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First Guaranty Bancshares Inc (FGBI)



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Upturn Advisory Summary
08/28/2025: FGBI (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $8.5
1 Year Target Price $8.5
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 ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
First Guaranty Bancshares Inc

Company Overview
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.
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 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
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
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
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.
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 360 | Website https://www.fgb.net |
Full time employees 360 | 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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