How does FGBI's PE Ratio compare to its peers?

FGBI is expensive based on its Price-To-Earnings Ratio (17x) compared to the peer average (15.2x).

How does FGBI's PE Ratio compare vs other companies in the US Banks Industry?

FGBI is expensive based on its Price-To-Earnings Ratio (17x) compared to the US Banks industry average (13.1x).

What is FGBI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

FGBI is expensive based on its Price-To-Earnings Ratio (17x) compared to the estimated Fair Price-To-Earnings Ratio (10.6x).

What is the Fair Price of FGBI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

FGBI ($14.13) is trading below our estimate of [[fair value]] ($32.91)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

First Guaranty Bancshares (Nasdaq:FGBI) - Stock Price, News & Analysis

FGBI Stock Overview

Operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. More details

FGBI fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 57.1% below our estimate of its fair value

Risk Analysis

Shareholders have been diluted in the past year

Unstable dividend track record

First Guaranty Bancshares, Inc. Competitors

Exchange Bank (Santa Rosa CA)

OTCPK:EXSR

US$195.3m

CF Bankshares

NasdaqCM:CFBK

US$181.6m

Isabella Bank

OTCPK:ISBA

US$184.7m

Western New England Bancorp

NasdaqGS:WNEB

US$194.9m

Price History & Performance

Summary of all time highs, changes and price drops for First Guaranty Bancshares
Historical stock prices
Current Share Price	US$14.13
52 Week High	US$15.25
52 Week Low	US$8.39
Beta	0.39
11 Month Change	27.41%
3 Month Change	37.72%
1 Year Change	40.74%
33 Year Change	-32.45%
5 Year Change	-28.80%
Change since IPO	49.03%

First Guaranty Bancshares: Not The Right Time To Bank On This Prospect

Sep 20

First Guaranty Bancshares (NASDAQ:FGBI) Is Paying Out Less In Dividends Than Last Year

Aug 23

Recent updates

First Guaranty Bancshares: Not The Right Time To Bank On This Prospect

Sep 20

First Guaranty Bancshares (NASDAQ:FGBI) Is Paying Out Less In Dividends Than Last Year

Aug 23

First Guaranty Bancshares: Attractively Valued With An Outlook Of Strong Topline Growth

Mar 19

First Guaranty Bancshares (NASDAQ:FGBI) Has Announced A Dividend Of US$0.16

Feb 26

First Guaranty Bancshares' (NASDAQ:FGBI) Dividend Will Be US$0.16

Nov 25

First Guaranty Bancshares (NASDAQ:FGBI) Has Re-Affirmed Its Dividend Of US$0.16

Aug 27

Shareholder Returns

	FGBI	US Banks	US Market
7D	-1.3%	-2.2%	1.1%
1Y	40.7%	47.8%	32.4%

Return vs Industry: FGBI underperformed the US Banks industry which returned 47.8% over the past year.

Return vs Market: FGBI exceeded the US Market which returned 32.4% over the past year.

Price Volatility

Is FGBI's price volatile compared to industry and market?
FGBI volatility
FGBI Average Weekly Movement	4.5%
Banks Industry Average Movement	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.3%
10% least volatile stocks in US Market	3.1%

Stable Share Price: FGBI has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: FGBI's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1934	495	Mike Mineer	www.fgb.net

First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It offers various deposit products, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities. The company provides loans, such as non-farm, non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, multifamily loans, construction and land development loans, agricultural loans, farmland loans, and consumer and other loans to small to medium-sized businesses and professionals, and individuals.

First Guaranty Bancshares, Inc. Fundamentals Summary

How do First Guaranty Bancshares's earnings and revenue compare to its market cap?
FGBI fundamental statistics
Market cap	US$182.57m
Earnings (TTM)	US$10.41m
Revenue (TTM)	US$95.48m

17.0x

P/E Ratio

0.8x

P/B Ratio

Is FGBI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FGBI income statement (TTM)
Revenue	US$95.48m
Cost of Revenue	US$0
Gross Profit	US$95.48m
Other Expenses	US$85.07m
Earnings	US$10.41m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.83
Gross Margin	100.00%
Net Profit Margin	10.90%
Debt/Equity Ratio	79.1%

How did FGBI perform over the long term?

