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First Guaranty Bancshares (FGBIP) Financials

$20.00 -0.04 (-0.20%)
As of 07/10/2026 03:47 PM Eastern
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Annual Income Statements for First Guaranty Bancshares

Annual Income Statements for First Guaranty Bancshares

This table shows First Guaranty Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 14 14 12 14 14 20 26 27 6.89 10 -58
Consolidated Net Income / (Loss)		 15 14 12 14 14 20 27 29 9.22 12 -56
Net Income / (Loss) Continuing Operations		 15 14 12 14 14 20 27 29 9.22 12 -56
Total Pre-Tax Income 		21 21 19 18 18 26 34 36 12 16 -69
Total Revenue		 56 58 61 62 70 98 100 111 95 113 95
Net Interest Income / (Expense)		 47 48 53 57 62 75 90 100 85 88 87
Total Interest Income		 56 59 68 78 92 101 112 137 183 222 213
Loans and Leases Interest Income		 43 45 54 65 79 91 103 126 167 190 159
Investment Securities Interest Income		 13 13 13 13 9.80 9.47 8.25 9.25 9.60 14 25
Deposits and Money Market Investments Interest Income		 0.07 0.07 0.18 0.61 2.96 0.40 0.32 1.32 6.27 17 30
Total Interest Expense		 8.61 10 14 21 30 26 22 37 98 133 126
Deposits Interest Expense		 8.44 8.67 13 20 28 23 20 33 88 120 116
Long-Term Debt Interest Expense		 0.17 1.47 1.55 1.74 1.85 2.75 1.97 3.52 11 14 11
Total Non-Interest Income		 8.96 9.46 8.34 5.28 8.30 24 11 11 11 25 8.48
Other Service Charges		 5.65 5.64 6.63 6.83 7.08 7.94 9.10 9.25 11 9.95 9.00
Net Realized & Unrealized Capital Gains on Investments		 3.30 3.81 1.71 -1.55 1.22 16 1.66 1.76 0.04 15 -0.52
Provision for Credit Losses		 3.86 3.71 3.82 1.35 4.86 15 2.06 3.66 3.71 20 82
Total Non-Interest Expense		 31 33 39 43 47 58 64 71 80 77 82
Salaries and Employee Benefits		 15 17 20 23 25 30 32 37 40 38 30
Net Occupancy & Equipment Expense		 3.85 4.24 4.51 5.60 6.10 7.71 8.68 8.93 9.03 10 10
Other Operating Expenses		 12 12 14 15 16 21 23 25 30 29 29
Impairment Charge		 - - - - - - - - - 0.00 13
Income Tax Expense		 6.96 7.16 7.40 3.46 3.66 5.22 7.16 7.51 2.68 3.56 -13
Preferred Stock Dividends Declared		 0.38 - - - 0.00 0.00 1.38 2.33 2.33 2.33 2.33
Basic Earnings per Share		 $1.83 $1.68 $1.21 $1.47 $1.34 $1.90 $2.42 $2.48 $0.62 $0.81 ($4.17)
Weighted Average Basic Shares Outstanding		 7.71M 8.37M 9.69M 9.69M 10.67M 10.72M 10.72M 10.72M 11.17M 12.50M 13.99M
Weighted Average Diluted Shares Outstanding		 7M 8.40M 8.60M 8.80M 9.74M 9.74M 10.72M 10.72M 12.50M 12.50M 15.79M
Weighted Average Basic & Diluted Shares Outstanding		 7M 8.40M 8.60M 8.80M 9.74M 9.74M 10.72M 10.72M 12.50M 12.50M 15.79M
Cash Dividends to Common per Share		 $0.54 $0.58 $0.54 $0.58 $0.54 $0.58 $0.60 $0.64 $0.64 $0.41 $0.04

Quarterly Income Statements for First Guaranty Bancshares

This table shows First Guaranty Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 1.19 0.72 1.73 6.62 1.35 0.43 -6.75 -7.89 -46 1.87 2.16
Consolidated Net Income / (Loss)		 1.77 1.30 2.31 7.20 1.93 1.01 -6.17 -7.30 -45 2.45 2.74
Net Income / (Loss) Continuing Operations		 1.77 1.30 2.31 7.20 1.93 1.01 -6.17 -7.30 -45 2.45 2.74
Total Pre-Tax Income 		2.31 1.62 2.99 9.35 2.49 1.17 -7.99 -9.48 -54 2.92 3.54
Total Revenue		 23 24 24 37 27 25 25 24 24 22 23
Net Interest Income / (Expense)		 20 21 22 21 23 23 22 22 22 20 21
Total Interest Income		 48 50 53 54 57 58 54 54 54 51 52
Loans and Leases Interest Income		 43 45 47 48 50 46 43 41 39 35 33
Investment Securities Interest Income		 2.32 2.47 2.51 2.47 2.97 5.97 5.50 5.80 6.40 7.34 10
Deposits and Money Market Investments Interest Income		 1.90 2.55 3.48 3.63 4.65 5.65 6.00 7.51 7.78 8.36 8.64
Total Interest Expense		 27 29 31 32 35 35 32 32 31 31 32
Deposits Interest Expense		 24 26 28 29 31 32 29 29 29 28 29
Long-Term Debt Interest Expense		 3.58 3.41 3.21 3.58 3.77 3.04 2.88 2.84 2.50 2.61 2.43
Total Non-Interest Income		 2.49 2.57 2.31 16 4.41 2.50 2.35 2.16 1.86 2.11 2.21
Other Service Charges		 2.50 2.55 2.30 2.31 2.90 2.43 2.35 2.16 2.23 2.27 2.16
Net Realized & Unrealized Capital Gains on Investments		 -0.01 0.02 0.01 13 1.50 0.07 0.00 0.00 -0.37 -0.16 0.05
Provision for Credit Losses		 0.63 2.23 2.30 6.81 4.90 6.02 15 17 48 2.64 2.63
Total Non-Interest Expense		 20 20 19 21 20 18 18 17 30 17 17
Salaries and Employee Benefits		 10 10 9.90 10 10 7.87 8.44 7.84 7.47 6.72 7.35
Net Occupancy & Equipment Expense		 2.12 2.49 2.27 2.55 2.54 2.83 2.64 2.61 2.61 2.43 2.46
Other Operating Expenses		 7.45 7.23 6.76 7.62 7.07 7.19 6.94 6.82 7.21 7.64 6.91
Income Tax Expense		 0.54 0.32 0.68 2.15 0.57 0.16 -1.82 -2.18 -9.01 0.47 0.80
Preferred Stock Dividends Declared		 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58
Basic Earnings per Share		 $0.10 $0.06 $0.14 $0.53 $0.11 $0.03 ($0.54) ($0.61) ($3.01) ($0.01) $0.14
Weighted Average Basic Shares Outstanding		 11.43M 11.17M 12.49M 12.50M 12.50M 12.50M 12.51M 12.91M 15.12M 13.99M 15.80M
Weighted Average Diluted Shares Outstanding		 11.43M 12.50M 12.50M 12.50M 12.50M 12.50M 12.89M 15.12M 15.35M 15.79M 16.46M
Weighted Average Basic & Diluted Shares Outstanding		 11.43M 12.50M 12.50M 12.50M 12.50M 12.50M 12.89M 15.12M 15.35M 15.79M 16.46M
Cash Dividends to Common per Share		 $0.16 $0.16 $0.16 $0.16 $0.08 $0.01 $0.01 $0.01 $0.01 $0.01 $0.01

