Logo image of FGBI

FIRST GUARANTY BANCSHARES IN (FGBI) Stock Fundamental Analysis

NASDAQ:FGBI - Nasdaq - US32043P1066 - Common Stock - Currency: USD

7.42  -0.04 (-0.54%)

Fundamental Rating

3

Taking everything into account, FGBI scores 3 out of 10 in our fundamental rating. FGBI was compared to 402 industry peers in the Banks industry. FGBI may be in some trouble as it scores bad on both profitability and health. FGBI is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

In the past year FGBI was profitable.
FGBI had a positive operating cash flow in the past year.
Of the past 5 years FGBI 4 years were profitable.
Of the past 5 years FGBI 4 years had a positive operating cash flow.
FGBI Yearly Net Income VS EBIT VS OCF VS FCFFGBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

1.2 Ratios

FGBI has a worse Return On Assets (0.27%) than 82.84% of its industry peers.
FGBI has a worse Return On Equity (4.06%) than 79.35% of its industry peers.
Industry RankSector Rank
ROA 0.27%
ROE 4.06%
ROIC N/A
ROA(3y)0.65%
ROA(5y)0.69%
ROE(3y)8.55%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
FGBI Yearly ROA, ROE, ROICFGBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 9.32%, FGBI is not doing good in the industry: 83.58% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of FGBI has declined.
FGBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 9.32%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-29.47%
PM growth 5Y-20.52%
GM growth 3YN/A
GM growth 5YN/A
FGBI Yearly Profit, Operating, Gross MarginsFGBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

More info and screens

2

2. Health

2.1 Basic Checks

FGBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
FGBI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FGBI Yearly Shares OutstandingFGBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M
FGBI Yearly Total Debt VS Total AssetsFGBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of FGBI is 3.72, which is a good value as it means it would take FGBI, 3.72 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 3.72, FGBI perfoms like the industry average, outperforming 41.04% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that FGBI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.26, FGBI is doing worse than 60.20% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 3.72
Altman-Z N/A
ROIC/WACCN/A
WACC26.07%
FGBI Yearly LT Debt VS Equity VS FCFFGBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FGBI Yearly Current Assets VS Current LiabilitesFGBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

More info and screens

4

3. Growth

3.1 Past

FGBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.65%, which is quite impressive.
The earnings per share for FGBI have been decreasing by -30.64% on average. This is quite bad
EPS 1Y (TTM)30.65%
EPS 3Y-30.64%
EPS 5YN/A
EPS Q2Q%-50%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.27%

3.2 Future

FGBI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.95% yearly.
Based on estimates for the next years, FGBI will show a small growth in Revenue. The Revenue will grow by 4.04% on average per year.
EPS Next Y12.07%
EPS Next 2Y23.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.12%
Revenue Next 2Y4.04%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
FGBI Yearly Revenue VS EstimatesFGBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
FGBI Yearly EPS VS EstimatesFGBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0.5 1 1.5 2 2.5

More info and screens

8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.16 indicates a reasonable valuation of FGBI.
86.32% of the companies in the same industry are more expensive than FGBI, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 29.35. FGBI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.17, which indicates a very decent valuation of FGBI.
87.56% of the companies in the same industry are more expensive than FGBI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, FGBI is valued rather cheaply.
Industry RankSector Rank
PE 9.16
Fwd PE 8.17
FGBI Price Earnings VS Forward Price EarningsFGBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

FGBI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FGBI is cheaper than 92.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.08
EV/EBITDA N/A
FGBI Per share dataFGBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FGBI's earnings are expected to grow with 23.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.76
PEG (5Y)N/A
EPS Next 2Y23.95%
EPS Next 3YN/A

More info and screens

4

5. Dividend

5.1 Amount

With a yearly dividend of 0.54%, FGBI is not a good candidate for dividend investing.
In the last 3 months the price of FGBI has falen by -47.49%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
With a Dividend Yield of 0.54, FGBI pays less dividend than the industry average, which is at 3.37. 85.32% of the companies listed in the same industry pay a better dividend than FGBI!
With a Dividend Yield of 0.54, FGBI pays less dividend than the S&P500 average, which is at 2.33.
Industry RankSector Rank
Dividend Yield 0.54%