See historical performance and comparison

Dividends

2.3%

Current Dividend Yield

66%

Payout Ratio

FGBI Stock Overview

Rewards

Risk Analysis

First Guaranty Bancshares, Inc. Competitors

OTCPK:EXSR

US$195.3m

NasdaqCM:CFBK

US$181.6m

OTCPK:ISBA

US$184.7m

NasdaqGS:WNEB

US$194.9m

Price History & Performance

Recent News & Updates

First Guaranty Bancshares: Not The Right Time To Bank On This Prospect

First Guaranty Bancshares (NASDAQ:FGBI) Is Paying Out Less In Dividends Than Last Year

First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on September 30, 2024

First Guaranty Bancshares, Inc. Announces Charge-Offs for the Second Quarter Ended June 30, 2024

First Guaranty Bancshares, Inc. Announces Charge-Offs for the Second Quarter Ended June 30, 2024

First Guaranty Bancshares, Inc. Announces Charge-Offs for the Second Quarter of 2024

Recent updates

First Guaranty Bancshares: Not The Right Time To Bank On This Prospect

First Guaranty Bancshares (NASDAQ:FGBI) Is Paying Out Less In Dividends Than Last Year

First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on September 30, 2024

First Guaranty Bancshares, Inc. Announces Charge-Offs for the Second Quarter Ended June 30, 2024

First Guaranty Bancshares, Inc. Announces Charge-Offs for the Second Quarter Ended June 30, 2024

First Guaranty Bancshares, Inc. Announces Charge-Offs for the Second Quarter of 2024

First Guaranty Bancshares: Get 8.8% Yield On Preferred Shares

First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on June 28, 2024

First Guaranty Bancshares, Inc. and First Guaranty Bank Announces Chief Executive Officer Changes

First Guaranty Bancshares, Inc. and First Guaranty Bank Announces Chief Executive Officer Changes

First quarter 2024 earnings released: EPS: US$0.14 (vs US$0.27 in 1Q 2023)

First Guaranty Bancshares, Inc., Annual General Meeting, May 16, 2024

Full year 2023 earnings: Revenues exceed analysts expectations while EPS lags behind

Upcoming dividend of US$0.16 per share

Fourth quarter dividend of US$0.16 announced

Consensus EPS estimates increase by 31%

Full year 2023 earnings: Revenues exceed analysts expectations while EPS lags behind

First Guaranty: A Solid Regional Bank Trading At A Huge Undervaluation

Upcoming dividend of US$0.16 per share at 6.0% yield

First Guaranty Bancshares (NASDAQ:FGBI) Will Pay A Dividend Of $0.16

First Guaranty Bancshares (NASDAQ:FGBI) Has Announced A Dividend Of $0.16

First Guaranty Bancshares, Inc. Declares a Quarterly Cash Dividend, Payable on December 29, 2023

Consensus EPS estimates fall by 13%

Price target decreased by 12% to US$10.75

Third quarter 2023 earnings: EPS and revenues miss analyst expectations

Price target decreased by 8.1% to US$12.25

Upcoming dividend of US$0.16 per share at 5.7% yield

First Guaranty Bancshares (NASDAQ:FGBI) Has Affirmed Its Dividend Of $0.16

First Guaranty Bancshares (NASDAQ:FGBI) Is Paying Out A Dividend Of $0.16

First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on September 29, 2023

New minor risk - Profit margin trend

Second quarter 2023 earnings: EPS and revenues miss analyst expectations

Investor sentiment deteriorates as stock falls 15%

First Guaranty Bancshares, Inc.(NasdaqGM:FGBI) dropped from Russell Small Cap Comp Value Index

Upcoming dividend of US$0.16 per share at 4.9% yield

Investor sentiment improves as stock rises 22%

First Guaranty Bancshares (NASDAQ:FGBI) Has Announced A Dividend Of $0.16

First Guaranty Bancshares, Inc. announced that it has received $10.000004 million in funding

First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on June 30, 2023

Consensus EPS estimates fall by 11%

Consensus EPS estimates fall by 16%

Consensus EPS estimates fall by 14%

Price target decreased by 16% to US$17.25

Investor sentiment deteriorates as stock falls 18%

Full year 2022 earnings: EPS and revenues miss analyst expectations

Upcoming dividend of US$0.16 per share at 4.1% yield

Investor sentiment deteriorates as stock falls 18%

First Guaranty Bancshares (NASDAQ:FGBI) Has Affirmed Its Dividend Of $0.16

First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on March 31, 2023

Price target decreased by 7.9% to US$23.17

Full year 2022 earnings released: EPS: US$2.48 (vs US$2.42 in FY 2021)

Upcoming dividend of US$0.16 per share

First Guaranty Bancshares (NASDAQ:FGBI) Is Due To Pay A Dividend Of $0.16

First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on December 30, 2022

Independent Chairman of the Board recently sold US$188k worth of stock

High number of new directors

Third quarter 2022 earnings released: EPS: US$0.70 (vs US$0.67 in 3Q 2021)

First Guaranty Bancshares, Inc. Elects Vanessa R. Drew to the Board of Directors

Upcoming dividend of US$0.16 per share