Annual Cash Flow Statements for First Guaranty Bancshares

This table details how cash moves in and out of First Guaranty Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -7.30 -19 20 90 -61 232 -38 -179 203 278 281
Net Cash From Operating Activities		 17 22 12 27 29 24 27 37 22 34 -8.28
Net Cash From Continuing Operating Activities		 17 22 12 27 29 24 27 37 22 34 -8.28
Net Income / (Loss) Continuing Operations		 15 14 12 14 14 20 27 29 9.22 12 -56
Consolidated Net Income / (Loss)		 15 14 12 14 14 20 27 29 9.22 12 -56
Provision For Loan Losses		 3.86 3.71 3.82 1.35 4.86 15 2.06 3.66 3.71 20 82
Depreciation Expense		 2.00 2.19 2.44 3.29 3.06 3.78 4.78 4.11 4.03 4.43 4.29
Amortization Expense		 2.04 2.24 1.79 1.45 1.35 2.59 -0.10 1.80 0.99 -2.56 -3.13
Non-Cash Adjustments to Reconcile Net Income		 -2.72 -3.58 -1.68 1.44 -1.12 -15 -1.16 -1.76 -0.24 -15 16
Changes in Operating Assets and Liabilities, net		 -2.46 3.56 -5.85 5.15 6.69 -3.27 -6.35 0.18 4.01 14 -52
Net Cash From Investing Activities		 47 -68 -83 6.79 -132 -128 -453 -468 -206 -142 130
Net Cash From Continuing Investing Activities		 47 -68 -83 6.79 -132 -128 -453 -468 -206 -142 130
Purchase of Property, Leasehold Improvements and Equipment		 -4.40 -4.11 -6.81 -3.79 -12 -6.31 -2.20 -2.64 -15 -3.04 -1.70
Purchase of Investment Securities		 -758 -1,154 -629 -386 -274 -1,078 -873 -523 -246 -333 -72
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.98 0.05 0.05 0.01 0.13 0.08 0.07 0.32 15 1.14
Sale and/or Maturity of Investments		 809 1,089 555 396 301 1,279 423 58 54 179 202
Other Investing Activities, net		 - - - - -124 -323 - - 0.00 -0.25 0.00
Net Cash From Financing Activities		 -72 26 91 56 42 337 388 252 388 386 160
Net Cash From Continuing Financing Activities		 -72 26 91 56 42 337 388 252 388 386 160
Net Change in Deposits		 -76 30 96 80 18 313 430 127 285 467 157
Issuance of Debt		 40 4.70 3.75 0.00 32 36 -50 0.00 195 -30 0.11
Issuance of Common Equity		 9.34 - 0.00 0.00 1.00 0.00 - 0.00 20 0.00 7.05
Repayment of Debt		 -0.60 -3.73 -3.78 -18 -3.78 -6.30 -17 134 -103 -44 -1.01
Payment of Dividends		 -4.63 -4.87 -5.21 -5.64 -5.80 -6.23 -7.78 -9.19 -9.70 -7.46 -2.89
Cash Interest Paid		 8.90 9.92 14 20 28 27 23 37 91 125 129
Cash Income Taxes Paid		 8.40 3.00 11 2.40 3.27 4.83 11 7.62 3.43 0.00 4.15

Quarterly Cash Flow Statements for First Guaranty Bancshares

This table details how cash moves in and out of First Guaranty Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 55 85 46 -33 69 197 54 96 39 92 -112
Net Cash From Operating Activities		 -2.87 13 2.00 7.90 4.85 19 5.39 -18 29 -25 51
Net Cash From Continuing Operating Activities		 -2.87 13 2.00 7.90 4.85 19 5.39 -18 29 -25 51
Net Income / (Loss) Continuing Operations		 1.77 1.30 2.31 7.20 1.93 1.01 -6.17 -7.30 -45 2.45 2.74
Consolidated Net Income / (Loss)		 1.77 1.30 2.31 7.20 1.93 1.01 -6.17 -7.30 -45 2.45 2.74
Provision For Loan Losses		 0.63 2.23 2.30 6.81 4.90 6.02 15 17 48 2.64 2.63
Depreciation Expense		 1.01 1.00 1.00 1.18 1.05 1.21 1.10 1.09 1.07 1.03 0.98
Amortization Expense		 0.23 0.28 0.14 0.06 -0.19 -2.57 -1.43 -0.68 -0.58 -0.44 -1.11
Non-Cash Adjustments to Reconcile Net Income		 0.04 -0.16 -0.12 -13 -1.32 -0.01 0.01 0.72 14 1.90 0.94
Changes in Operating Assets and Liabilities, net		 -6.54 8.23 -3.64 6.10 -1.51 13 -2.66 -29 12 -32 44
Net Cash From Investing Activities		 -118 -62 42 -77 -240 133 186 -29 136 -162 -37
Net Cash From Continuing Investing Activities		 -118 -62 42 -77 -240 133 186 -29 136 -162 -37
Purchase of Property, Leasehold Improvements and Equipment		 -3.90 -6.60 -1.60 -1.29 0.14 -0.29 -0.21 -0.27 -0.69 -0.53 -0.17
Purchase of Investment Securities		 -114 -55 -4.20 -97 -247 16 75 -38 71 -180 -99
Sale of Property, Leasehold Improvements and Equipment		 - 0.05 0.01 15 0.09 0.08 0.00 - 1.23 -0.10 0.34
Sale and/or Maturity of Investments		 0.73 0.32 48 6.45 7.17 118 111 9.29 64 18 61
Net Cash From Financing Activities		 175 134 1.76 36 304 44 -137 144 -126 279 -125
Net Cash From Continuing Financing Activities		 175 134 1.76 36 304 44 -137 144 -126 279 -125
Net Change in Deposits		 48 194 55 -20 386 46 -137 142 -126 278 -125
Issuance of Debt		 124 40 -30 60 -60 59 0.10 0.00 - 0.00 0.00
Issuance of Common Equity		 - 10 0.33 - - -0.33 1.58 2.98 0.99 1.50 1.00
Repayment of Debt		 6.22 -108 -21 -1.01 -21 -60 -1.01 - - - 0.00
Payment of Dividends		 -2.41 -2.58 -2.58 -2.58 -1.58 -0.71 -0.71 -0.71 -0.73 -0.74 -0.74
Cash Interest Paid		 23 28 33 30 30 32 33 32 34 29 27
Cash Income Taxes Paid		 0.60 - 0.00 - - - 2.00 0.50 1.60 0.05 0.00

