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First Guaranty Bancshares (FGBIP) Financials

$17.15 +0.10 (+0.58%)
Closing price 10/14/2026 03:55 PM Eastern
Extended Trading
$17.15 +0.00 (+0.01%)
As of 10/14/2026 04:05 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 0.72 1.73 6.62 1.35 0.43 -6.75 -7.89 -46 1.87 2.16 2.85
Consolidated Net Income / (Loss)		 1.30 2.31 7.20 1.93 1.01 -6.17 -7.30 -45 2.45 2.74 3.43
Net Income / (Loss) Continuing Operations		 1.30 2.31 7.20 1.93 1.01 -6.17 -7.30 -45 2.45 2.74 3.43
Total Pre-Tax Income 		1.62 2.99 9.35 2.49 1.17 -7.99 -9.48 -54 2.92 3.54 4.34
Total Revenue		 24 24 37 27 25 25 24 24 22 23 24
Net Interest Income / (Expense)		 21 22 21 23 23 22 22 22 20 21 22
Total Interest Income		 50 53 54 57 58 54 54 54 51 52 51
Loans and Leases Interest Income		 45 47 48 50 46 43 41 39 35 33 33
Investment Securities Interest Income		 2.47 2.51 2.47 2.97 5.97 5.50 5.80 6.40 7.34 10 12
Deposits and Money Market Investments Interest Income		 2.55 3.48 3.63 4.65 5.65 6.00 7.51 7.78 8.36 8.64 6.07
Total Interest Expense		 29 31 32 35 35 32 32 31 31 32 29
Deposits Interest Expense		 26 28 29 31 32 29 29 29 28 29 27
Long-Term Debt Interest Expense		 3.41 3.21 3.58 3.77 3.04 2.88 2.84 2.50 2.61 2.43 2.40
Total Non-Interest Income		 2.57 2.31 16 4.41 2.50 2.35 2.16 1.86 2.11 2.21 1.90
Other Service Charges		 2.55 2.30 2.31 2.90 2.43 2.35 2.16 2.23 2.27 2.16 1.90
Net Realized & Unrealized Capital Gains on Investments		 0.02 0.01 13 1.50 0.07 0.00 0.00 -0.37 -0.16 0.05 0.00
Provision for Credit Losses		 2.23 2.30 6.81 4.90 6.02 15 17 48 2.64 2.63 2.63
Total Non-Interest Expense		 20 19 21 20 18 18 17 30 17 17 17
Salaries and Employee Benefits		 10 9.90 10 10 7.87 8.44 7.84 7.47 6.72 7.35 7.03
Net Occupancy & Equipment Expense		 2.49 2.27 2.55 2.54 2.83 2.64 2.61 2.61 2.43 2.46 2.36
Other Operating Expenses		 7.23 6.76 7.62 7.07 7.19 6.94 6.82 7.21 7.64 6.91 7.82
Income Tax Expense		 0.32 0.68 2.15 0.57 0.16 -1.82 -2.18 -9.01 0.47 0.80 0.91
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		 $0.06 $0.14 $0.53 $0.11 $0.03 ($0.54) ($0.61) ($3.01) ($0.01) $0.14 $0.17
Weighted Average Basic Shares Outstanding		 11.17M 12.49M 12.50M 12.50M 12.50M 12.51M 12.91M 15.12M 13.99M 15.80M 16.33M
Weighted Average Diluted Shares Outstanding		 12.50M 12.50M 12.50M 12.50M 12.50M 12.89M 15.12M 15.35M 15.79M 16.46M 16.54M
Weighted Average Basic & Diluted Shares Outstanding		 12.50M 12.50M 12.50M 12.50M 12.50M 12.89M 15.12M 15.35M 15.79M 16.46M 16.54M
Cash Dividends to Common per Share		 $0.16 $0.16 $0.16 $0.08 $0.01 $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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 85 46 -33 69 197 54 96 39 92 -112 48
Net Cash From Operating Activities		 13 2.00 7.90 4.85 19 5.39 -18 29 -25 51 -0.71
Net Cash From Continuing Operating Activities		 13 2.00 7.90 4.85 19 5.39 -18 29 -25 51 -0.71
