First Guaranty Bancshares (FGBI) Stock Price, News & Analysis

Company Overview

First Guaranty Bancshares, Inc. is a bank holding company headquartered in Hammond, Louisiana. Through its principal subsidiary, First Guaranty Bank, the company provides a full range of commercial banking services to individuals, small businesses, agricultural enterprises and municipalities. As a community-focused institution, it emphasizes relationship banking, striving to deliver personalized financial solutions in its core markets.

First Guaranty Bank offers a comprehensive suite of deposit products and lending solutions. Its deposit portfolio includes checking and savings accounts, money market accounts and certificates of deposit, complemented by digital and mobile banking platforms. On the lending side, the bank extends commercial real estate and construction loans, working capital lines of credit, consumer loans and agricultural financing. Additionally, it provides treasury management services, merchant payment processing and cash management tools designed to help clients optimize liquidity and streamline operations.

With a branch network concentrated in southern Louisiana and eastern Texas, First Guaranty Bancshares serves both urban and rural communities across its footprint. The company has strategically expanded over the years to enhance market coverage while preserving its community bank ethos. Its customer base spans diverse sectors, including retail, energy, hospitality and professional services, reflecting the economic characteristics of its operating regions.

Founded in 1934, First Guaranty Bank has grown from a single-office institution into a regional banking franchise. Under the leadership of President and Chief Executive Officer Stephan P. Lepre, the company places strong emphasis on sound risk management, regulatory compliance and corporate governance. Its board of directors and executive team draw on decades of industry experience to guide strategic initiatives, support local communities and maintain the institution’s commitment to personalized banking relationships.

Key Stats

• Today's Range: $8.77 to $9.06
• 50-Day Range: $7.41 to $10.33
• 52-Week Range: $6.56 to $15.25
• Volume: 26,731 shs
• Average Volume: 13,275 shs
• Market Capitalization: $116.14 million
• P/E Ratio: 69.31
• Dividend Yield: 0.44%
• Price Target: N/A
• Consensus Rating: N/A

First Guaranty Bancshares Stock Analysis - MarketRank™

First Guaranty Bancshares scored higher than 90% of companies evaluated by MarketBeat, and ranked 134th out of 901 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for First Guaranty Bancshares.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 37.08%

Earnings Growth

Earnings for First Guaranty Bancshares are expected to grow by 37.08% in the coming year, from $0.89 to $1.22 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Guaranty Bancshares is 69.31, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.86.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Guaranty Bancshares is 69.31, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Book Value per Share Ratio

First Guaranty Bancshares has a P/B Ratio of 0.51. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.34% of the float of First Guaranty Bancshares has been sold short.

Short Interest Ratio / Days to Cover

First Guaranty Bancshares has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Guaranty Bancshares has recently decreased by 73.04%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

First Guaranty Bancshares has a dividend yield of 0.45%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Guaranty Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of First Guaranty Bancshares is 30.77%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Guaranty Bancshares will have a dividend payout ratio of 3.28% next year. This indicates that First Guaranty Bancshares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.1 / 5
• Environmental Score: -0.71

Percentage of Shares Shorted

0.34% of the float of First Guaranty Bancshares has been sold short.

Short Interest Ratio / Days to Cover

First Guaranty Bancshares has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Guaranty Bancshares has recently decreased by 73.04%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.6 / 5
• News Sentiment: 1.44

News Sentiment

First Guaranty Bancshares has a news sentiment score of 1.44. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for First Guaranty Bancshares this week, compared to 1 article on an average week.

Search Interest

2 people have searched for FGBI on MarketBeat in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, First Guaranty Bancshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $342,330.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

47.20% of the stock of First Guaranty Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 39.52% of the stock of First Guaranty Bancshares is held by institutions.

FGBI Stock Analysis - Frequently Asked Questions

How have FGBI shares performed this year?

First Guaranty Bancshares' stock was trading at $11.36 at the start of the year. Since then, FGBI stock has decreased by 20.7% and is now trading at $9.01.

How were First Guaranty Bancshares' earnings last quarter?

First Guaranty Bancshares, Inc. (NASDAQ:FGBI) announced its quarterly earnings data on Monday, May, 12th. The bank reported ($0.54) earnings per share for the quarter, missing the consensus estimate of $0.17 by $0.71. The bank had revenue of $56.82 million for the quarter, compared to analysts' expectations of $27.90 million. First Guaranty Bancshares had a trailing twelve-month return on equity of 1.78% and a net margin of 1.59%.

When did First Guaranty Bancshares IPO?

First Guaranty Bancshares (FGBI) raised $92 million in an initial public offering on Friday, December 19th 2014. The company issued 4,600,000 shares at $19.00-$21.00 per share. Raymond James served as the underwriter for the IPO and Keefe, Bruyette & Woods (A Stifel Company) and Sterne Agee were co-managers.

How do I buy shares of First Guaranty Bancshares?

Shares of FGBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Guaranty Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Guaranty Bancshares investors own include Bank of America (BAC), JPMorgan Chase & Co. (JPM), Meta Platforms (META), M&T Bank (MTB), Occidental Petroleum (OXY), Pfizer (PFE) and Piper Sandler Companies (PIPR).

Company Calendar

• Last Earnings: 5/12/2025
• Record date for 6/30 Dividend: 6/23/2025
• Ex-Dividend for 6/30 Dividend: 6/23/2025
• Dividend Payable: 6/30/2025
• Today: 7/07/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FGBI
• CIK: 1408534
• Web: www.fgb.net
• Phone: (985) 345-7685
• Fax: 985-375-0355
• Employees: 490
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.13
• Trailing P/E Ratio: 69.31
• Forward P/E Ratio: 10.12
• P/E Growth: N/A
• Net Income: $12.45 million
• Net Margins: 1.59%
• Pretax Margin: 2.03%
• Return on Equity: 1.78%
• Return on Assets: 0.10%

Debt

• Debt-to-Equity Ratio: 0.92
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $246.45 million
• Price / Sales: 0.47
• Cash Flow: $1.17 per share
• Price / Cash Flow: 7.73
• Book Value: $17.75 per share
• Price / Book: 0.51

Miscellaneous

• Outstanding Shares: 12,890,000
• Free Float: 6,805,000
• Market Cap: $116.14 million
• Optionable: Not Optionable
• Beta: 0.40