Annual Balance Sheets for First Guaranty Bancshares

This table presents First Guaranty Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,460 1,501 1,750 1,817 2,117 2,473 2,878 3,151 3,553 3,973 4,078
Cash and Due from Banks		 37 18 37 127 67 299 - 83 286 564 845
Federal Funds Sold		 0.58 0.27 0.82 0.55 0.91 0.70 0.18 0.42 0.34 0.43 0.55
Trading Account Securities		 546 499 502 405 427 239 364 452 404 603 999
Loans and Leases, Net of Allowance		 832 938 1,140 1,214 1,515 1,820 -24 2,496 2,718 2,659 2,029
Loans and Leases		 842 949 1,149 1,225 1,525 1,844 - 2,519 2,749 2,694 2,070
Allowance for Loan and Lease Losses		 9.42 11 9.23 11 11 25 24 24 31 35 41
Premises and Equipment, Net		 22 24 38 40 56 60 59 58 70 68 60
Intangible Assets		 1.39 1.06 4.42 3.53 7.17 6.59 5.92 4.98 4.30 3.47 2.64
Other Assets		 18 19 24 22 32 36 2,199 45 57 62 142
Total Liabilities & Shareholders' Equity		 1,460 1,501 1,750 1,817 2,117 2,473 2,878 3,151 3,553 3,973 4,078
Total Liabilities		 1,342 1,377 1,606 1,670 1,951 2,294 2,611 2,916 3,303 3,718 3,852
Non-Interest Bearing Deposits		 213 231 252 245 326 411 533 524 443 404 415
Interest Bearing Deposits		 1,083 1,095 1,298 1,385 1,527 1,755 2,064 2,199 2,566 3,072 3,218
Short-Term Debt		 1.80 6.50 16 0.00 6.84 6.12 6.44 26 16 7.01 7.12
Accrued Interest Payable		 1.71 1.93 2.49 3.95 6.05 5.29 4.48 4.29 12 20 18
Long-Term Debt		 40 37 37 35 80 111 - 157 259 195 179
Other Long-Term Liabilities		 1.73 5.26 1.74 1.82 5.37 6.25 3.62 4.91 6.84 19 15
Total Equity & Noncontrolling Interests		 118 124 144 147 166 179 224 235 250 255 226
Total Preferred & Common Equity		 118 124 144 147 166 179 224 235 250 255 226
Preferred Stock		 - - - - - 0.00 33 33 33 33 33
Total Common Equity		 118 124 144 147 166 179 191 202 217 222 193
Common Stock		 69 89 101 119 121 141 141 141 162 162 186
Retained Earnings		 50 39 44 35 43 37 57 76 68 73 14
Accumulated Other Comprehensive Income / (Loss)		 -0.90 -4.00 -1.56 -7.14 2.18 0.65 -6.63 -15 -13 -13 -7.31

Quarterly Balance Sheets for First Guaranty Bancshares

This table presents First Guaranty Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,418 3,556 3,616 3,924 3,829 3,970 3,797 3,959
Cash and Due from Banks		 201 332 299 363 618 714 754 733
Federal Funds Sold		 0.45 0.47 0.39 4.77 0.56 0.56 0.55 0.54
Trading Account Securities		 400 359 359 664 595 720 697 1,177
Loans and Leases, Net of Allowance		 2,667 2,721 2,803 2,736 2,470 2,352 2,194 1,886
Loans and Leases		 2,699 2,752 2,833 2,770 2,513 2,411 2,280 1,925
Allowance for Loan and Lease Losses		 32 31 30 33 43 59 86 38
Premises and Equipment, Net		 64 71 69 68 67 66 60 59
Intangible Assets		 4.37 4.09 3.88 3.67 3.27 3.06 2.85 2.43
Other Assets		 68 57 69 71 63 101 89 100
Total Liabilities & Shareholders' Equity		 3,418 3,556 3,616 3,924 3,829 3,970 3,797 3,959
Total Liabilities		 3,179 3,305 3,360 3,668 3,578 3,706 3,576 3,735
Non-Interest Bearing Deposits		 458 415 408 402 426 442 397 412
Interest Bearing Deposits		 2,357 2,649 2,636 3,028 2,914 3,039 2,958 3,096
Short-Term Debt		 28 6.83 6.97 6.98 7.11 7.12 7.12 7.12
Accrued Interest Payable		 11 10 13 18 20 19 16 23
Long-Term Debt		 315 218 277 196 194 179 179 179
Other Long-Term Liabilities		 11 6.78 20 17 18 20 19 18
Total Equity & Noncontrolling Interests		 239 250 255 256 251 263 221 224
Total Preferred & Common Equity		 239 250 255 256 251 263 221 224
Preferred Stock		 33 33 33 33 33 33 33 33
Total Common Equity		 206 217 222 223 218 230 188 191
Common Stock		 151 162 162 162 163 182 184 188
Retained Earnings		 69 68 72 73 66 58 12 16
Accumulated Other Comprehensive Income / (Loss)		 -14 -12 -12 -11 -11 -10 -8.36 -13

