First Guaranty Bancshares Balance Sheet Health

Financial Health criteria checks 5/6

First Guaranty Bancshares has total assets of $3.6B and total equity of $250.3M. Total deposits are $3.1B, and total loans are $2.7B earning a Net Interest Margin of 2.7%. It has insufficient allowance for bad loans, which are currently at 1.5% of total loans. Cash and short-term investments are $332.1M.

Key information

14.2x

Asset to equity ratio

2.7%

Net interest margin

Total deposits	US$3.06b
Loan to deposit ratio	Appropriate
Bad loans	1.5%
Allowance for bad loans	Low
Current ratio	Low
Cash & equivalents	US$332.06m

Recent financial health updates

No updates

Recent updates

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

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: FGBI's Assets to Equity ratio (14.2x) is moderate.

Allowance for Bad Loans: FGBI has a low allowance for bad loans (76%).

Low Risk Liabilities: 93% of FGBI's liabilities are made up of primarily low risk sources of funding.

Loan Level: FGBI has an appropriate level of Loans to Assets ratio (77%).

Low Risk Deposits: FGBI's Loans to Deposits ratio (89%) is appropriate.

Level of Bad Loans: FGBI has an appropriate level of bad loans (1.5%).

First Guaranty Bancshares Balance Sheet Health

Financial Health criteria checks 5/6

Key information

Recent financial health updates

Recent updates

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

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

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

First Guaranty Bancshares declares $0.16 dividend

Second quarter 2022 earnings released: EPS: US$0.70 (vs US$0.58 in 2Q 2021)

First Guaranty Bancshares GAAP EPS of $0.70 beats by $0.02, revenue of $8.1M

First Guaranty Bancshares: Balance Sheet Growth To Drive The Bottom Line

Upcoming dividend of US$0.16 per share

Price target increased to US$28.83

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

First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend on Common Stock, Expected to Be Paid on June 30, 2022

Price target increased to US$28.33

Do First Guaranty Bancshares's (NASDAQ:FGBI) Earnings Warrant Your Attention?

First quarter 2022 earnings: EPS exceeds analyst expectations

Insufficient new directors

First Guaranty Bancshares, Inc., Annual General Meeting, May 19, 2022

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

Full year 2021 earnings: EPS misses analyst expectations

Upcoming dividend of US$0.16 per share

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

First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on March 31, 2022

Full year 2021 earnings: EPS and revenues exceed analyst expectations

Now 21% undervalued

Price target increased to US$24.39

Upcoming dividend of US$0.16 per share

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

Third quarter 2021 earnings released: EPS US$0.74 (vs US$0.53 in 3Q 2020)