Net Income / (Loss) Continuing Operations		 1.30 2.31 7.20 1.93 1.01 -6.17 -7.30 -45 2.45 2.74 3.43
Consolidated Net Income / (Loss)		 1.30 2.31 7.20 1.93 1.01 -6.17 -7.30 -45 2.45 2.74 3.43
Provision For Loan Losses		 2.23 2.30 6.81 4.90 6.02 15 17 48 2.64 2.63 2.63
Depreciation Expense		 1.00 1.00 1.18 1.05 1.21 1.10 1.09 1.07 1.03 0.98 1.02
Amortization Expense		 0.28 0.14 0.06 -0.19 -2.57 -1.43 -0.68 -0.58 -0.44 -1.11 -1.00
Non-Cash Adjustments to Reconcile Net Income		 -0.16 -0.12 -13 -1.32 -0.01 0.01 0.72 14 1.90 0.94 0.46
Changes in Operating Assets and Liabilities, net		 8.23 -3.64 6.10 -1.51 13 -2.66 -29 12 -32 44 -7.25
Net Cash From Investing Activities		 -62 42 -77 -240 133 186 -29 136 -162 -37 96
Net Cash From Continuing Investing Activities		 -62 42 -77 -240 133 186 -29 136 -162 -37 96
Purchase of Property, Leasehold Improvements and Equipment		 -6.60 -1.60 -1.29 0.14 -0.29 -0.21 -0.27 -0.69 -0.53 -0.17 -15
Purchase of Investment Securities		 -55 -4.20 -97 -247 16 75 -38 71 -180 -99 -239
Sale and/or Maturity of Investments		 0.32 48 6.45 7.17 118 111 9.29 64 18 61 349
Net Cash From Financing Activities		 134 1.76 36 304 44 -137 144 -126 279 -125 -47
Net Cash From Continuing Financing Activities		 134 1.76 36 304 44 -137 144 -126 279 -125 -47
Net Change in Deposits		 194 55 -20 386 46 -137 142 -126 278 -125 -50
Issuance of Debt		 40 -30 60 -60 59 0.10 0.00 - 0.00 0.00 0.11
Issuance of Common Equity		 10 0.33 - - -0.33 1.58 2.98 0.99 1.50 1.00 4.00
Payment of Dividends		 -2.58 -2.58 -2.58 -1.58 -0.71 -0.71 -0.71 -0.73 -0.74 -0.74 -0.75
Cash Interest Paid		 28 33 30 30 32 33 32 34 29 27 34

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 Q2 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 6/30/2026
Total Assets		 3,418 3,556 3,616 3,924 3,829 3,970 3,797 3,959 3,895
Cash and Due from Banks		 201 332 299 363 618 714 754 733 781
Federal Funds Sold		 0.45 0.47 0.39 4.77 0.56 0.56 0.55 0.54 0.55
Trading Account Securities		 400 359 359 664 595 720 697 1,177 1,214
Loans and Leases, Net of Allowance		 2,667 2,721 2,803 2,736 2,470 2,352 2,194 1,886 1,731
Loans and Leases		 2,699 2,752 2,833 2,770 2,513 2,411 2,280 1,925 1,765
Allowance for Loan and Lease Losses		 32 31 30 33 43 59 86 38 34
Premises and Equipment, Net		 64 71 69 68 67 66 60 59 73
Intangible Assets		 4.37 4.09 3.88 3.67 3.27 3.06 2.85 2.43 2.22
Other Assets		 68 57 69 71 63 101 89 100 93
Total Liabilities & Shareholders' Equity		 3,418 3,556 3,616 3,924 3,829 3,970 3,797 3,959 3,895
Total Liabilities		 3,179 3,305 3,360 3,668 3,578 3,706 3,576 3,735 3,668
Non-Interest Bearing Deposits		 458 415 408 402 426 442 397 412 415
Interest Bearing Deposits		 2,357 2,649 2,636 3,028 2,914 3,039 2,958 3,096 3,042
Short-Term Debt		 28 6.83 6.97 6.98 7.11 7.12 7.12 7.12 7.23
Accrued Interest Payable		 11 10 13 18 20 19 16 23 17