Annual Metrics And Ratios for First Guaranty Bancshares

This table displays calculated financial ratios and metrics derived from First Guaranty Bancshares' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 6,891,332.00 7,609,194.00 8,007,182.00 8,807,175.00 8,856,388.00 9,741,253.00 9,741,253.00 10,716,796.00 11,431,083.00 - 15,352,947.00
DEI Adjusted Shares Outstanding		 6,891,332.00 7,609,194.00 8,007,182.00 8,807,175.00 8,856,388.00 9,741,253.00 9,741,253.00 10,716,796.00 11,431,083.00 - 15,352,947.00
DEI Earnings Per Adjusted Shares Outstanding		 2.10 1.85 1.47 1.61 1.61 2.09 2.80 2.70 0.81 - -3.65
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 12.24% 2.52% 6.30% 1.32% 12.31% 40.69% 1.96% 10.63% -14.20% 18.78% -15.69%
EBITDA Growth		 21.29% 0.73% -8.97% -4.16% -0.48% 43.10% 22.61% 8.11% -60.03% 5.75% -476.89%
EBIT Growth		 28.43% -0.98% -9.91% -7.70% 1.26% 42.69% 34.92% 5.62% -67.31% 34.55% -528.34%
NOPAT Growth		 29.23% -2.84% -16.62% 20.95% 0.20% 42.67% 34.35% 5.81% -68.08% 35.03% -485.54%
Net Income Growth		 29.23% -2.84% -16.62% 20.95% 0.20% 42.67% 34.35% 5.81% -68.08% 35.03% -550.05%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 2.53% 29.03% -44.74% 119.06% 8.14% -18.29% 11.62% 39.01% -41.10% 55.33% -124.55%
Free Cash Flow Firm Growth		 -61.48% 324.34% -352.78% 266.63% -293.50% 61.00% 321.48% -336.67% 15.96% 182.61% -104.18%
Invested Capital Growth		 12.33% 4.45% 17.51% -7.67% 39.03% 16.79% -7.35% 52.95% 25.50% -12.96% -9.77%
Revenue Q/Q Growth		 0.43% 0.37% 4.35% -1.52% 5.44% 17.27% -5.49% -1.52% -2.24% 1.31% -2.78%
EBITDA Q/Q Growth		 1.94% 0.89% 1.46% -6.94% 8.95% 10.09% 6.58% -8.04% -23.24% -14.72% 5.21%
EBIT Q/Q Growth		 3.24% 0.06% 1.83% -9.55% 11.48% 11.43% 7.80% -9.38% -28.66% -2.73% 2.49%
NOPAT Q/Q Growth		 4.08% -1.43% -5.29% 0.79% 11.17% 11.39% 7.57% -9.20% -29.29% -2.30% 2.49%
Net Income Q/Q Growth		 4.08% -1.43% -5.29% 0.79% 11.17% 11.39% 7.57% -9.20% -29.29% -2.30% 2.51%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 35.70% -6.48% -11.94% 12.30% 5.10% 7.78% 44.36% -27.93% 78.72% 22.14% -123.34%
Free Cash Flow Firm Q/Q Growth		 -123.65% 161.35% -2,451.74% 3,065.44% -383.50% 75.73% -18.31% -55.49% 49.55% -40.48% -217.07%
Invested Capital Q/Q Growth		 6.16% -5.20% 4.51% -9.81% 30.03% -2.82% 1.61% 11.39% -9.76% -0.50% 1.27%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 45.19% 44.40% 38.02% 35.97% 31.87% 32.42% 38.98% 38.09% 17.75% 15.80% -70.63%
EBIT Margin		 38.05% 36.75% 31.14% 28.37% 25.58% 25.94% 34.33% 32.77% 12.49% 14.14% -71.85%
Profit (Net Income) Margin		 25.71% 24.36% 19.11% 22.81% 20.35% 20.64% 27.19% 26.01% 9.68% 11.00% -58.71%
Tax Burden Percent		 67.57% 66.30% 61.36% 80.41% 79.57% 79.56% 79.23% 79.37% 77.50% 77.77% 81.71%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 32.43% 33.70% 38.64% 19.59% 20.43% 20.44% 20.77% 20.63% 22.50% 22.23% 0.00%
Return on Invested Capital (ROIC)		 9.57% 8.59% 6.45% 7.51% 6.55% 7.42% 9.60% 8.35% 1.95% 2.54% -11.04%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.57% 8.59% 6.45% 7.51% 6.55% 7.42% 9.60% 8.35% 1.95% 2.54% -15.18%
Return on Net Nonoperating Assets (RNNOA)		 1.69% 3.03% 2.31% 2.25% 2.54% 4.38% 3.97% 4.24% 1.85% 2.40% -12.24%
Return on Equity (ROE)		 11.25% 11.62% 8.76% 9.76% 9.09% 11.79% 13.56% 12.59% 3.80% 4.93% -23.28%
Cash Return on Invested Capital (CROIC)		 -2.05% 4.24% -9.65% 15.48% -26.10% -8.07% 17.23% -33.52% -20.66% 16.40% -0.77%
Operating Return on Assets (OROA)		 1.44% 1.44% 1.18% 0.99% 0.91% 1.11% 1.29% 1.21% 0.35% 0.43% -1.70%
Return on Assets (ROA)		 0.97% 0.95% 0.72% 0.80% 0.72% 0.89% 1.02% 0.96% 0.28% 0.33% -1.39%
Return on Common Equity (ROCE)		 9.53% 11.62% 8.76% 9.76% 9.09% 11.79% 12.45% 10.78% 3.29% 4.29% -20.08%
Return on Equity Simple (ROE_SIMPLE)		 12.27% 11.33% 8.16% 9.65% 8.58% 11.38% 12.19% 12.29% 3.69% 4.88% -24.76%
Net Operating Profit after Tax (NOPAT)		 15 14 12 14 14 20 27 29 9.22 12 -48
NOPAT Margin		 25.71% 24.36% 19.11% 22.81% 20.35% 20.64% 27.19% 26.01% 9.68% 11.00% -50.30%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 4.14%
SG&A Expenses to Revenue		 34.28% 35.99% 40.03% 45.73% 44.47% 37.90% 40.71% 41.09% 51.90% 42.85% 42.71%
Operating Expenses to Revenue		 55.11% 56.85% 62.64% 69.46% 67.48% 58.95% 63.63% 63.94% 83.62% 68.16% 86.20%
Earnings before Interest and Taxes (EBIT)		 21 21 19 18 18 26 34 36 12 16 -69
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 25 26 23 22 22 32 39 42 17 18 -67
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.60 0.83 0.89 0.91 0.86 0.75 0.92 1.13 0.56 0.64 0.43
Price to Tangible Book Value (P/TBV)		 0.61 0.85 0.94 0.95 0.98 0.84 1.02 1.24 0.61 0.69 0.43
Price to Revenue (P/Rev)		 1.25 1.78 2.07 2.14 2.04 1.36 1.74 2.05 1.27 1.25 0.86
Price to Earnings (P/E)		 4.98 7.30 10.86 9.40 10.03 6.60 6.75 8.56 17.55 14.02 0.00
Dividend Yield		 1.57% 4.73% 4.02% 4.22% 3.97% 4.65% 3.56% 3.02% 6.05% 3.61% 0.75%
