First Guaranty Bancshares Inc (FGBI)


First Guaranty Bancshares, Inc. is the holding company for First Guaranty Bank and its common stock is listed on NASDAQ under the ticker FGBI. Through its banking subsidiary, the company provides commercial banking services in Louisiana and Texas. Its deposit offerings include personal and business checking and savings accounts, money market accounts, demand deposits, and time deposits for consumers, small businesses, and municipalities. The lending portfolio covers a range of commercial, real estate, residential, construction, agricultural, and consumer loan categories, serving small and medium-sized businesses, professionals, and individuals. The company also provides customer banking and cash management services such as credit cards, mobile deposit capture, safe deposit boxes, online and mobile banking, ATMs, and bill pay, along with merchant services, remote deposit capture, and lockbox services for business clients. Founded in 1934 and headquartered in Hammond, Louisiana, First Guaranty Bancshares also maintains an investment portfolio that includes government, municipal, corporate, mutual fund, equity, and mortgage-backed securities.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-FGBI
$6.76
-27.9% Downside
Overvalued
$9
-3.9% Downside
Fair
Weak
0.04
0.4%
July 22, 2026
-3.2x
0.8x
6.5x
153.3 M
51.4%
33.4%
-1.3
-6.2%
-71.3%
Valuation • Fair Value

First Guaranty Bancshares Inc (NASDAQ-FGBI) Fair Value by Valuation Model

Compare the primary fair value estimate for First Guaranty Bancshares Inc (NASDAQ-FGBI) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$6.76

Estimated downside of 27.9% versus the current market price.

Fair Value Confidence

Low

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$0

Classic Ben Graham valuation formula reference.

DDM Fair Value

$6.11

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$6.98

Comparable-company valuation reference.

Analyst Price Target

$9

Analysts imply downside of 3.9%.

How to read these valuation models

Use this section to compare the primary fair value estimate for First Guaranty Bancshares Inc (NASDAQ-FGBI) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for First Guaranty Bancshares Inc (NASDAQ-FGBI)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

23.932 M

Current operating scale indicator.

Revenue Forecast

13.689 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review First Guaranty Bancshares Inc (NASDAQ-FGBI) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for First Guaranty Bancshares Inc (NASDAQ-FGBI)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Weak

Financial pressure deserves closer review.

Piotroski Score

3

Weak quality score that deserves closer review.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.3

Lower score that deserves closer risk review.

FCF / Net Income

-71.3%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for First Guaranty Bancshares Inc (NASDAQ-FGBI). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for First Guaranty Bancshares Inc (NASDAQ-FGBI)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 22, 2026

Days to Earnings

1

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.4%

Income yield reference.

Upcoming Dividend

0.04

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

-6.2%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for First Guaranty Bancshares Inc (NASDAQ-FGBI), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

First Guaranty Bancshares Inc (NASDAQ-FGBI) Stock Forecast & Technical Outlook

Review First Guaranty Bancshares Inc (NASDAQ-FGBI) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for First Guaranty Bancshares Inc (NASDAQ-FGBI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for First Guaranty Bancshares Inc (NASDAQ-FGBI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for First Guaranty Bancshares Inc (NASDAQ-FGBI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Sell

The weekly technical read for First Guaranty Bancshares Inc (NASDAQ-FGBI) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Buy

The monthly technical read for First Guaranty Bancshares Inc (NASDAQ-FGBI) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for First Guaranty Bancshares Inc (NASDAQ-FGBI)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, First Guaranty Bancshares Inc (NASDAQ-FGBI) has a Hold consensus, with 0 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ Fast Investor Answers

First Guaranty Bancshares Inc (NASDAQ-FGBI) Stock FAQ

Quick answers about First Guaranty Bancshares Inc (NASDAQ-FGBI) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$6.76
Estimated downside 27.9%
Valuation Rating
Overvalued
Estimated downside of 27.9%
Analyst Target
$9
Implied downside 3.9%
Financial Health
Weak
Current financial-health read

The current fair value estimate for First Guaranty Bancshares Inc (NASDAQ-FGBI) is $6.76. This implies an estimated downside of 27.9% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 27.9% versus the current market price.

The available analyst price target for First Guaranty Bancshares Inc (NASDAQ-FGBI) is $9. The analyst target implies estimated downside of 3.9%.

The current financial health read for First Guaranty Bancshares Inc (NASDAQ-FGBI) is Weak. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for First Guaranty Bancshares Inc (NASDAQ-FGBI) is July 22, 2026.

Based on the current data, dividend yield is 0.4%, upcoming dividend amount is 0.04.

The current P/E ratio listed for First Guaranty Bancshares Inc (NASDAQ-FGBI) is -3.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for First Guaranty Bancshares Inc is 153.3 M.

The ticker symbol for First Guaranty Bancshares Inc is NASDAQ-FGBI, and the stock is listed on NASDAQ.

First Guaranty Bancshares Inc (NASDAQ-FGBI) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for First Guaranty Bancshares Inc is 51.4%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for First Guaranty Bancshares Inc is 33.4%. Free float helps investors understand how much of the share base is available for public trading.