Long-Term Debt		 315 218 277 196 194 179 179 179 179
Other Long-Term Liabilities		 11 6.78 20 17 18 20 19 18 6.84
Total Equity & Noncontrolling Interests		 239 250 255 256 251 263 221 224 227
Total Preferred & Common Equity		 239 250 255 256 251 263 221 224 227
Preferred Stock		 33 33 33 33 33 33 33 33 33
Total Common Equity		 206 217 222 223 218 230 188 191 194
Common Stock		 151 162 162 162 163 182 184 188 193
Retained Earnings		 69 68 72 73 66 58 12 16 19
Accumulated Other Comprehensive Income / (Loss)		 -14 -12 -12 -11 -11 -10 -8.36 -13 -17

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 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 16,464,248.00
DEI Adjusted Shares Outstanding		 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 16,464,248.00
DEI Earnings Per Adjusted Shares Outstanding		 0.11 0.18 0.58 0.15 - -0.49 -0.57 -2.98 0.16 0.17 0.21
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -8.46% -3.10% 54.98% 18.18% 6.18% 1.44% -33.65% -11.09% -10.89% -6.84% -0.90%
EBITDA Growth		 -63.90% -28.73% 126.99% -5.67% -106.78% -301.23% -185.52% -1,699.61% 1,891.84% 140.95% 148.21%
EBIT Growth		 -74.71% -33.90% 171.76% 7.88% -27.81% -367.07% -201.36% -2,266.47% 149.91% 144.35% 145.82%
NOPAT Growth		 -74.56% -33.39% 169.10% 8.75% -22.49% -342.06% -192.16% -2,061.96% 142.57% 149.06% 151.70%
Net Income Growth		 -74.56% -33.39% 169.10% 8.75% -22.49% -366.93% -201.42% -2,435.39% 142.57% 144.49% 146.98%
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		 289.56% -50.50% 2.84% 269.37% 47.51% 169.99% -331.89% 506.20% -230.54% 838.82% 96.13%
Free Cash Flow Firm Growth		 24.59% -37.54% 49.05% 160.87% 165.55% 115.17% 203.70% -88.52% -31.84% 167.28% -53.15%
Invested Capital Growth		 25.50% 31.42% 19.36% -21.06% -12.96% -4.73% -16.66% -11.34% -9.77% -9.36% -7.91%
Revenue Q/Q Growth		 2.98% 2.59% 51.75% -26.29% -7.48% -1.99% -0.74% -1.22% -7.27% 2.46% 5.59%
EBITDA Q/Q Growth		 -18.49% 43.06% 156.19% -68.42% -105.86% -4,146.43% -8.88% -490.63% 106.56% -2.96% 28.20%
EBIT Q/Q Growth		 -29.99% 84.86% 212.74% -73.35% -53.15% -783.90% -18.69% -469.67% 105.40% 21.38% 22.61%
NOPAT Q/Q Growth		 -26.47% 77.28% 211.73% -73.24% -47.59% -653.62% -18.69% -469.67% 106.48% 11.96% 25.08%
Net Income Q/Q Growth		 -26.47% 77.28% 211.73% -73.24% -47.59% -710.50% -18.44% -516.23% 105.44% 11.96% 25.08%
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		 548.95% -84.49% 295.74% -38.55% 291.02% -71.61% -439.90% 260.64% -184.20% 304.19% -101.40%
Free Cash Flow Firm Q/Q Growth		 48.46% -5.58% 27.90% 255.14% -44.50% -75.57% 393.01% -82.83% 229.56% -4.21% -13.58%
Invested Capital Q/Q Growth		 -9.76% -9.54% 13.48% -14.79% -0.50% -0.98% -0.74% -9.35% 1.27% -0.54% 0.85%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 12.24% 17.07% 28.82% 12.35% -0.78% -33.87% -37.15% -222.11% 15.72% 14.88% 18.07%