Earnings Yield		 20.06% 13.69% 9.21% 10.64% 9.97% 15.14% 14.81% 11.68% 5.70% 7.13% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.46 0.76 0.72 0.22 0.64 0.00 0.78 0.86 0.27 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 1.32 2.21 2.32 0.65 2.32 0.00 2.13 3.25 1.50 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 2.92 4.99 6.09 1.79 7.27 0.00 5.48 8.53 8.45 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 3.46 6.02 7.44 2.27 9.06 0.00 6.22 9.91 12.01 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 5.13 9.09 12.13 2.83 11.39 0.00 7.85 12.49 15.50 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.32 5.77 11.61 1.50 5.58 0.00 8.08 9.78 6.58 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 18.40 0.00 1.37 0.00 0.00 4.37 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.36 0.35 0.37 0.23 0.52 0.65 0.03 0.78 1.10 0.79 0.82
Long-Term Debt to Equity		 0.34 0.30 0.26 0.23 0.48 0.62 0.00 0.67 1.04 0.76 0.79
Financial Leverage		 0.18 0.35 0.36 0.30 0.39 0.59 0.41 0.51 0.95 0.95 0.81
Leverage Ratio		 11.55 12.21 12.12 12.25 12.56 13.32 13.30 13.14 13.83 14.91 16.73
Compound Leverage Factor		 11.55 12.21 12.12 12.25 12.56 13.32 13.30 13.14 13.83 14.91 16.73
Debt to Total Capital		 26.31% 25.80% 26.88% 19.00% 34.32% 39.51% 2.80% 43.83% 52.45% 44.19% 45.14%
Short-Term Debt to Total Capital		 1.12% 3.88% 7.87% 0.00% 2.71% 2.07% 2.80% 6.32% 3.10% 1.53% 1.73%
Long-Term Debt to Total Capital		 25.19% 21.92% 19.01% 19.00% 31.61% 37.43% 0.00% 37.51% 49.35% 42.65% 43.41%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 14.35% 7.90% 6.30% 7.23% 8.02%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.69% 74.20% 73.12% 81.00% 65.68% 60.49% 82.85% 48.27% 41.25% 48.58% 46.84%
Debt to EBITDA		 1.66 1.68 2.26 1.54 3.89 3.65 0.16 4.34 16.29 11.29 -2.76
Net Debt to EBITDA		 0.16 0.98 0.64 -4.17 0.87 -5.73 0.16 2.37 -0.65 -20.26 9.79
Long-Term Debt to EBITDA		 1.59 1.43 1.60 1.54 3.58 3.46 0.00 3.71 15.32 10.90 -2.66
Debt to NOPAT		 2.91 3.07 4.51 2.43 6.09 5.74 0.24 6.35 29.87 16.22 -3.88
Net Debt to NOPAT		 0.27 1.78 1.27 -6.57 1.36 -9.01 0.23 3.47 -1.20 -29.10 13.74
Long-Term Debt to NOPAT		 2.79 2.61 3.19 2.43 5.61 5.44 0.00 5.43 28.10 15.66 -3.73
Noncontrolling Interest Sharing Ratio		 15.30% 0.00% 0.00% 0.00% 0.00% 0.00% 8.21% 14.41% 13.64% 13.10% 13.74%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -3.10 6.96 -18 29 -57 -22 49 -116 -97 81 -3.37
Operating Cash Flow to CapEx		 391.61% 710.56% 181.50% 718.77% 243.92% 384.08% 1,246.83% 1,432.76% 149.43% 0.00% -1,483.87%
Free Cash Flow to Firm to Interest Expense		 -0.36 0.69 -1.22 1.37 -1.89 -0.85 2.20 -3.17 -0.99 0.60 -0.03
Operating Cash Flow to Interest Expense		 2.00 2.19 0.85 1.26 0.97 0.91 1.19 1.01 0.22 0.25 -0.07
Operating Cash Flow Less CapEx to Interest Expense		 1.49 1.88 0.38 1.08 0.57 0.68 1.09 0.94 0.07 0.34 -0.07
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.03 0.04 0.04 0.04 0.04 0.03 0.03 0.02
Fixed Asset Turnover		 2.74 2.54 2.00 1.60 1.46 1.69 1.69 1.90 1.49 1.65 1.50
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 160 168 197 182 253 295 274 418 525 457 412
Invested Capital Turnover		 0.37 0.35 0.34 0.33 0.32 0.36 0.35 0.32 0.20 0.23 0.22
Increase / (Decrease) in Invested Capital		 18 7.13 29 -15 71 42 -22 145 107 -68 -45
Enterprise Value (EV)		 74 128 142 40 162 -49 214 361 143 -187 -544
Market Capitalization		 70 103 128 134 143 134 175 227 121 142 82
Book Value per Share		 $17.16 $16.34 $17.98 $16.72 $18.75 $18.33 $19.59 $18.84 $18.95 $17.75 $12.58
Tangible Book Value per Share		 $16.66 $15.94 $17.00 $15.93 $16.48 $16.33 $17.66 $17.17 $17.44 $16.44 $12.41
Total Capital		 160 168 197 182 253 295 230 418 525 457 412
Total Debt		 42 43 53 35 87 117 6.44 183 275 202 186
Total Long-Term Debt		 40 37 37 35 80 111 0.00 157 259 195 179
Net Debt		 3.95 25 15 -93 19 -183 6.26 100 -11 -362 -660
Capital Expenditures (CapEx)		 4.40 3.13 6.76 3.74 12 6.19 2.13 2.57 15 -12 0.56
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.03
Net Nonoperating Obligations (NNO)		 42 43 53 35 87 117 50 183 275 202 186
Total Depreciation and Amortization (D&A)		 4.03 4.43 4.23 4.73 4.40 6.38 4.67 5.91 5.01 1.88 1.16
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.01 $1.85 $1.37 $1.61 $1.47 $2.09 $2.42 $2.48 $0.62 $0.81 ($4.17)
Adjusted Weighted Average Basic Shares Outstanding		 7.01M 7.61M 8.61M 8.81M 9.70M 9.74M 10.72M 10.72M 11.17M 12.50M 13.99M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 7.61M 7.61M 8.81M 8.81M 9.74M 9.74M 10.72M 10.72M 12.50M 12.50M 15.79M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.61M 7.61M 8.81M 8.81M 9.74M 9.74M 10.72M 10.72M 12.50M 12.50M 15.79M
Normalized Net Operating Profit after Tax (NOPAT)		 15 14 12 14 14 20 27 29 9.22 12 -39
Normalized NOPAT Margin		 25.71% 24.36% 19.11% 22.81% 20.35% 20.64% 27.19% 26.01% 9.68% 11.00% -40.83%
Pre Tax Income Margin		 38.05% 36.75% 31.14% 28.37% 25.58% 25.94% 34.33% 32.77% 12.49% 14.14% -71.85%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.49 2.10 1.33 0.83 0.60 0.98 1.55 1.00 0.12 0.12 -0.54
NOPAT to Interest Expense		 1.69 1.39 0.82 0.67 0.48 0.78 1.22 0.79 0.09 0.09 -0.38
EBIT Less CapEx to Interest Expense		 1.98 1.79 0.86 0.65 0.20 0.74 1.45 0.93 -0.03 0.21 -0.55
NOPAT Less CapEx to Interest Expense		 1.17 1.08 0.35 0.49 0.08 0.54 1.13 0.72 -0.05 0.18 -0.38
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.93% 34.56% 44.34% 39.65% 40.75% 30.68% 28.49% 31.81% 105.20% 59.89% -5.16%
Augmented Payout Ratio		 31.93% 34.56% 44.34% 39.65% 40.75% 30.68% 28.49% 31.81% 105.20% 59.89% -5.16%

