YOLFTbeta
First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc.

FGBI · NASDAQ · Financial Services / Banks - Regional

12.35USD-0.57 (-4.41%)

Price History

Full chart

Market Stats

Previous Close12.92
Open13.01
Day Range12.27 – 13.01
52-Week Range4.29 – 10.99
Volume27.60K
Market Cap132.48M
P/E (TTM)0.00
Forward P/E11.72
EPS-2.71
Dividend Yield0.51%
Beta0.43
50-Day Avg8.79
200-Day Avg8.67

About

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, such as personal and business checking, savings, money market, and demand deposits 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Michael Ray Mineer
  • Employees333
  • Headquarters400 East Thomas Street, Hammond, LA, United States, 70401, USA
  • Websitehttps://www.fgb.net

Leadership

  • Mr. Michael Ray MineerPresident & CEO · b. 1967
  • Mr. Eric John Dosch C.F.A.Treasurer, Secretary & CFO · b. 1979
  • Mr. Kevin J. FosterSenior VP & Regional Manager Denham Springs
  • Gregory P. PrudhommeSenior VP & Regional Manager of Central Louisiana

Financials

Income Statement

Currency: USD2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue45.56M55.30M60.18M53.35M55.16M59.99M64.22M66.44M58.36M58.35M64.01M66.94M74.72M82.46M98.72M123.13M120.92M145.84M191.78M244.78M195.96M
Growth (%)-+21.40%+8.81%-11.35%+3.39%+8.77%+7.04%+3.47%-12.16%-0.02%+9.70%+4.58%+11.62%+10.35%+19.73%+24.72%-1.80%+20.61%+31.51%+27.63%-19.95%
Cost of Revenue45.56M55.30M23.32M17.52M19.00M18.88M25.30M17.25M13.65M11.16M12.47M13.85M18.21M22.72M34.83M40.89M24.35M40.19M102.02M153.30M208.07M
Gross Profit--36.86M35.83M36.16M41.12M38.91M49.19M44.71M47.19M51.54M53.10M56.51M59.74M63.90M82.24M96.56M105.64M89.76M91.47M-12.11M
Gross Margin--61.25%67.17%65.55%68.53%60.59%74.03%76.61%80.87%80.52%79.32%75.62%72.45%64.72%66.79%79.86%72.44%46.81%37.37%-6.18%
Operating Expense--21.13M27.85M24.84M25.86M27.16M31.27M30.99M30.47M30.07M31.84M37.36M42.06M46.00M56.70M62.11M69.25M77.87M75.47M56.45M
Operating Income9.17M13.31M15.73M7.98M11.32M15.25M11.76M17.92M13.72M16.72M21.47M21.26M19.15M17.68M17.90M25.54M34.45M36.39M11.90M16.01M-68.56M
Operating Margin20.13%24.06%26.14%14.96%20.53%25.42%18.31%26.97%23.51%28.65%33.54%31.75%25.63%21.44%18.13%20.74%28.49%24.95%6.20%6.54%-34.99%
EBITDA10.58M14.74M16.97M9.43M12.73M16.67M13.47M20.02M15.83M18.86M23.46M23.45M21.59M20.96M20.95M29.32M39.23M40.50M15.92M20.44M-64.27M
EBITDA Margin23.23%26.66%28.19%17.68%23.09%27.78%20.98%30.12%27.13%32.32%36.65%35.03%28.90%25.42%21.22%23.81%32.44%27.77%8.30%8.35%-32.80%
Net Income6.02M8.80M10.26M5.51M7.59M10.03M8.03M12.06M9.15M11.22M14.51M14.09M11.75M14.21M14.24M20.32M27.30M28.88M9.22M12.45M-56.02M
Net Income Margin13.22%15.92%17.05%10.33%13.77%16.71%12.51%18.15%15.67%19.23%22.66%21.05%15.73%17.24%14.42%16.50%22.57%19.81%4.81%5.09%-28.59%
Interest Expense1.49M2.15M21.40M15.73M14.84M13.22M15.12M13.12M11.13M9.20M8.61M10.14M14.39M21.37M29.97M26.02M22.30M36.53M98.30M133.27M126.34M
Interest Expense % of Total Revenue3.28%3.89%35.56%29.49%26.91%22.04%23.54%19.75%19.08%15.77%13.45%15.15%19.26%25.91%30.35%21.13%18.44%25.05%51.26%54.44%64.47%