EBIT Margin		 6.85% 12.34% 25.44% 9.20% 4.66% -32.50% -38.86% -224.13% 13.06% 15.47% 17.97%
Profit (Net Income) Margin		 5.52% 9.53% 19.59% 7.11% 4.03% -25.09% -29.94% -186.75% 10.96% 11.98% 14.19%
Tax Burden Percent		 80.53% 77.23% 76.98% 77.30% 86.47% 77.19% 77.03% 83.32% 83.93% 77.42% 78.98%
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		 19.47% 22.77% 23.02% 22.70% 13.53% 0.00% 0.00% 0.00% 16.07% 22.58% 21.02%
Return on Invested Capital (ROIC)		 1.11% 2.15% 4.25% 1.53% 0.93% -5.57% -5.57% -35.54% 2.41% 2.60% 3.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.11% 2.15% 4.25% 1.53% 0.93% -5.84% -5.85% -39.24% 2.41% 2.60% 3.08%
Return on Net Nonoperating Assets (RNNOA)		 1.06% 1.61% 4.27% 1.68% 0.88% -4.95% -5.31% -31.97% 1.94% 2.12% 2.34%
Return on Equity (ROE)		 2.17% 3.76% 8.53% 3.21% 1.81% -10.52% -10.88% -67.51% 4.35% 4.72% 5.41%
Cash Return on Invested Capital (CROIC)		 -20.66% -25.23% -15.11% 25.98% 16.40% 5.70% 16.22% 0.66% -0.77% 0.56% 1.23%
Operating Return on Assets (OROA)		 0.19% 0.34% 0.80% 0.28% 0.14% -1.00% -1.04% -5.70% 0.31% 0.37% 0.43%
Return on Assets (ROA)		 0.16% 0.27% 0.61% 0.22% 0.12% -0.77% -0.80% -4.75% 0.26% 0.29% 0.34%
Return on Common Equity (ROCE)		 1.87% 3.24% 7.39% 2.78% 1.57% -9.14% -9.49% -58.16% 3.75% 4.07% 4.68%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 3.22% 4.93% 4.97% 0.00% 1.58% -4.00% -25.99% 0.00% -21.03% -16.00%
Net Operating Profit after Tax (NOPAT)		 1.30 2.31 7.20 1.93 1.01 -5.59 -6.64 -38 2.45 2.74 3.43
NOPAT Margin		 5.52% 9.53% 19.59% 7.11% 4.03% -22.75% -27.20% -156.89% 10.96% 11.98% 14.19%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.27% 0.28% 3.70% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.10% 50.23% 35.32% 46.62% 42.66% 45.09% 42.83% 41.79% 40.96% 42.87% 38.84%
Operating Expenses to Revenue		 83.73% 78.15% 56.05% 72.71% 71.33% 73.31% 70.78% 125.22% 75.13% 73.06% 71.18%
Earnings before Interest and Taxes (EBIT)		 1.62 2.99 9.35 2.49 1.17 -7.99 -9.48 -54 2.92 3.54 4.34
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.89 4.14 11 3.35 -0.20 -8.32 -9.06 -54 3.51 3.41 4.37
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.56 0.56 0.50 0.59 0.64 0.44 0.46 0.64 0.43 0.67 0.85
Price to Tangible Book Value (P/TBV)		 0.61 0.61 0.54 0.64 0.69 0.47 0.49 0.65 0.43 0.68 0.86
Price to Revenue (P/Rev)		 1.27 1.30 1.03 1.18 1.25 0.84 1.04 1.23 0.86 1.37 1.77
Price to Earnings (P/E)		 17.55 21.39 10.79 12.68 14.02 58.21 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 6.05% 6.53% 7.23% 5.31% 3.61% 3.40% 1.35% 0.50% 0.75% 0.49% 0.40%
Earnings Yield		 5.70% 4.67% 9.26% 7.89% 7.13% 1.72% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.27 0.10 0.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 1.50 0.51 1.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 8.45 3.17 6.08 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 12.01 4.66 7.90 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 15.50 5.99 10.22 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.58 2.45 6.47 0.01 0.00 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		 1.10 0.90 1.11 0.79 0.79 0.80 0.71 0.84 0.82 0.83 0.82