Quarterly Metrics And Ratios for First Guaranty Bancshares

This table displays calculated financial ratios and metrics derived from First Guaranty Bancshares' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 11,431,083.00 11,431,083.00 12,504,717.00 12,504,717.00 12,504,717.00 - 12,504,717.00 12,888,424.00 15,120,172.00 15,352,947.00 15,793,433.00
DEI Adjusted Shares Outstanding		 11,431,083.00 11,431,083.00 12,504,717.00 12,504,717.00 12,504,717.00 - 12,504,717.00 12,888,424.00 15,120,172.00 15,352,947.00 15,793,433.00
DEI Earnings Per Adjusted Shares Outstanding		 0.16 0.11 0.18 0.58 0.15 - -0.49 -0.57 -2.98 0.16 0.17
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -22.17% -8.46% -3.10% 54.98% 18.18% 6.18% 1.44% -33.65% -11.09% -10.89% -6.84%
EBITDA Growth		 -69.84% -63.90% -28.73% 126.99% -5.67% -106.78% -301.23% -185.52% -1,699.61% 1,891.84% 140.95%
EBIT Growth		 -77.28% -74.71% -33.90% 171.76% 7.88% -27.81% -367.07% -201.36% -2,266.47% 149.91% 144.35%
NOPAT Growth		 -78.00% -74.56% -33.39% 169.10% 8.75% -22.49% -342.06% -192.16% -2,061.96% 142.57% 149.06%
Net Income Growth		 -78.00% -74.56% -33.39% 169.10% 8.75% -22.49% -366.93% -201.42% -2,435.39% 142.57% 144.49%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 -121.77% 289.56% -50.50% 2.84% 269.37% 47.51% 169.99% -331.89% 506.20% -230.54% 838.82%
Free Cash Flow Firm Growth		 -107.90% 24.59% -37.54% 49.05% 160.87% 165.55% 115.17% 203.70% -88.52% -31.84% 167.28%
Invested Capital Growth		 54.90% 25.50% 31.42% 19.36% -21.06% -12.96% -4.73% -16.66% -11.34% -9.77% -9.36%
Revenue Q/Q Growth		 -3.33% 2.98% 2.59% 51.75% -26.29% -7.48% -1.99% -0.74% -1.22% -7.27% 2.46%
EBITDA Q/Q Growth		 -24.01% -18.49% 43.06% 156.19% -68.42% -105.86% -4,146.43% -8.88% -490.63% 106.56% -2.96%
EBIT Q/Q Growth		 -32.86% -29.99% 84.86% 212.74% -73.35% -53.15% -783.90% -18.69% -469.67% 105.40% 21.38%
NOPAT Q/Q Growth		 -33.78% -26.47% 77.28% 211.73% -73.24% -47.59% -653.62% -18.69% -469.67% 106.48% 11.96%
Net Income Q/Q Growth		 -33.78% -26.47% 77.28% 211.73% -73.24% -47.59% -710.50% -18.44% -516.23% 105.44% 11.96%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 -137.31% 548.95% -84.49% 295.74% -38.55% 291.02% -71.61% -439.90% 260.64% -184.20% 304.19%
Free Cash Flow Firm Q/Q Growth		 -29.84% 48.46% -5.58% 27.90% 255.14% -44.50% -75.57% 393.01% -82.83% 229.56% -4.21%
Invested Capital Q/Q Growth		 28.84% -9.76% -9.54% 13.48% -14.79% -0.50% -0.98% -0.74% -9.35% 1.27% -0.54%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 15.47% 12.24% 17.07% 28.82% 12.35% -0.78% -33.87% -37.15% -222.11% 15.72% 14.88%
EBIT Margin		 10.08% 6.85% 12.34% 25.44% 9.20% 4.66% -32.50% -38.86% -224.13% 13.06% 15.47%
Profit (Net Income) Margin		 7.73% 5.52% 9.53% 19.59% 7.11% 4.03% -25.09% -29.94% -186.75% 10.96% 11.98%
Tax Burden Percent		 76.68% 80.53% 77.23% 76.98% 77.30% 86.47% 77.19% 77.03% 83.32% 83.93% 77.42%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.32% 19.47% 22.77% 23.02% 22.70% 13.53% 0.00% 0.00% 0.00% 16.07% 22.58%
Return on Invested Capital (ROIC)		 1.57% 1.11% 2.15% 4.25% 1.53% 0.93% -5.57% -5.57% -35.54% 2.41% 2.60%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.57% 1.11% 2.15% 4.25% 1.53% 0.93% -5.84% -5.85% -39.24% 2.41% 2.60%
Return on Net Nonoperating Assets (RNNOA)		 1.63% 1.06% 1.61% 4.27% 1.68% 0.88% -4.95% -5.31% -31.97% 1.94% 2.12%
Return on Equity (ROE)		 3.20% 2.17% 3.76% 8.53% 3.21% 1.81% -10.52% -10.88% -67.51% 4.35% 4.72%
Cash Return on Invested Capital (CROIC)		 -40.35% -20.66% -25.23% -15.11% 25.98% 16.40% 5.70% 16.22% 0.66% -0.77% 0.56%
Operating Return on Assets (OROA)		 0.30% 0.19% 0.34% 0.80% 0.28% 0.14% -1.00% -1.04% -5.70% 0.31% 0.37%
Return on Assets (ROA)		 0.23% 0.16% 0.27% 0.61% 0.22% 0.12% -0.77% -0.80% -4.75% 0.26% 0.29%
Return on Common Equity (ROCE)		 2.75% 1.87% 3.24% 7.39% 2.78% 1.57% -9.14% -9.49% -58.16% 3.75% 4.07%
Return on Equity Simple (ROE_SIMPLE)		 5.46% 0.00% 3.22% 4.93% 4.97% 0.00% 1.58% -4.00% -25.99% 0.00% -21.03%
Net Operating Profit after Tax (NOPAT)		 1.77 1.30 2.31 7.20 1.93 1.01 -5.59 -6.64 -38 2.45 2.74
NOPAT Margin		 7.73% 5.52% 9.53% 19.59% 7.11% 4.03% -22.75% -27.20% -156.89% 10.96% 11.98%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.27% 0.28% 3.70% 0.00% 0.00%
SG&A Expenses to Revenue		 54.72% 53.10% 50.23% 35.32% 46.62% 42.66% 45.09% 42.83% 41.79% 40.96% 42.87%
Operating Expenses to Revenue		 87.19% 83.73% 78.15% 56.05% 72.71% 71.33% 73.31% 70.78% 125.22% 75.13% 73.06%
Earnings before Interest and Taxes (EBIT)		 2.31 1.62 2.99 9.35 2.49 1.17 -7.99 -9.48 -54 2.92 3.54
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.55 2.89 4.14 11 3.35 -0.20 -8.32 -9.06 -54 3.51 3.41
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.57 0.56 0.56 0.50 0.59 0.64 0.44 0.46 0.64 0.43 0.67
Price to Tangible Book Value (P/TBV)		 0.63 0.61 0.61 0.54 0.64 0.69 0.47 0.49 0.65 0.43 0.68
Price to Revenue (P/Rev)		 1.21 1.27 1.30 1.03 1.18 1.25 0.84 1.04 1.23 0.86 1.37
Price to Earnings (P/E)		 11.01 17.55 21.39 10.79 12.68 14.02 58.21 0.00 0.00 0.00 0.00
Dividend Yield		 6.20% 6.05% 6.53% 7.23% 5.31% 3.61% 3.40% 1.35% 0.50% 0.75% 0.49%
