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May 7, 2026·SEC
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First Guaranty Bancshares, Inc.(FGBI)Earnings, Financials & Key Ratios
FGBI•NASDAQ•Banking & Credit
$9.88
Price updated Jul 7, 2026
AboutFirst 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 also 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. In addition, it offers a range of consumer services, including credit cards, mobile deposit capture, safe deposit boxes, official checks, online and mobile banking, automated teller machines, and online bill pay; provides additional solutions, such as merchant services, remote deposit capture, and lockbox services to business customers; and invests a portion of its assets in securities issued by the United States Government and its agencies, state and municipal obligations, corporate debt securities, mutual funds, and equity securities, as well as invests in mortgage-backed securities primarily issued or guaranteed by United States Government agencies or enterprises. The company operates through 36 banking facilities primarily located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, Alexandria, Dallas-Fort Worth-Arlington, Waco, Kentucky, and West Virginia. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.Show more
- Net Interest Income$87M-1.7%
- Total Revenue$196M-19.9%
- Net Income-$56M-550.0%
- Return on Equity-23.28%-571.9%
- Net Interest Margin2.13%-4.2%
- Efficiency Ratio28.81%-6.6%
- ROA-1.39%-520.7%
- Equity / Assets5.55%-13.6%
- Book Value per Share16.18-20.7%
FGBI Price & Volume
First Guaranty Bancshares, Inc. (FGBI) stock price & volume — 10-year historical chart
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Persistent Margin Compression Strains Capital Adequacy Ratios
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Asset quality and margin compression
Key Thesis Takeaways
- First Guaranty Bancshares faces significant headwinds as stagnant net interest margins of 0.5% to 0.6% and volatile credit provisioning, highlighted by a $47.9 million charge in 2025Q3, continue to erode profitability.
- The bank's reliance on a $3.1 billion securities portfolio and a thin 6% equity-to-assets ratio leaves the institution vulnerable to further asset quality deterioration.
- Investors should remain cautious as the firm struggles to scale operations, evidenced by an efficiency ratio that peaked at 54.2% during recent periods of earnings volatility.
Verdict Logic
the bank's inability to generate consistent organic capital, evidenced by a $45.0 million net loss in 2025Q3, suggests significant downside risk to the current 0.66 price-to-book valuation.
FGBI Growth Metrics
First Guaranty Bancshares, Inc. (FGBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.84%
5 Years9.74%
3 Years10.35%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-1286.13%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-2603.73%
Return on Capital
10 Years8.29%
5 Years6.05%
3 Years1.2%
Last Year-3.02%
FGBI Recent Earnings
First Guaranty Bancshares, Inc. (FGBI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 5/12 qtrs (50%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$0.14+100.0%
$0.07
Rev
$52M+136.0%
$22M
Q2 2026
Mar 31, 2026Metric
Actual
Est
EPS
$0.13+144.8%
$0.29
Rev
$53M+70.2%
$31M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$0.16+155.0%
$0.29
Rev
$22M-28.4%
$31M
Q2 2026
Mar 5, 2026Metric
Actual
Est
EPS
$0.16+155.0%
$0.29
Rev
$22M-28.4%
$31M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.14vs $0.07+100.0% | $52Mvs $22M+136.0% |
| Q2 2026 | Mar 31, 2026 | $0.13vs $0.29+144.8% | $53Mvs $31M+70.2% |
| Q2 2026 | Mar 12, 2026 | $0.16vs $0.29+155.0% | $22Mvs $31M-28.4% |
| Q2 2026 | Mar 5, 2026 | $0.16vs $0.29+155.0% | $22Mvs $31M-28.4% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for First Guaranty Bancshares, Inc. (FGBI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $9.88 | $162.67M | -2.37 | -19.95% | -28.59% | -23.28% | 0.41% | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $61.57 | $1.53B | 15.35 | -1.93% | 25.81% | 14.79% | — | |
| $34.67 | $4.97B | 19.59 | 11.71% | 31.14% | 14.2% | — | |
| $22.90 | $69.93M | 18.17 | -2.88% | 17.78% | 10.42% | — | |
| $30.31 | $990.47M | 10.90 | 11.84% | 17.47% | 10.06% | — |
Compare FGBI vs Peers
First Guaranty Bancshares, Inc. (FGBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FGBI SEC Filings & Documents
First Guaranty Bancshares, Inc. (FGBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FGBI Frequently Asked Questions
First Guaranty Bancshares, Inc. (FGBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First Guaranty Bancshares, Inc. growing?
First Guaranty Bancshares, Inc. (FGBI) saw revenue decline by 19.9% over the past year.
Is FGBI profitable?
First Guaranty Bancshares, Inc. (FGBI) reported a net loss of $47.1M for fiscal year 2025.
Dividend & Returns
Does FGBI pay dividends?
Yes, First Guaranty Bancshares, Inc. (FGBI) pays a dividend with a yield of 0.41%. This makes it attractive for income-focused investors.
What is FGBI's return on equity?
First Guaranty Bancshares, Inc. (FGBI) has a return on equity (ROE) of -23.3%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is First Guaranty Bancshares, Inc.'s net interest margin?
First Guaranty Bancshares, Inc. (FGBI) has a net interest margin (NIM) of 2.1%. NIM has been under pressure due to interest rate environment.
What is First Guaranty Bancshares, Inc.'s efficiency ratio?
First Guaranty Bancshares, Inc. (FGBI) has an efficiency ratio of 28.8%. This is excellent, indicating strong cost control.