Long-Term Debt to Equity		 1.04 0.87 1.09 0.76 0.76 0.77 0.68 0.81 0.79 0.80 0.79
Financial Leverage		 0.95 0.75 1.01 1.10 0.95 0.85 0.91 0.81 0.81 0.81 0.76
Leverage Ratio		 13.83 14.18 13.87 14.83 14.91 14.72 14.64 16.17 16.73 16.38 16.04
Compound Leverage Factor		 13.83 14.18 13.87 14.83 14.91 14.72 14.64 16.17 16.73 16.38 16.04
Debt to Total Capital		 52.45% 47.30% 52.66% 44.17% 44.19% 44.43% 41.43% 45.71% 45.14% 45.39% 45.03%
Short-Term Debt to Total Capital		 3.10% 1.44% 1.29% 1.52% 1.53% 1.57% 1.58% 1.75% 1.73% 1.74% 1.75%
Long-Term Debt to Total Capital		 49.35% 45.86% 51.37% 42.65% 42.65% 42.86% 39.84% 43.96% 43.41% 43.65% 43.29%
Preferred Equity to Total Capital		 6.30% 6.96% 6.13% 7.20% 7.23% 7.31% 7.36% 8.12% 8.02% 8.06% 7.99%
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		 41.25% 45.74% 41.20% 48.63% 48.58% 48.26% 51.21% 46.18% 46.84% 46.55% 46.97%
Debt to EBITDA		 16.29 14.74 13.41 9.67 11.29 37.07 -13.07 -2.62 -2.76 -3.34 -4.41
Net Debt to EBITDA		 -0.65 -7.05 -0.71 -7.86 -20.26 -76.97 37.15 7.99 9.79 9.84 14.10
Long-Term Debt to EBITDA		 15.32 14.29 13.08 9.34 10.90 35.76 -12.57 -2.52 -2.66 -3.22 -4.24
Debt to NOPAT		 29.87 27.87 22.55 15.92 16.22 50.62 -19.25 -3.78 -3.88 -4.66 -6.16
Net Debt to NOPAT		 -1.20 -13.33 -1.20 -12.93 -29.10 -105.08 54.71 11.54 13.74 13.72 19.68
Long-Term Debt to NOPAT		 28.10 27.02 22.00 15.38 15.66 48.83 -18.52 -3.64 -3.73 -4.48 -5.92
Noncontrolling Interest Sharing Ratio		 13.64% 13.80% 13.38% 13.35% 13.10% 13.18% 12.76% 13.85% 13.74% 13.91% 13.48%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -105 -111 -80 124 69 17 83 14 47 45 39
Operating Cash Flow to CapEx		 196.53% 125.22% 0.00% 0.00% 9,038.10% 2,641.67% -6,709.52% 0.00% -3,951.67% 0.00% -4.84%
Free Cash Flow to Firm to Interest Expense		 -3.60 -3.59 -2.48 3.58 1.97 0.52 2.59 0.46 1.53 1.43 1.34
Operating Cash Flow to Interest Expense		 0.44 0.06 0.24 0.14 0.54 0.17 -0.57 0.94 -0.81 1.60 -0.02
Operating Cash Flow Less CapEx to Interest Expense		 0.22 0.01 0.66 0.15 0.53 0.16 -0.58 0.96 -0.83 1.61 -0.53
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02 0.02
Fixed Asset Turnover		 1.49 1.46 1.65 1.69 1.65 1.65 1.49 1.53 1.50 1.50 1.35
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 525 475 539 459 457 452 449 407 412 410 414
Invested Capital Turnover		 0.20 0.23 0.22 0.21 0.23 0.24 0.20 0.23 0.22 0.22 0.22
Increase / (Decrease) in Invested Capital		 107 114 87 -123 -68 -22 -90 -52 -45 -42 -36
Enterprise Value (EV)		 143 48 129 0.31 -187 -289 -390 -414 -544 -386 -396
Market Capitalization		 121 123 111 132 142 96 105 121 82 128 166