Earnings Yield		 9.08% 5.70% 4.67% 9.26% 7.89% 7.13% 1.72% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.50 0.27 0.10 0.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 3.00 1.50 0.51 1.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 13.29 8.45 3.17 6.08 0.01 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 17.55 12.01 4.66 7.90 0.02 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 22.45 15.50 5.99 10.22 0.02 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 24.09 6.58 2.45 6.47 0.01 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.44 1.10 0.90 1.11 0.79 0.79 0.80 0.71 0.84 0.82 0.83
Long-Term Debt to Equity		 1.32 1.04 0.87 1.09 0.76 0.76 0.77 0.68 0.81 0.79 0.80
Financial Leverage		 1.04 0.95 0.75 1.01 1.10 0.95 0.85 0.91 0.81 0.81 0.81
Leverage Ratio		 13.85 13.83 14.18 13.87 14.83 14.91 14.72 14.64 16.17 16.73 16.38
Compound Leverage Factor		 13.85 13.83 14.18 13.87 14.83 14.91 14.72 14.64 16.17 16.73 16.38
Debt to Total Capital		 58.95% 52.45% 47.30% 52.66% 44.17% 44.19% 44.43% 41.43% 45.71% 45.14% 45.39%
Short-Term Debt to Total Capital		 4.75% 3.10% 1.44% 1.29% 1.52% 1.53% 1.57% 1.58% 1.75% 1.73% 1.74%
Long-Term Debt to Total Capital		 54.20% 49.35% 45.86% 51.37% 42.65% 42.65% 42.86% 39.84% 43.96% 43.41% 43.65%
Preferred Equity to Total Capital		 5.68% 6.30% 6.96% 6.13% 7.20% 7.23% 7.31% 7.36% 8.12% 8.02% 8.06%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 35.37% 41.25% 45.74% 41.20% 48.63% 48.58% 48.26% 51.21% 46.18% 46.84% 46.55%
Debt to EBITDA		 15.57 16.29 14.74 13.41 9.67 11.29 37.07 -13.07 -2.62 -2.76 -3.34
Net Debt to EBITDA		 6.43 -0.65 -7.05 -0.71 -7.86 -20.26 -76.97 37.15 7.99 9.79 9.84
Long-Term Debt to EBITDA		 14.31 15.32 14.29 13.08 9.34 10.90 35.76 -12.57 -2.52 -2.66 -3.22
Debt to NOPAT		 26.31 29.87 27.87 22.55 15.92 16.22 50.62 -19.25 -3.78 -3.88 -4.66
Net Debt to NOPAT		 10.87 -1.20 -13.33 -1.20 -12.93 -29.10 -105.08 54.71 11.54 13.74 13.72
Long-Term Debt to NOPAT		 24.18 28.10 27.02 22.00 15.38 15.66 48.83 -18.52 -3.64 -3.73 -4.48
Noncontrolling Interest Sharing Ratio		 14.06% 13.64% 13.80% 13.38% 13.35% 13.10% 13.18% 12.76% 13.85% 13.74% 13.91%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -204 -105 -111 -80 124 69 17 83 14 47 45
Operating Cash Flow to CapEx		 -73.52% 196.53% 125.22% 0.00% 0.00% 9,038.10% 2,641.67% -6,709.52% 0.00% -3,951.67% 0.00%
Free Cash Flow to Firm to Interest Expense		 -7.52 -3.60 -3.59 -2.48 3.58 1.97 0.52 2.59 0.46 1.53 1.43
Operating Cash Flow to Interest Expense		 -0.11 0.44 0.06 0.24 0.14 0.54 0.17 -0.57 0.94 -0.81 1.60
Operating Cash Flow Less CapEx to Interest Expense		 -0.25 0.22 0.01 0.66 0.15 0.53 0.16 -0.58 0.96 -0.83 1.61
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02
Fixed Asset Turnover		 1.60 1.49 1.46 1.65 1.69 1.65 1.65 1.49 1.53 1.50 1.50
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 582 525 475 539 459 457 452 449 407 412 410
Invested Capital Turnover		 0.20 0.20 0.23 0.22 0.21 0.23 0.24 0.20 0.23 0.22 0.22
Increase / (Decrease) in Invested Capital		 206 107 114 87 -123 -68 -22 -90 -52 -45 -42
Enterprise Value (EV)		 293 143 48 129 0.31 -187 -289 -390 -414 -544 -386
Market Capitalization		 118 121 123 111 132 142 96 105 121 82 128
Book Value per Share		 $18.00 $18.95 $17.37 $17.76 $17.86 $17.75 $17.46 $17.85 $12.43 $12.58 $12.44
Tangible Book Value per Share		 $16.49 $17.44 $16.02 $16.42 $16.54 $16.44 $16.17 $16.61 $12.25 $12.41 $12.28
Total Capital		 582 525 475 539 459 457 452 449 407 412 410
Total Debt		 343 275 225 284 203 202 201 186 186 186 186
Total Long-Term Debt		 315 259 218 277 196 195 194 179 179 179 179
Net Debt		 142 -11 -107 -15 -165 -362 -417 -529 -568 -660 -548
Capital Expenditures (CapEx)		 3.90 6.55 1.59 -14 -0.22 0.21 0.20 0.27 -0.55 0.63 -0.17
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.57 0.67 7.20 0.00 0.00
Net Nonoperating Obligations (NNO)		 343 275 225 284 203 202 201 186 186 186 186
Total Depreciation and Amortization (D&A)		 1.24 1.27 1.15 1.24 0.85 -1.36 -0.34 0.42 0.49 0.59 -0.14
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.10 $0.06 $0.14 $0.53 $0.11 $0.03 ($0.54) ($0.61) ($3.01) ($0.01) $0.14
Adjusted Weighted Average Basic Shares Outstanding		 11.43M 11.17M 12.49M 12.50M 12.50M 12.50M 12.51M 12.91M 15.12M 13.99M 15.80M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 11.43M 12.50M 12.50M 12.50M 12.50M 12.50M 12.89M 15.12M 15.35M 15.79M 16.46M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.43M 12.50M 12.50M 12.50M 12.50M 12.50M 12.89M 15.12M 15.35M 15.79M 16.46M
Normalized Net Operating Profit after Tax (NOPAT)		 1.77 1.30 2.31 7.20 1.93 1.01 -5.59 -6.64 -29 2.45 2.74
Normalized NOPAT Margin		 7.73% 5.52% 9.53% 19.59% 7.11% 4.03% -22.75% -27.20% -119.42% 10.96% 11.98%
Pre Tax Income Margin		 10.08% 6.85% 12.34% 25.44% 9.20% 4.66% -32.50% -38.86% -224.13% 13.06% 15.47%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.09 0.06 0.10 0.29 0.07 0.03 -0.25 -0.30 -1.73 0.09 0.11
NOPAT to Interest Expense		 0.07 0.04 0.07 0.22 0.06 0.03 -0.17 -0.21 -1.21 0.08 0.09
EBIT Less CapEx to Interest Expense		 -0.06 -0.17 0.05 0.71 0.08 0.03 -0.25 -0.30 -1.71 0.07 0.12
NOPAT Less CapEx to Interest Expense		 -0.08 -0.18 0.02 0.64 0.06 0.02 -0.18 -0.22 -1.19 0.06 0.09
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 72.22% 105.20% 123.86% 80.69% 73.20% 59.89% 140.46% -35.20% -4.97% -5.16% -6.20%
Augmented Payout Ratio		 72.22% 105.20% 123.86% 80.69% 73.20% 59.89% 140.46% -35.20% -4.97% -5.16% -6.20%

