailing P/E ratio of 9.4x, up from the previous P/E ratio of 8.1x. This compares to an average P/E of 13x in the Banks industry in Europe. Total return to shareholders over the past three years is a loss of 5.2%.
Reported Earnings • Feb 07Full year 2020 earnings released: EPS US$2.09 (vs US$1.47 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: US$83.6m (up 28% from FY 2019). Net income: US$20.3m (up 43% from FY 2019). Profit margin: 24% (up from 22% in FY 2019). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.36% (down from 3.42% in FY 2019). Non-performing loans: 1.55% (up from 1.11% in FY 2019). Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.
Is New 90 Day High Low • Dec 22New 90-day high: €16.00The company is up 62% from its price of €9.90 on 23 September 2020. The German market is up 6.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 19% over the same period.
Reported Earnings • Nov 11Third quarter 2020 earnings released: EPS US$0.53The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2020 results: Revenue: US$21.0m (up 30% from 3Q 2019). Net income: US$5.18m (up 35% from 3Q 2019). Profit margin: 25% (up from 24% in 3Q 2019). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.
Valuation Update With 7 Day Price Move • Nov 11Market bids up stock over the past weekAfter last week's 25% share price gain to US$14.70, the stock is trading at a trailing P/E ratio of 9.2x, up from the previous P/E ratio of 7.4x. This compares to an average P/E of 10x in the Banks industry in Europe. Total return to shareholders over the past three years is a loss of 8.6%.
Is New 90 Day High Low • Nov 07New 90-day high: €13.00The company is up 27% from its price of €10.20 on 07 August 2020. The German market is down 1.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is down 8.0% over the same period.
Reported Earnings • Nov 04Third quarter 2020 earnings released: EPS US$0.53The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2020 results: Revenue: US$21.0m (up 30% from 3Q 2019). Net income: US$5.18m (up 35% from 3Q 2019). Profit margin: 25% (up from 24% in 3Q 2019). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has fallen by 14% per year, which means it is significantly lagging earnings.
