NASDAQ: FGBI
First Guaranty Bancshares Inc Stock

$9.29+0.06 (+0.65%)
Updated Feb 20, 2026
FGBI Price
$9.29
Fair Value Price
-$3.88
Market Cap
$142.63M
52 Week Low
$4.31
52 Week High
$10.55
P/E
-2.25x
P/B
0.65x
P/S
9.3x
PEG
N/A
Dividend Yield
0.43%
Revenue
$13.04M
Earnings
-$57.46M
Gross Margin
100%
Operating Margin
-539.36%
Profit Margin
-458.7%
Debt to Equity
16.18
Operating Cash Flow
$35M
Beta
0.51
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

FGBI Overview

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 also 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 operates through 36 banking facilities primarily located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, Alexandria, Dallas-Fort Worth-Arlington, Waco, Kentucky, and West Virginia. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.

Zen Rating

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Zen Rating Component Grades

N/A
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Industry: Bank

Industry Rating
D
FGBI
Ranked
Unranked of 277

Top Ranked Stocks in Industry

Name / TickerPriceZen Rating
$7.05B
$84.47B
$23.07B
View Top Bank Stocks

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Overview

Due Diligence Score

Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how FGBI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

FGBI ($9.29) is overvalued by 339.66% relative to our estimate of its Fair Value price of -$3.88 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
FGBI ($9.29) is not significantly undervalued (339.66%) relative to our estimate of its Fair Value price of -$3.88 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
FGBI is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more FGBI due diligence checks available for Premium users.

Valuation

FGBI fair value

Fair Value of FGBI stock based on Discounted Cash Flow (DCF)

Price
$9.29
Fair Value
-$3.88
Undervalued by
339.66%
FGBI ($9.29) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FGBI ($9.29) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FGBI is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

FGBI price to earnings (PE)

For valuing profitable companies with steady earnings

Company
-2.25x
Industry
17.06x
Market
44.63x

FGBI price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
0.65x
Industry
1.41x
FGBI is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FGBI's financial health

Profit margin

Revenue
-$23.8M
Net Income
-$45.0M
Profit Margin
191.3%
FGBI's Earnings (EBIT) of -$70.31M... subscribe to Premium to read more.
Interest Coverage Financials
FGBI's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$3.8B
Liabilities
$3.6B
Debt to equity
16.18
FGBI's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
FGBI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$29.4M
Investing
$136.1M
Financing
-$126.2M
FGBI's operating cash flow ($35.48M)... subscribe to Premium to read more.
Debt Coverage Financials

FGBI vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
FGBI$142.63M+0.65%-2.25x0.65x
SRBKD$140.70M-0.65%31.85x0.75x
PNBKC$144.89M-8.03%-0.47x1.52x
BCBPC$146.96M+0.95%142.17x0.46x
RMBI$147.45M+0.14%12.94x1.05x

First Guaranty Bancshares Stock FAQ

What is First Guaranty Bancshares's quote symbol?

(NASDAQ: FGBI) First Guaranty Bancshares trades on the NASDAQ under the ticker symbol FGBI. First Guaranty Bancshares stock quotes can also be displayed as NASDAQ: FGBI.

If you're new to stock investing, here's how to buy First Guaranty Bancshares stock.

What is the 52 week high and low for First Guaranty Bancshares (NASDAQ: FGBI)?

(NASDAQ: FGBI) First Guaranty Bancshares's 52-week high was $10.55, and its 52-week low was $4.31. It is currently -11.94% from its 52-week high and 115.55% from its 52-week low.

How much is First Guaranty Bancshares stock worth today?

(NASDAQ: FGBI) First Guaranty Bancshares currently has 15,352,947 outstanding shares. With First Guaranty Bancshares stock trading at $9.29 per share, the total value of First Guaranty Bancshares stock (market capitalization) is $142.63M.

First Guaranty Bancshares stock was originally listed at a price of $13.13 in Nov 6, 2015. If you had invested in First Guaranty Bancshares stock at $13.13, your return over the last 10 years would have been -29.24%, for an annualized return of -3.4% (not including any dividends or dividend reinvestments).

How much is First Guaranty Bancshares's stock price per share?

(NASDAQ: FGBI) First Guaranty Bancshares stock price per share is $9.29 today (as of Feb 20, 2026).

What is First Guaranty Bancshares's Market Cap?

(NASDAQ: FGBI) First Guaranty Bancshares's market cap is $142.63M, as of Feb 23, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

First Guaranty Bancshares's market cap is calculated by multiplying FGBI's current stock price of $9.29 by FGBI's total outstanding shares of 15,352,947.
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