FGBI

Company Overview — What Does First Guaranty Bancshares, Inc. Do?

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 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. First Guaranty Bancshares, Inc. (FGBI) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Alton B. Lewis and employs approximately 490 people, headquartered in HAMMOND, Louisiana. With a market capitalization of $139M, FGBI is one of the notable companies in the Financials sector.

First Guaranty Bancshares, Inc. (FGBI) Stock Rating — Hold (April 2026)

As of April 2026, First Guaranty Bancshares, Inc. receives a Hold rating with a composite score of 36.2/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.FGBI ranks #1,434 out of 4,446 stocks in our coverage universe. Within the Financials sector, First Guaranty Bancshares, Inc. ranks #432 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

FGBI Stock Price and 52-Week Range

First Guaranty Bancshares, Inc. (FGBI) currently trades at $9.78. The stock lost $0.02 (0.2%) in the most recent trading session. The 52-week high for FGBI is $10.55, which means the stock is currently trading -7.3% from its annual peak. The 52-week low is $4.31, putting the stock 126.9% above its annual trough. Recent trading volume was 6K shares, suggesting relatively thin trading activity.

Is FGBI Overvalued or Undervalued? — Valuation Analysis

First Guaranty Bancshares, Inc. (FGBI) carries a value factor score of 20/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 0.67x, versus the sector average of 1.22x. The price-to-sales ratio is 0.69x, compared to 0.90x for the average Financials stock.

At current multiples, First Guaranty Bancshares, Inc. trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

First Guaranty Bancshares, Inc. Profitability — ROE, Margins, and Quality Score

First Guaranty Bancshares, Inc. (FGBI) earns a quality factor score of 20/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -25.0%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -1.4% versus the sector average of 1.2%.

On a margin basis, First Guaranty Bancshares, Inc. reports gross margins of 0.0%. The operating margin is -32.2% (sector: 21.8%). Net profit margin stands at -26.4%, versus 17.7% for the average Financials stock. Revenue growth is running at -0.3% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

FGBI Debt, Balance Sheet, and Financial Health

First Guaranty Bancshares, Inc. has a debt-to-equity ratio of 79.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.06x, suggesting adequate working capital coverage. Total debt on the balance sheet is $179M. Cash and equivalents stand at $754M.

FGBI has a beta of 0.69, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for First Guaranty Bancshares, Inc. is 46/100, reflecting average volatility within the normal range for its sector.

First Guaranty Bancshares, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, First Guaranty Bancshares, Inc. reported revenue of $220M and earnings per share (EPS) of $-4.17. Net income for the quarter was $-57M. Gross margin was 0.0%. Operating income came in at $-69M.

In FY 2025, First Guaranty Bancshares, Inc. reported revenue of $213M and earnings per share (EPS) of $-4.17. Net income for the quarter was $-56M. Revenue grew -3.8% year-over-year compared to FY 2024. Operating income came in at $-46M.

In Q3 2025, First Guaranty Bancshares, Inc. reported revenue of $54M and earnings per share (EPS) of $-3.01. Net income for the quarter was $-45M. Revenue grew -6.8% year-over-year compared to Q3 2024. Operating income came in at $-54M.

In Q2 2025, First Guaranty Bancshares, Inc. reported revenue of $54M and earnings per share (EPS) of $-0.61. Net income for the quarter was $-7M. Revenue grew 1.2% year-over-year compared to Q2 2024. Operating income came in at $-9M.

Over the past 8 quarters, First Guaranty Bancshares, Inc. has demonstrated a growth trajectory, with revenue expanding from $54M to $220M. Investors analyzing FGBI stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

FGBI Dividend Yield and Income Analysis

First Guaranty Bancshares, Inc. (FGBI) currently pays a dividend yield of 0.5%. At this yield, a $10,000 investment in FGBI stock would generate approximately $$50.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning FGBI yields less than the typical sector peer.

FGBI Momentum and Technical Analysis Profile

First Guaranty Bancshares, Inc. (FGBI) has a momentum factor score of 52/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 34/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 65/100 reflects moderate short selling activity.

FGBI vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, First Guaranty Bancshares, Inc. (FGBI) ranks #432 out of 891 stocks based on the Blank Capital composite score. This places FGBI in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing FGBI against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full FGBI vs S&P 500 (SPY) comparison to assess how First Guaranty Bancshares, Inc. stacks up against the broader market across all factor dimensions.

FGBI Next Earnings Date

No upcoming earnings date has been announced for First Guaranty Bancshares, Inc. (FGBI) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy FGBI? — Investment Thesis Summary

First Guaranty Bancshares, Inc. presents a balanced picture with arguments on both sides. The quality score of 20/100 flags below-average profitability. The value score of 20/100 indicates premium valuation.

In summary, First Guaranty Bancshares, Inc. (FGBI) earns a Hold rating with a composite score of 36.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on FGBI stock.

Related Resources for FGBI Investors

Explore more research and tools: FGBI vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare FGBI head-to-head with peers: FGBI vs WTM, FGBI vs OPY, FGBI vs ACT.