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FGBI logo FGBI
Upturn stock ratingUpturn stock rating
FGBI logo

First Guaranty Bancshares Inc (FGBI)

Upturn stock ratingUpturn stock rating
$7.91
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

08/28/2025: FGBI (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

1 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $8.5

1 Year Target Price $8.5

Analysts Price Target For last 52 week
$8.5 Target price
52w Low $6.54
Current$7.91
52w High $15.2

Analysis of Past Performance

Type Stock
Historic Profit 1.84%
Avg. Invested days 45
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 119.60M USD
Price to earnings Ratio -
1Y Target Price 8.5
Price to earnings Ratio -
1Y Target Price 8.5
Volume (30-day avg) 1
Beta 0.43
52 Weeks Range 6.54 - 15.20
Updated Date 08/28/2025
52 Weeks Range 6.54 - 15.20
Updated Date 08/28/2025
Dividends yield (FY) 1.39%
Basic EPS (TTM) -1.01

Earnings Date

Report Date 2025-08-01
When Before Market
Estimate -0.2
Actual -0.5

Profitability

Profit Margin -17.83%
Operating Margin (TTM) -121.77%

Management Effectiveness

Return on Assets (TTM) -0.28%
Return on Equity (TTM) -4.07%

Valuation

Trailing PE -
Forward PE 11.72
Enterprise Value -375929824
Price to Sales(TTM) 2.02
Enterprise Value -375929824
Price to Sales(TTM) 2.02
Enterprise Value to Revenue 3.34
Enterprise Value to EBITDA -
Shares Outstanding 15120200
Shares Floating 6042021
Shares Outstanding 15120200
Shares Floating 6042021
Percent Insiders 58.63
Percent Institutions 5.77

ai summary icon Upturn AI SWOT

First Guaranty Bancshares Inc

stock logo

Company Overview

overview logo History and Background

First Guaranty Bancshares, Inc. is the holding company for First Guaranty Bank. Founded in 1934, the bank has grown organically and through acquisitions, focusing on community banking in Louisiana and Texas.

business area logo Core Business Areas

  • Community Banking: Provides a range of financial services to individuals and small to medium-sized businesses, including deposit accounts, loans, and other banking products.
  • Commercial Lending: Offers commercial loans and lines of credit to businesses for working capital, expansion, and other purposes.
  • Retail Banking: Provides retail banking services to individual customers including checking and savings accounts, personal loans, mortgages, and investment services.

leadership logo Leadership and Structure

The company is led by a board of directors and executive management team. The organizational structure is typical of a community bank, with departments overseeing lending, operations, finance, and compliance.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans for businesses to finance operations, expansion, and equipment purchases. Market share data unavailable. Competitors include local banks, credit unions and large national banks such as JP Morgan Chase (JPM) and Bank of America (BAC).
  • Residential Mortgages: Mortgages for home purchases and refinancing. Market share data unavailable. Competitors include large mortgage lenders like Rocket Mortgage (RKT) and Wells Fargo (WFC), along with other regional and local banks.
  • Deposit Accounts: Checking, savings, and money market accounts. Market share data unavailable. Competitors include Capital One (COF), Ally Financial (ALLY) and other local and national banks.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently characterized by fluctuating interest rates, increased regulatory scrutiny, and technological disruption from fintech companies. Community banks face challenges from larger institutions and online-only competitors.

Positioning

First Guaranty Bancshares positions itself as a community-focused bank, emphasizing local relationships and personalized service. Its competitive advantages lie in its local presence and understanding of the regional market.

Total Addressable Market (TAM)

The TAM for community banking is substantial, encompassing all individuals and businesses requiring financial services within its geographic footprint. First Guaranty is positioned to capture a portion of this TAM through its community focus, but faces strong competition.

Upturn SWOT Analysis

Strengths

  • Strong local presence
  • Established customer relationships
  • Experienced management team
  • Community-focused approach

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to larger banks
  • Potential for higher operating costs relative to scale
  • Dependence on local economy

Opportunities

  • Expansion into new markets
  • Increased adoption of digital banking services
  • Strategic acquisitions
  • Growth in local economy

Threats

  • Competition from larger banks
  • Economic downturn
  • Rising interest rates
  • Increased regulatory burden
  • Cybersecurity threats

Competitors and Market Share

competitor logo Key Competitors

  • HBNC
  • OZK
  • TCBI

Competitive Landscape

FGBI faces competition from larger regional and national banks. Its advantage lies in its local focus, but it needs to enhance its technology offerings to compete effectively.

Growth Trajectory and Initiatives

Historical Growth: Historical growth analysis requires specific financial data over a period of time.

Future Projections: Future projections require access to analyst reports.

Recent Initiatives: Recent initiatives require access to company announcements and press releases.

Summary

First Guaranty Bancshares is a community-focused bank with strengths in local relationships, but faces challenges from larger competitors and the evolving technological landscape. They must leverage their community presence to grow, while keeping up with increased digitization of banking. Economic downturns and increased regulation present significant risks to them.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Industry Reports
  • Yahoo Finance

Disclaimers:

The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial metrics and projections require more granular data.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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 360
Full time employees 360

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.