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Upturn AI SWOT - About
FGBI 
First Guaranty Bancshares Inc (FGBI)
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Upturn Advisory Summary
06/30/2025: FGBI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $10
1 Year Target Price $10
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.84% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 104.07M USD | Price to earnings Ratio 62.12 | 1Y Target Price 10 |
Price to earnings Ratio 62.12 | 1Y Target Price 10 | ||
Volume (30-day avg) 1 | Beta 0.44 | 52 Weeks Range 6.54 - 15.20 | Updated Date 06/29/2025 |
52 Weeks Range 6.54 - 15.20 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 0.49% | Basic EPS (TTM) 0.13 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.89% | Operating Margin (TTM) -79.65% |
Management Effectiveness
Return on Assets (TTM) 0.11% | Return on Equity (TTM) 1.58% |
Valuation
Trailing PE 62.12 | Forward PE 11.72 | Enterprise Value -280499968 | Price to Sales(TTM) 1.28 |
Enterprise Value -280499968 | Price to Sales(TTM) 1.28 | ||
Enterprise Value to Revenue 2.97 | Enterprise Value to EBITDA - | Shares Outstanding 12888400 | Shares Floating 6111433 |
Shares Outstanding 12888400 | Shares Floating 6111433 | ||
Percent Insiders 51.32 | Percent Institutions 7.01 |
Analyst Ratings
Rating 1 | Target Price 10 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Guaranty Bancshares Inc
Company Overview
History and Background
First Guaranty Bancshares, Inc. is a bank holding company founded in 1934 and headquartered in Hammond, Louisiana. It has grown through organic expansion and acquisitions, providing community banking services.
Core Business Areas
- Commercial Banking: Offers loans, lines of credit, deposit accounts, and other financial services to businesses of various sizes. Includes commercial real estate financing.
- Retail Banking: Provides a range of consumer banking products, including checking accounts, savings accounts, mortgage loans, auto loans, and personal loans.
- Wealth Management: Offers trust, investment, and asset management services to individuals and families.
Leadership and Structure
The company is led by a Board of Directors and an executive management team. Operational structure consists of regional and branch management reporting to headquarters.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and expansion. Market share data is difficult to pinpoint precisely but is regional. Competitors include Hancock Whitney (HBHC) and other regional banks. Revenue for this product is the largest percentage of the Bank's revenue.
- Mortgage Loans: Residential mortgage loans for home purchases and refinances. Competitors include national mortgage lenders and other regional banks. Market share data is difficult to pinpoint precisely but is regional. Revenue for this product is the second largest percentage of the Bank's revenue.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Revenue for this product is the third largest percentage of the Bank's revenue. The number of users data is difficult to pinpoint precisely but is regional. Competitors include Capital One (COF) and other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate fluctuations, regulatory changes, and technological advancements. Competition is intense, especially from fintech companies.
Positioning
First Guaranty Bancshares Inc. is a community bank focused on serving the Louisiana and surrounding markets. Its competitive advantages include local expertise and relationship-based banking.
Total Addressable Market (TAM)
The TAM for banking services in Louisiana and surrounding areas is estimated to be in the billions of dollars. First Guaranty Bancshares Inc. is positioned to capture a portion of this market through its local focus and competitive offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-based banking model
- Experienced management team
- Diversified product and service offerings
Weaknesses
- Smaller scale compared to national banks
- Limited geographic reach
- Reliance on local economy
- Potential for increased regulatory scrutiny
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Strategic acquisitions
- Increased demand for community banking services
Threats
- Increased competition from national banks and fintech companies
- Economic downturns
- Rising interest rates
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- HBHC
- BOKF
- CADE
Competitive Landscape
First Guaranty Bancshares Inc. competes with national and regional banks, as well as fintech companies. It differentiates itself through its local expertise and relationship-based banking model.
Growth Trajectory and Initiatives
Historical Growth: First Guaranty Bancshares Inc. has grown steadily through organic expansion and acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion, technological investments, and strategic partnerships.
Recent Initiatives: Recent initiatives include expansion into new markets, investments in digital banking technology, and strategic acquisitions.
Summary
First Guaranty Bancshares Inc. is a relatively strong community bank with a solid local presence and relationship-focused approach. It faces challenges from larger national banks and fintech companies, requiring continued innovation and strategic expansion. Economic conditions and cybersecurity threats also pose risks to its operations. Overall, FGBI seems to be holding its own within its operating region.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated based on available information and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Guaranty Bancshares Inc
Exchange NASDAQ | Headquaters Hammond, LA, United States | ||
IPO Launch date 2001-01-02 | President & CEO Mr. Michael Ray Mineer | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 380 | Website https://www.fgb.net |
Full time employees 380 | Website https://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. 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 was founded in 1934 and is headquartered in Hammond, Louisiana.
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