First Guaranty Bancshares Inc

First Guaranty Bancshares Inc has a market price of $9.16, with a market capitalization of $146.82 million. The company's price-to-book ratio is 0.58, indicating that the market values the company at a discount to its book value. The enterprise value to revenue ratio is 9.58, suggesting a relatively high valuation relative to its revenue. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.

The company's profitability is weak, with a return on equity of -2.45% and a return on assets of -0.16%, both significantly below the industry median for banks. The net income for the period is negative at -$6.17 million, indicating a loss, while the operating cash flow is positive at $5.39 million. The free cash flow is negative at -$6.57 million, suggesting that the company is not generating sufficient cash to cover its capital expenditures and other operational needs.

First Guaranty's revenue is concentrated in a single business segment, as disclosed in its financial statements. The company does not provide detailed geographic revenue breakdowns, but its operations are primarily focused in the United States. The lack of geographic diversification may expose the company to regional economic downturns or regulatory changes.

The company's growth trajectory is uncertain, with no specific revenue growth projections provided in the available data. The negative net income and weak return metrics suggest that the company is not currently expanding its profitability. The capital expenditure for the period is -$208,000, indicating a reduction in investment in physical assets.

The risk assessment for First Guaranty highlights medium liquidity risk and low dilution risk. The company's debt-to-equity ratio is 0.26, which is relatively low, but the negative net cash position after subtracting total debt raises concerns about its ability to meet short-term obligations. The dilution risk is assessed as low, with no significant dilution potential identified in the basic shares outstanding.

Recent events and filings do not indicate any major changes in the company's operations or strategic direction. The company's financial performance and risk profile remain consistent with the latest available data.

First Guaranty Bancshares Inc (FGBI.O) has entered the scope of active monitoring, marking the first analysis for this ticker with no prior basis for delta computation. This initial coverage establishes a baseline for tracking the company's financial trajectory and market positioning, providing a fresh starting point for evaluating future performance metrics and strategic developments. The most material development in this initial snapshot is a series of notable additions to the shareholder registry. Multiple investors have initiated new positions in the bank, signaling early institutional or sophisticated investor interest. These additions include significant share acquisitions reported across various filing periods, ranging from mid-2024 to the first quarter of 2026. Specifically, one investor added 297,835 shares valued at approximately $1.6 million as of December 31, 2025, representing the largest single position among the new holders. Other notable additions include positions established as of June 30, 2024, and March 31, 2026, with share counts ranging from 2,195 to 23,677. These entries reflect a broadening of the ownership base, with nine top holders now identified in the company's profile. This influx of new capital suggests growing confidence in First Guaranty Bancshares' prospects, even as the company remains outside of major index memberships. With only one officer and two analysts currently covering the stock, the emergence of these new holders may indicate that investors are identifying value ahead of broader market recognition. The lack of prior comparative data means these initial holdings serve as the primary reference point for assessing future changes in ownership concentration and investor sentiment.

Total assets grew 9.1% annually over five years, indicating successful balance sheet expansion despite recent profitability challenges.

The company maintains a low debt-to-equity ratio of 0.26, reflecting a conservative capital structure within the banking sector.

Analysts assign a hold rating with a $9 target, implying 4.3% downside from the current $9.4 market price.

Revenue $20.2M; Net margin 12.1%.

• ▍Revenue $20.2M
• ▍Net margin 12.1%

Revenue $22.2M; Net margin -202.4%.

• ▍Revenue $22.2M
• ▍Net margin -202.4%

Revenue $22.2M; Net margin -32.8%.

• ▍Revenue $22.2M
• ▍Net margin -32.8%

Revenue $22.2M; Net margin -27.7%.

• ▍Revenue $22.2M
• ▍Net margin -27.7%

Revenue $86.9M, −1,7% YoY; Net income −550,0% YoY.

• ▍Revenue $86.9M, −1,7% YoY
• ▍Net income −550,0% YoY
• ▍Free cash flow −1 547,3% YoY
• ▍Net margin -64.4%

Revenue $88.4M, +4,4% YoY; Net income +35,0% YoY.

• ▍Revenue $88.4M, +4,4% YoY
• ▍Net income +35,0% YoY
• ▍Free cash flow +129,7% YoY
• ▍Net margin 14.1%

Revenue $84.7M, −15,3% YoY; Net income −68,1% YoY.

• ▍Revenue $84.7M, −15,3% YoY
• ▍Net income −68,1% YoY
• ▍Free cash flow −172,4% YoY
• ▍Net margin 10.9%

Revenue $100.0M, +11,6% YoY; Net income +5,8% YoY.

• ▍Revenue $100.0M, +11,6% YoY
• ▍Net income +5,8% YoY
• ▍Free cash flow −9,0% YoY
• ▍Net margin 28.9%

Revenue $89.6M; Net margin 30.5%.

• ▍Revenue $89.6M
• ▍Net margin 30.5%