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Upturn AI SWOT - About
FGBI 
First Guaranty Bancshares Inc (FGBI)
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Upturn Advisory Summary
10/20/2025: FGBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $9
1 Year Target Price $9
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.61% | Avg. Invested days 38 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 117.63M USD | Price to earnings Ratio - | 1Y Target Price 9 |
Price to earnings Ratio - | 1Y Target Price 9 | ||
Volume (30-day avg) 1 | Beta 0.38 | 52 Weeks Range 6.53 - 15.18 | Updated Date 10/19/2025 |
52 Weeks Range 6.53 - 15.18 | Updated Date 10/19/2025 | ||
Dividends yield (FY) 1.38% | Basic EPS (TTM) -1.01 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 -378349056 | Price to Sales(TTM) 1.99 |
Enterprise Value -378349056 | Price to Sales(TTM) 1.99 | ||
Enterprise Value to Revenue 3.33 | Enterprise Value to EBITDA - | Shares Outstanding 15120172 | Shares Floating 5481516 |
Shares Outstanding 15120172 | Shares Floating 5481516 | ||
Percent Insiders 58.94 | Percent Institutions 5.77 |
Upturn AI SWOT
First Guaranty Bancshares Inc
Company Overview
History and Background
First Guaranty Bancshares, Inc. (FGBI) was established to create community-focused banks in Louisiana. The company has grown through acquisitions and organic expansion, focusing on relationship banking.
Core Business Areas
- Community Banking: Offers a range of financial products and services to individuals, small businesses, and commercial customers. This includes deposit accounts, loans, and other related services.
- Wealth Management: Provides wealth management services, including financial planning, investment management, and trust services.
Leadership and Structure
The leadership team consists of experienced bankers and financial professionals. The organizational structure includes a board of directors and executive management responsible for overseeing operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate acquisition. Competitors include other regional and national banks.
- Residential Mortgages: Mortgage loans for individuals purchasing or refinancing homes. Competitors include mortgage companies and other banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include credit unions and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities including changing regulatory landscapes, rising interest rates, technological advancements, and increased competition from non-bank financial institutions.
Positioning
First Guaranty Bancshares, Inc. is positioned as a community-focused bank, aiming to provide personalized service and build strong relationships with its customers. It operates primarily in Louisiana and Texas, a market with both opportunities and competition.
Total Addressable Market (TAM)
The TAM for banking services in Louisiana and Texas is substantial, estimated in the billions of dollars. FGBI's position hinges on its ability to capture regional market share.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Customer-focused approach
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on regional economy
- Higher cost structure than online only banks
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from larger banks
- Economic downturns
- Changes in regulations
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BOH (Bancorp Hawaii)
- CVBF (CVB Financial)
- UMPQ (Umpqua Holdings)
Competitive Landscape
First Guaranty Bancshares competes with larger regional and national banks. Its advantage lies in its local presence and customer service focus, but it faces challenges from competitors with greater resources.
Major Acquisitions
American Bank of Commerce
- Year: 2018
- Acquisition Price (USD millions): 23
- Strategic Rationale: Expansion into key markets, adding new customers and branches.
Growth Trajectory and Initiatives
Historical Growth: Placeholder: Has shown steady growth in assets and revenues over the past several years.
Future Projections: Placeholder: Analysts expect continued growth, driven by organic expansion and strategic acquisitions.
Recent Initiatives: Placeholder: Focused on expanding its digital banking capabilities and increasing its presence in key markets.
Summary
First Guaranty Bancshares demonstrates solid growth through strategic acquisitions and a community-focused approach. While its local presence is a strength, it faces competition from larger banks. Focusing on digital expansion and careful cost management will be crucial. FGBI should be mindful of potential economic downturns that could impact its lending portfolio.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Financials
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on available information and general market conditions and should not be considered financial advice.
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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