Balance Sheet

Currency: USD2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-714.49M808.06M871.23M930.85M1.13B1.35B1.41B1.44B1.52B1.46B1.50B1.75B1.82B2.12B2.47B2.88B3.15B3.55B3.97B4.08B
Total Liabilities-655.28M740.80M805.75M835.91M1.03B1.23B1.27B1.31B1.38B1.34B1.38B1.61B1.67B1.95B2.29B2.65B2.92B3.30B3.72B3.85B
Total Equity-59.20M67.26M65.49M94.94M97.94M126.60M134.18M123.41M139.58M118.22M124.35M143.98M147.28M166.03M178.59M223.89M234.99M249.63M255.05M226.22M
Cash--22.81M77.18M33.44M35.71M43.81M84.09M61.57M54.61M37.69M17.84M37.20M127.42M66.51M298.90M261.75M82.80M286.11M564.03M845.70M
Total Debt-24.57M13.49M18.12M31.93M12.59M15.42M15.85M6.29M3.25M42.22M43.23M52.94M34.54M86.75M116.63M49.63M183.37M275.40M201.92M186.13M
Net Debt-24.57M-9.31M-59.06M-1.51M-23.12M-28.39M-68.24M-55.28M-51.36M4.53M25.39M15.73M-92.88M20.24M-182.27M-212.11M100.57M-10.72M-362.11M-659.57M

Cash Flow

Currency: USD2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow14.43M14.27M42.48M19.56M2.53M16.58M17.97M16.90M17.17M16.79M17.21M22.21M12.28M26.89M29.08M23.76M26.52M36.87M21.71M33.73M-8.28M
Investing Cash Flow-104.08M-10.39M26.51M-58.48M-83.91M-202.07M-84.46M-82.78M-78.10M-94.98M47.21M-67.78M-83.00M6.79M-131.91M-128.46M-452.64M-467.91M-206.09M-142.07M129.90M
Financing Cash Flow98.74M-7.51M-35.13M58.27M50.09M183.61M134.10M39.67M36.19M61.29M-71.72M26.41M90.64M56.26M42.29M336.88M388.45M252.33M387.61M386.09M159.88M
Capital Expenditure2.46M2.48M801.00K1.02M1.63M1.33M2.34M1.57M1.76M1.67M4.40M4.11M6.81M3.79M11.93M6.31M2.20M2.64M14.96M3.04M1.70M
Free Cash Flow11.97M11.79M41.68M18.54M895.00K15.25M15.63M15.33M15.41M15.12M12.81M18.10M5.46M23.10M17.14M17.45M24.32M34.22M6.76M30.68M-9.98M
Dividends Paid3.17M3.33M3.50M3.56M3.80M4.69M5.43M6.01M4.74M4.42M4.63M4.87M5.21M5.64M5.80M6.23M7.78M9.19M9.70M7.46M2.89M
FCF to OCF82.92%82.64%98.11%94.80%35.43%92.00%86.99%90.73%89.76%90.07%74.44%81.50%44.49%85.92%58.96%73.43%91.69%92.83%31.13%90.98%120.48%
Dividend Paid to FCF26.51%28.27%8.40%19.19%424.47%30.72%34.75%39.18%30.76%29.24%36.14%26.90%95.40%24.40%33.85%35.73%31.98%26.85%143.48%24.30%-28.96%

