NASDAQ · Banks - Regional

First Guaranty Bancshares, Inc. (FGBI) Stock

$8.94 +5.92% NASDAQ: FGBI Financial Services

Valuation

MetricValue
Price$8.94
Market Cap$147.86M
P/E Ratio-3.22
P/B Ratio0.60
P/S Ratio0.73
EPS (TTM)$-4.17
52-Week High$11.02
52-Week Low$4.31
Dividend Yield0.48%

Financials & Margins

MetricValue
ROE-16.19%
ROA-0.93%
ROCE-1.17%
Gross Margin-35.20%
Operating Margin-35.20%
Net Margin-19.26%
Debt/Equity0.88
Current Ratio122.57

Annual Financials (USD)

Metric20212022202320242025
Revenue$121.0M$146.0M$192.0M$245.0M$196.0M
Operating Profit$34.0M$36.0M$12.0M$16.0M$-69.0M
Net Profit$27.0M$29.0M$9.0M$12.0M$-56.0M
EPS$2.42$2.48$0.62$0.81$-4.17
Op Margin28.5%24.9%6.2%6.5%-35.0%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.9B$3.2B$3.6B$4.0B$4.1B
Total Liabilities$2.7B$2.9B$3.3B$3.7B$3.9B
Cash$262.0M$83.0M$286.0M$564.0M$846.0M
Borrowings$50.0M$183.0M$275.0M$202.0M$186.0M

Latest News

First Guaranty Bancshares (FGBI) Surges 10.4%: Is This an Indication of Further Gains? Zacks · Jun 29, 2026 First Guaranty Bancshares Insiders Placed Bullish Bets Worth US$6.47m Simply Wall St. · May 2, 2026 First Guaranty Bancshares: Q1 Earnings Snapshot Associated Press · Apr 27, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$27.0M$37.0M$22.0M$34.0M$-8.0M
Investing Cash Flow$-455.0M$-471.0M$-221.0M$-145.0M$128.0M
Financing Cash Flow$380.0M$267.0M$205.0M$408.0M$157.0M
Net Cash Flow$-38.0M$-179.0M$203.0M$278.0M$281.0M
Free Cash Flow$24.0M$34.0M$7.0M$31.0M$-10.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.01
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y14.82%
Return 3Y-7.75%
Return 5Y-35.45%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AUBNAuburn National Bancorporation, Inc. $26.86 +1.51% 11.19 $93.59M 4.00%
CFSBCFSB Bancorp, Inc. $14.25 +0.00% -913.46 $93.32M 0.00%
FNWBFirst Northwest Bancorp $9.65 +0.00% 61.92 $91.79M 0.00%
IROQIF Bancorp, Inc. $26.55 +0.00% 16.59 $88.98M 1.51%
LSBKLake Shore Bancorp, Inc. $18.61 -0.53% 16.13 $146.16M 1.99%

About First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc. is led by CEO Michael Ray Mineer, employs 380 people, headquartered in US, publicly traded since 2012.

First Guaranty Bancshares, Inc. (FGBI) stock trades at $8.94 with a market capitalization of $147.86M. The stock is valued at a negative price-to-earnings (P/E) ratio of -3.22, reflecting a net loss over the last twelve months, price-to-book of 0.60, price-to-sales of 0.73. Over the past 52 weeks the stock has ranged between $4.31 and $11.02, and currently trades 18.9% below its 52-week high. It pays a dividend yielding 0.48%.

On profitability, First Guaranty Bancshares, Inc. generates a return on equity (ROE) of -16.19% (negative, reflecting a net loss), return on capital employed of -1.17%, an operating margin of -35.20%, a net profit margin of -19.26%.

First Guaranty Bancshares, Inc. by the numbers, 2016–2025

Between 2016 and 2025 First Guaranty Bancshares, Inc. reported revenue of $67.0M rising to $196.0M, a change of +192.5% across 10 years. Compounded, revenue has grown 9.8% a year over five years, 10.3% over three, -20.0% over the last twelve months. Net profit fell to $-56.0M.

Operating margin went from 31.8% in 2016 to -35.0% in 2025, a fall of 66.7 percentage points. The most recent net margin is -19.26%. On a trailing twelve-month basis to Jun '26, revenue is $189.0M and net profit $-37.0M.

Borrowings rose from $43.0M to $186.0M, cash from operations was $-8.0M in the latest year, positive in 9 of the last 10.

Return on equity has averaged 1.6% over five years, and was -24.8% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

First Guaranty Bancshares, Inc. (FGBI) — frequently asked questions

What is First Guaranty Bancshares, Inc. (FGBI) stock price today?

First Guaranty Bancshares, Inc. (FGBI) is currently trading at $8.94, up 5.92% today.

What is FGBI P/E ratio?

First Guaranty Bancshares, Inc.'s P/E ratio is -3.22. A negative P/E means the company reported a net loss over the last twelve months, so P/E is not a meaningful valuation measure for it right now.

What is FGBI return on equity (ROE)?

First Guaranty Bancshares, Inc.'s return on equity (ROE) is -16.19%. ROE measures net income relative to shareholders' equity. A negative ROE means the company reported a net loss over the period.

What is First Guaranty Bancshares, Inc.'s market cap?

First Guaranty Bancshares, Inc. has a market capitalization of $147.86M.

Does FGBI pay a dividend?

Yes. First Guaranty Bancshares, Inc. currently yields 0.48%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does FGBI carry?

First Guaranty Bancshares, Inc. has a debt-to-equity ratio of 0.88. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is FGBI's profit margin?

First Guaranty Bancshares, Inc. reports a net profit margin of -19.26% — the share of revenue left after every cost, including tax and interest.

What sector is FGBI in?

First Guaranty Bancshares, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is FGBI listed on?

First Guaranty Bancshares, Inc. trades on NASDAQ under the ticker FGBI.

What is FGBI's 52-week range?

Over the last year First Guaranty Bancshares, Inc. has traded between $4.31 and $11.02.

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Screens FGBI currently matches

On the figures above, First Guaranty Bancshares, Inc. passes the filters for 2 of our ready-made screens, among them Day Gainers Stocks, Micro Cap Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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