Financials Breakdown Chart

Key Financial Trends

First Guaranty Bancshares (NASDAQ: FGBI) showed a sharply improved first quarter in 2026 versus the extremely weak periods seen in 2025, but the long-term picture is still mixed. The biggest takeaway is that the bank returned to solid profitability in Q1 2026, largely helped by better operating performance and a much smaller loan-loss burden than the crisis-like results in mid-2025. However, margins remain pressured, deposit volatility has been significant, and the company is still working through balance-sheet changes.

  • Q1 2026 net income rebounded to $2.7 million from a loss of $45.0 million in Q3 2025 and a loss of $7.3 million in Q2 2025, showing a major turnaround in earnings.
  • Operating cash flow was strong at $50.6 million in Q1 2026, a big improvement from negative operating cash flow in Q4 2025 and Q2 2025.
  • Loans and leases net grew to $1.89 billion from $1.88 billion in Q4 2025, suggesting the core loan book stabilized after prior declines.
  • Deposits remained large at $3.51 billion, which still provides a substantial funding base for the bank.
  • Non-interest income improved to $2.2 million from $2.1 million in Q4 2025, helped by service charges and investment gains.
  • Net interest income increased modestly to $20.7 million from $20.2 million in Q4 2025, indicating some stabilization in core spread earnings.
  • Provisions for credit losses remained elevated at $2.6 million, but this was far below the massive provisioning seen in Q3 2025.
  • Cash and equivalents were very high at $733.2 million, reflecting a very liquid balance sheet, though the composition of assets is unusual for a bank.
  • Net change in deposits was still negative at $125.3 million in Q1 2026, signaling continued deposit outflows versus the prior quarter’s inflows.
  • Total equity fell to $224.0 million from $263.1 million in Q2 2025, and common equity dropped to $190.9 million from $230.0 million, showing pressure on the capital base.

Looking at the trend over the last several quarters, FGBI’s earnings have been highly volatile. In 2024, the bank was generally profitable on a quarterly basis, with Q1, Q2, Q3, and Q4 2024 all showing positive net income. That changed in 2025, when Q2 and especially Q3 turned sharply negative. The Q3 2025 loss was driven by a large impairment charge of $12.9 million and a provision for credit losses of $47.9 million, which overwhelmed revenue.

By Q4 2025 and Q1 2026, profitability improved significantly. Revenue in Q1 2026 was $22.9 million, close to Q4 2025’s $22.3 million, while non-interest expense was controlled at $16.7 million. The key improvement came from much lower credit costs than the stressed 2025 periods, allowing the bank to report positive pre-tax income again.

The balance sheet also changed meaningfully over time. Total assets were $3.96 billion in Q1 2026, down slightly from $3.97 billion in Q2 2025, but the asset mix shifted materially. Trading account securities and cash stayed large, while loans were lower than the 2024 peak. On the liability side, deposits have been volatile, and the latest quarter still showed deposit outflows, which is an important risk for a bank that depends on stable funding.

From a retail investor perspective, the story is one of recovery, but not full normalization. The company has moved past the worst quarterly losses, yet it still faces pressure from credit costs, funding stability, and balance-sheet management. If deposit trends improve and credit provisions stay contained, earnings could continue recovering. If not, the turnaround may remain fragile.

07/13/26 04:00 AM ETAI Generated. May Contain Errors.

First Guaranty Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, First Guaranty Bancshares' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

First Guaranty Bancshares' net income appears to be on a downward trend, with a most recent value of -$56.02 million in 2025, falling from $14.51 million in 2015. The previous period was $12.45 million in 2024.

Over the last 10 years, First Guaranty Bancshares' total revenue changed from $56.43 million in 2015 to $95.42 million in 2025, a change of 69.1%.

First Guaranty Bancshares' total liabilities were at $3.85 billion at the end of 2025, a 3.6% increase from 2024, and a 187.1% increase since 2015.

In the past 10 years, First Guaranty Bancshares' cash and equivalents has ranged from $0.00 in 2021 to $845.15 million in 2025, and is currently $845.15 million as of their latest financial filing in 2025.

Over the last 10 years, First Guaranty Bancshares' book value per share changed from 17.16 in 2015 to 12.58 in 2025, a change of -26.7%.


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Financial statements for NASDAQ:FGBIP last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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