Earnings

Report DateSep 30, 2006Sep 30, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Feb 6, 2015May 4, 2015Jul 23, 2015Nov 16, 2015Feb 3, 2016May 16, 2016Aug 1, 2016Oct 31, 2016Feb 2, 2017Apr 27, 2017Aug 8, 2017Oct 30, 2017Feb 5, 2018Apr 26, 2018Jul 31, 2018Oct 29, 2018Feb 4, 2019Apr 26, 2019Jul 29, 2019Oct 30, 2019Feb 4, 2020Apr 30, 2020Jul 31, 2020Nov 2, 2020Feb 3, 2021Apr 26, 2021Jul 29, 2021Oct 26, 2021Jan 26, 2022Apr 27, 2022Jul 27, 2022Oct 27, 2022Jan 31, 2023Apr 26, 2023Aug 8, 2023Oct 27, 2023Feb 5, 2024Apr 29, 2024Jul 23, 2024Oct 30, 2024Jan 30, 2025Apr 29, 2025Aug 18, 2025Oct 31, 2025Jan 28, 2026Apr 27, 2026Jul 27, 2026Nov 16, 2026
EPS Estimate---------------------------------0.030.030.030.030.030.030.410.030.040.360.360.460.370.310.330.370.460.340.270.360.350.370.450.520.680.620.680.710.540.320.280.160.090.100.200.010.230.17-0.20-0.32-0.290.070.090.12
EPS Actual0.220.310.260.24-0.090.240.120.140.190.320.250.340.280.090.230.230.15-0.090.280.270.280.270.230.230.250.290.290.280.190.320.390.450.450.030.030.040.030.030.030.380.030.030.340.450.370.320.320.300.360.400.350.380.43-0.340.460.490.680.710.650.700.700.420.270.190.100.060.140.530.110.03-0.54-0.61-2.300.130.130.17-
Surprise---------------------------------0.00%0.00%33.33%0.00%0.00%0.00%-7.32%0.00%-25.00%-5.56%25.00%-19.57%-13.51%3.23%-9.09%-2.70%-13.04%2.94%40.74%19.44%-197.14%24.32%8.89%30.77%4.41%4.84%2.94%-1.41%-22.22%-15.63%-32.14%-37.50%-33.33%40.00%165.00%1000.00%-86.96%-417.65%-205.00%-618.75%144.83%85.71%88.89%-
Timing-----------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketAfter-hoursAfter-hours--

Key Statistics & Ratios

Market Cap132.48M
Enterprise Value-429.91M
Trailing P/E0.00
Forward P/E11.72
PEG Ratio0.00
Price / Sales3.51
Price / Book0.65
EPS-2.71
Book Value11.75
Revenue (TTM)37.70M
Gross Profit (TTM)37.70M
Profit Margin-96.50%
Operating Margin20.16%
Return on Equity-14.84%
Return on Assets-0.93%
Shares Outstanding16.54M
Shares Float5.67M
Beta0.43
Dividend Yield0.51%
Dividend Rate0.04
Payout Ratio200.00%

Analyst Ratings

Hold
Based on 1 analystsTarget 9.00
  • Hold
    1

Ownership Breakdown

Institutions
8.67%
Insiders
55.51%
Retail / Other
35.82%

Top Institutional Holders

  • Vanguard Capital Management, LLC
    265.71K1.61%
  • Bridgeway Capital Management, LLC
    87.04K0.53%
  • Geode Capital Management, LLC
    78.15K0.47%
  • Cullen Investment Group Ltd
    62.21K0.38%
  • Empowered Funds, LLC
    47.75K0.29%
  • Vanguard Fiduciary Trust Co
    37.89K0.23%
  • BlackRock Inc
    34.05K0.21%
  • Susquehanna International Group, LLP
    23.68K0.14%
  • Northern Trust Corp
    23.68K0.14%
  • State Street Corp
    21.83K0.13%
  • Community Trust & Investment Co
    17.38K0.11%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    193.79K1.17%
  • iShares Russell 2000 ETF
    95.19K0.58%
  • Fidelity Small Cap Index
    64.63K0.39%
  • iShares Russell 2000 Value ETF
    53.14K0.32%
  • EA Bridgeway Omni Small-Cap Value ETF
    49.21K0.30%
  • Vanguard Russell 2000 ETF
    34.97K0.21%
  • Fidelity Extended Market Index
    34.58K0.21%
  • Bridgeway Omni Small-Cap Value N
    22.97K0.14%
  • iShares Micro-Cap ETF
    21.73K0.13%

Dividends

20263×
0.01Sep 25, 20260.01Jun 26, 20260.01Mar 27, 2026
20254×
0.01Dec 26, 20250.01Sep 23, 20250.01Jun 23, 20250.01Mar 27, 2025
20244×
0.01Dec 27, 20240.08Sep 20, 20240.16Jun 25, 20240.16Mar 21, 2024
20234×
0.16Dec 21, 20230.16Sep 21, 20230.16Jun 22, 20230.16Mar 23, 2023
20224×
0.16Dec 22, 20220.16Sep 22, 20220.16Jun 23, 20220.16Mar 18, 2022
20214×
0.16Dec 22, 20210.15Sep 17, 20210.15Jun 18, 20210.15Mar 19, 2021
20201×
0.15Dec 23, 2020

Stock Splits

  • Dec 14, 202111:10
  • Dec 6, 201911:10
  • Dec 7, 201711:10