5.2 History

The dividend of FGBI is nicely growing with an annual growth rate of 9.69%!
FGBI has paid a dividend for at least 10 years, which is a reliable track record.
FGBI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.69%
Div Incr Years0
Div Non Decr Years12
FGBI Yearly Dividends per shareFGBI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6

5.3 Sustainability

FGBI pays out 89.56% of its income as dividend. This is not a sustainable payout ratio.
FGBI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP89.56%
EPS Next 2Y23.95%
EPS Next 3YN/A
FGBI Yearly Income VS Free CF VS DividendFGBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
FGBI Dividend Payout.FGBI Dividend Payout, showing the Payout Ratio.FGBI Dividend Payout.PayoutRetained Earnings

More info and screens

FIRST GUARANTY BANCSHARES IN

NASDAQ:FGBI (3/7/2025, 8:25:28 PM)

7.42

-0.04 (-0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-31 2025-01-31/bmo
Earnings (Next)04-28 2025-04-28/amc
Inst Owners8.01%
Inst Owner Change20.26%
Ins Owners40.7%
Ins Owner Change0%
Market Cap92.75M
Analysts43.33
Price Target11.73 (58.09%)
Short Float %0.23%
Short Ratio1.25
Dividend
Industry RankSector Rank
Dividend Yield 0.54%
Yearly Dividend0.84
Dividend Growth(5Y)9.69%
DP89.56%
Div Incr Years0
Div Non Decr Years12
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)569.12%
Min EPS beat(2)159.8%
Max EPS beat(2)978.43%
EPS beat(4)3
Avg EPS beat(4)286.17%
Min EPS beat(4)-30.8%
Max EPS beat(4)978.43%
EPS beat(8)3
Avg EPS beat(8)129.97%
EPS beat(12)6
Avg EPS beat(12)87.07%
EPS beat(16)9
Avg EPS beat(16)57.31%
Revenue beat(2)2
Avg Revenue beat(2)37.13%
Min Revenue beat(2)11.22%
Max Revenue beat(2)63.04%
Revenue beat(4)4
Avg Revenue beat(4)22.13%
Min Revenue beat(4)1.17%
Max Revenue beat(4)63.04%
Revenue beat(8)4
Avg Revenue beat(8)8.53%
Revenue beat(12)8
Avg Revenue beat(12)8.03%
Revenue beat(16)12
Avg Revenue beat(16)12.91%
PT rev (1m)-9.8%
PT rev (3m)2.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-600%
EPS NY rev (1m)0%
EPS NY rev (3m)-103.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.66%
Valuation
Industry RankSector Rank
PE 9.16
Fwd PE 8.17
P/S 0.83
P/FCF 5.08
P/OCF 3.36
P/B 0.36
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)0.81
EY10.92%
EPS(NY)0.91
Fwd EY12.23%
FCF(TTM)1.46
FCFY19.69%
OCF(TTM)2.21
OCFY29.77%
SpS8.94
BVpS20.51
TBVpS19.19
PEG (NY)0.76
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.27%
ROE 4.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 9.32%
GM N/A
FCFM 16.35%
ROA(3y)0.65%
ROA(5y)0.69%
ROE(3y)8.55%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-29.47%
PM growth 5Y-20.52%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 3.72
Debt/EBITDA N/A
Cap/Depr 221.38%
Cap/Sales 8.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 175.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC26.07%
ROIC/WACCN/A
Cap/Depr(3y)159.75%
Cap/Depr(5y)207.21%
Cap/Sales(3y)6.72%
Cap/Sales(5y)8.72%
Profit Quality(3y)107.38%
Profit Quality(5y)105.77%
High Growth Momentum
Growth
EPS 1Y (TTM)30.65%
EPS 3Y-30.64%
EPS 5YN/A
EPS Q2Q%-50%
EPS Next Y12.07%
EPS Next 2Y23.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.27%
Revenue Next Year5.12%
Revenue Next 2Y4.04%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-62.79%
FCF growth 3Y-26.75%
FCF growth 5Y-21.56%
OCF growth 1Y-46.02%
OCF growth 3Y-2.96%
OCF growth 5Y-4.19%