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Home CompaniesFirst Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc.

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
12.12 USD 0.38 ( 3.24%)
Last update at 2026-11-09T15:25:00Z
VOLUME
5389
Market Cap
152.88M

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
11.92
Low
12.21
High
52 Week Price Range
4.30
Low
10.49
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

First Guaranty Bancshares is a bank holding company that provides commercial and consumer lending, deposit-taking and other core banking services through a regional community bank franchise. Long-term growth may be supported by loan portfolio expansion, potential net interest margin improvement as rate conditions evolve and modest regional economic growth, and investors may find the company attractive for its established local deposit base and potential to benefit from improving credit trends.
Key investment risks include exposure to regional economic and credit cycles, sensitivity of net interest margin to interest-rate moves, competitive pressure from larger banks and fintech entrants, and regulatory or capital constraints that could limit growth.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
11.74
Dividend Yield
0.41%
Revenue TTM
13.69M
Revenue Per Share
0.98
Gross Profit TTM
13.69M
Debt / Equity
0.82
ROE
-23.28%
Net Debt
-659.57M
ROCE
-1.68%
Diluted EPS TTM
-4.17

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -68.56M 16.01M 11.90M 36.39M 34.45M
Net income -56.02M 12.45M 9.22M 28.88M 27.30M
Selling general administrative 40.75M 38.30M 40.42M 36.70M 32.18M
Selling and marketing expenses - 1.24M 1.93M 1.75M 1.71M
Gross profit -12.11M 91.47M 89.76M 1.75M 100.38M
Reconciled depreciation 4.29M 4.43M 4.14M 4.11M 4.78M
Ebit - 16.01M 11.90M 72.92M 34.45M
Ebitda -68.56M 20.44M 15.92M 77.03M 39.23M
Depreciation and amortization - 4.43M 4.03M 4.11M 4.78M
Operating income -68.56M 16.01M 11.90M 72.92M 34.45M
Other operating expenses 264.51M 228.77M 179.89M 71.17M -65.92M
Interest expense 126.34M 133.27M 98.30M 36.53M 22.30M
Tax provision -12.54M 3.56M 3.64M 7.51M 7.16M
Interest income 213.28M 221.71M 171.00M 136.58M 111.92M
Net interest income 86.94M 88.44M 86.96M 100.04M 89.62M
Income tax expense -12.54M 3.56M 2.68M 7.51M 7.16M
Total revenue 195.96M 244.78M 191.78M 1.75M 100.38M
Total operating expenses 56.45M 75.47M 77.87M 71.17M -65.92M
Cost of revenue 208.07M 153.30M 102.02M - -
Total other income expense net - -0.27M -0.59M -36.53M -22.30M
Net income from continuing ops -56.02M 12.45M 13.04M 28.88M 27.30M
Net income applicable to common shares - - - 26.56M 25.91M
Preferred stock and other adjustments - - - 2.33M 1.38M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 4078.32M 3972.73M 3552.77M 3151.35M 2878.12M
Intangible assets 2.64M 3.47M 4.30M 4.98M 5.92M
Other current assets -0.55M - 303.42M 2.49M 1708.55M
Total liab 3852.10M 3717.68M 3303.14M 2916.36M 2654.23M
Total stockholder equity 226.22M 255.05M 249.63M 234.99M 223.89M
Other current liab -17.64M 3476.26M 2486.75M -144.29M -7.69M
Common stock 15.79M 12.51M 12.47M 10.72M 10.72M
Capital stock 48.85M 45.56M 12.47M 43.77M 10.72M
Retained earnings 14.05M 72.97M 67.97M 76.35M 56.65M
Other liab - - - 4.91M 3.62M
Good will 0.00M 12.90M 12.90M 12.90M 12.90M
Other assets 3184.83M 2707.22M - 2081.41M 1952.09M
Cash 845.70M 564.03M 286.11M 82.80M 261.75M
Total current liabilities 7.12M 3503.71M 2557.08M 144.29M 7.69M
Current deferred revenue - - -11.81M - -
Net debt -659.57M -362.11M -10.72M 94.13M -218.55M
Short term debt 7.12M 7.01M 70.33M 140.00M 3.21M
Short long term debt - 0.00M 60.00M 140.00M 3.21M
