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Upturn AI Summary - About
First Guaranty Bancshares, Inc.(FGBI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FGBI
11/11/2026: FGBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
First Guaranty Bancshares, Inc. is a community-focused regional bank providing commercial and retail services across Louisiana, Texas, and Kentucky. The bank benefits from deep-rooted local relationships and a consistent approach to loan underwriting, which provides a stable foundation for its operations. Its primary growth opportunity lies in regional economic development and the modernization of its digital banking platform to attract new customers. However, the company faces risks from geographic concentration, interest rate fluctuations, and intense competition from both national and local banking peers. This stock may suit dividend-oriented investors seeking regional banking exposure, though prospective investors should monitor credit quality and management's execution on digital initiatives.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature regional bank with limited high-growth prospects. |
| Momentum investor | Weak fit | The stock typically exhibits low momentum and is subject to broader sector volatility. |
| Value investor | Mixed fit | The company may offer value if trading at a discount to book value, but requires careful credit risk analysis. |
| Dividend investor | Strong fit | The company has a history of paying dividends, making it a potential candidate for income-focused portfolios. |
| Low-risk investor | Mixed fit | Banking stocks carry inherent risks related to interest rates and credit quality. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be sensitive to macroeconomic news and interest rate projections. |
| Valuation risk | Medium | Changes in price-to-book ratios can affect total return potential. |
| Competition risk (Banking) | High | Large institutions and digital challengers compete for deposits and loan volume. |
| Business quality | Medium | The bank maintains a solid core business but lacks the massive scale of national peers. |
| Dividend income | Medium | Dividend payments depend on regulatory capital requirements and earnings stability. |
| Execution risk | Medium | Success relies on effective loan underwriting and management of credit defaults. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 26.69% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/11/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Sector & Industry Intelligence
Sector snapshot as of 2026-11-10
Sector
Financial Services
- Signal
- Constructive
- Sentiment
- Bullish
- Market state
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 47.5%
- Active BUY / eligible
- 56 / 118
- 22-session BUY-count change
- +41
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 47.4%
- Active BUY / eligible
- 18 / 38
- 22-session BUY-count change
- +17
The sector signal does not change this stock’s BUY, SELL, or PASS advisory.
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 216.13M USD | Price to earnings Ratio 10.07 | 1Y Target Price 9 |
Price to earnings Ratio 10.07 | 1Y Target Price 9 | ||
Volume (30-day avg) 31.5K shares | Beta 0.45 | 52 Weeks Range 4.29 - 13.25 | Updated Date 11/11/2026 |
52 Weeks Range 4.29 - 13.25 | Updated Date 11/11/2026 | ||
Dividends yield (FY) 0.32% | Basic EPS (TTM) 1.29 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on customer deposits. | The bank makes most of its money by lending money out at higher rates than it pays to depositors. |
| Fee-based Services | Service charges on deposit accounts, loan origination fees, and other banking services. | Additional revenue is generated from fees for standard banking services. |
Earnings Date
Report Date 2026-10-27 | When - | Estimate 0.12 | Actual 0.69 |
Profitability
Profit Margin 21.6% | Operating Margin (TTM) 44.05% |
Management Effectiveness
Return on Assets (TTM) 0.59% | Return on Equity (TTM) 9.35% |
Valuation
Trailing PE 10.07 | Forward PE 11.72 | Enterprise Value 7.21M | Price to Sales(TTM) 2.27 |
Enterprise Value 7.21M | Price to Sales(TTM) 2.27 | ||
Enterprise Value to Revenue 2.66 | Enterprise Value to EBITDA - | Shares Outstanding 16.64M | Shares Floating 4.43M |
Shares Outstanding 16.64M | Shares Floating 4.43M | ||
Percent Insiders 55.21 | Percent Institutions 9.05 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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