Short long term debt total 186.13M 201.92M 275.40M 176.93M 43.20M
Other stockholder equity 170.62M 149.39M 149.09M 130.09M 130.09M
Property plant equipment - - - 58.21M 58.64M
Total current assets 857.61M 1078.46M 303.42M 542.32M 484.42M
Long term investments 999.27M 602.72M 404.12M 451.53M 364.16M
Net tangible assets - - - 184.05M 172.01M
Short term investments 0.55M 281.10M 83.48M 131.46M 210.62M
Net receivables 12.46M 233.33M 299.70M 330.58M 12.05M
Long term debt 179.01M 194.91M 209.10M 36.93M 39.99M
Inventory - - 270.40M 0.11M 243.54M
Accounts payable 17.64M 20.44M 11.81M 4.29M 4.48M
Accumulated other comprehensive income -7.31M -12.87M -12.96M -15.23M -6.63M
Common stock total equity - - - 10.72M 10.72M
Preferred stock total equity - - - 33.06M 33.06M
Retained earnings total equity - - - 76.35M 56.65M
Non currrent assets other 84.09M 48.00M 22.77M -527.61M -441.62M
Non current assets total 3220.16M 2894.27M 3249.35M 527.61M 441.62M
Long term debt total - - - 36.93M 39.99M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -386.38M -142.07M -226.07M -467.76M -453.35M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities 129.90M -142.07M -206.09M -467.91M -452.64M
Net borrowings -1.01M -14.33M 172.15M 134.22M -67.00M
Total cash from financing activities 159.88M 386.09M 387.61M 252.33M 388.45M
Change to operating activities - - - 0.18M -6.35M
Net income -56.02M 12.45M 9.22M 28.88M 27.30M
Change in cash 281.49M 277.75M 203.24M -178.71M -37.67M
Begin period cash flow 564.21M 286.45M 83.22M 261.93M 299.61M
End period cash flow 845.70M 564.21M 286.45M 83.22M 261.93M
Total cash from operating activities -8.28M 33.73M 21.71M 36.87M 26.52M
Issuance of capital stock 7.05M 0.00M 10.00M 0.00M 33.06M
Depreciation 4.29M 4.43M 4.03M 4.11M 4.78M
Other cashflows from investing activities 517.98M 56.97M -240.30M 2.49M 2.91M
Dividends paid 2.89M 7.46M 9.70M -9.19M -7.78M
Sale purchase of stock - - -100.24M - -2.16M
Other cashflows from financing activities 156.73M 407.88M 205.16M 265.12M 413.55M
Change to netincome - - - 1.90M 1.63M
Capital expenditures 1.70M 3.04M 14.96M 2.64M 2.20M
Cash flows other operating - - - 0.18M -7.07M
Cash and cash equivalents changes - - - -178.71M -37.67M
Change in working capital -51.59M 14.28M 4.01M 0.18M -6.35M
Other non cash items 95.04M 2.56M 4.46M 3.69M 0.80M
Free cash flow -9.98M 30.68M 6.76M 34.22M 24.32M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
FGBI
First Guaranty Bancshares, Inc.		 0.38
3.24%		 12.12 - 11.72 11.17 0.80 3.91
DBSDY
DBS Group Holdings Ltd ADR		 2.71
1.26%		 218.59 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 0.03
0.45%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.11
0.32%		 34.84 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 5.05
5.86%		 91.30 11.53 10.27 5.72 1.83 8.22

Profile*

First Guaranty Bancshares, Inc.

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.

400 East Thomas Street, Hammond, LA, United States, 70401

985 345 7685

https://www.fgb.net

339

Name Title Year Born
Mr. Alton B. Lewis Jr. Vice Chairman, Pres & CEO 1949
Mr. Eric John Dosch Treasurer, Sec. & CFO 1979
Mr. Michael Ray Mineer Mideast Market Pres 1967
Kevin J. Foster Sr. VP & Regional Mang. Denham Springs NA
Gregory P. Prudhomme Sr. VP & Regional Mang. of Central Louisiana NA
Mr. Michael R. Cross Chief Lending Officer of First Guaranty Bank 1956
Mr. Alton B. Lewis Jr. Vice Chairman, President & CEO 1949
Mr. Eric John Dosch Treasurer, Secretary & CFO 1979
Ms. Amanda Wood Barnett J.D. Senior VP & General Counsel 1965
Mr. Michael Ray Mineer Kentucky & West Virginia Area President 1967

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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