Book Value per Share		 $18.95 $17.37 $17.76 $17.86 $17.75 $17.46 $17.85 $12.43 $12.58 $12.44 $11.80
Tangible Book Value per Share		 $17.44 $16.02 $16.42 $16.54 $16.44 $16.17 $16.61 $12.25 $12.41 $12.28 $11.67
Total Capital		 525 475 539 459 457 452 449 407 412 410 414
Total Debt		 275 225 284 203 202 201 186 186 186 186 186
Total Long-Term Debt		 259 218 277 196 195 194 179 179 179 179 179
Net Debt		 -11 -107 -15 -165 -362 -417 -529 -568 -660 -548 -595
Capital Expenditures (CapEx)		 6.55 1.59 -14 -0.22 0.21 0.20 0.27 -0.55 0.63 -0.17 15
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.57 0.67 7.20 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 275 225 284 203 202 201 186 186 186 186 186
Total Depreciation and Amortization (D&A)		 1.27 1.15 1.24 0.85 -1.36 -0.34 0.42 0.49 0.59 -0.14 0.03
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.06 $0.14 $0.53 $0.11 $0.03 ($0.54) ($0.61) ($3.01) ($0.01) $0.14 $0.17
Adjusted Weighted Average Basic Shares Outstanding		 11.17M 12.49M 12.50M 12.50M 12.50M 12.51M 12.91M 15.12M 13.99M 15.80M 16.33M
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		 12.50M 12.50M 12.50M 12.50M 12.50M 12.89M 15.12M 15.35M 15.79M 16.46M 16.54M
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		 12.50M 12.50M 12.50M 12.50M 12.50M 12.89M 15.12M 15.35M 15.79M 16.46M 16.54M
Normalized Net Operating Profit after Tax (NOPAT)		 1.30 2.31 7.20 1.93 1.01 -5.59 -6.64 -29 2.45 2.74 3.43
Normalized NOPAT Margin		 5.52% 9.53% 19.59% 7.11% 4.03% -22.75% -27.20% -119.42% 10.96% 11.98% 14.19%
Pre Tax Income Margin		 6.85% 12.34% 25.44% 9.20% 4.66% -32.50% -38.86% -224.13% 13.06% 15.47% 17.97%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.06 0.10 0.29 0.07 0.03 -0.25 -0.30 -1.73 0.09 0.11 0.15
NOPAT to Interest Expense		 0.04 0.07 0.22 0.06 0.03 -0.17 -0.21 -1.21 0.08 0.09 0.12
EBIT Less CapEx to Interest Expense		 -0.17 0.05 0.71 0.08 0.03 -0.25 -0.30 -1.71 0.07 0.12 -0.36
NOPAT Less CapEx to Interest Expense		 -0.18 0.02 0.64 0.06 0.02 -0.18 -0.22 -1.19 0.06 0.09 -0.39
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 105.20% 123.86% 80.69% 73.20% 59.89% 140.46% -35.20% -4.97% -5.16% -6.20% -8.13%
Augmented Payout Ratio		 105.20% 123.86% 80.69% 73.20% 59.89% 140.46% -35.20% -4.97% -5.16% -6.20% -8.13%

Financials Breakdown Chart

Key Financial Trends

First Guaranty Bancshares’ Q2 2026 results show a meaningful recovery in profitability after severe credit-related losses in 2025. Net income rose to $3.4 million, or $0.17 per basic share, compared with $2.7 million in Q1 2026 and losses of $7.3 million in Q2 2025 and $45.0 million in Q3 2025. However, the balance sheet remains smaller than it was in 2024, and cash flow continues to be volatile.

  • Profitability has returned. Q2 2026 net income attributable to common shareholders increased to $2.8 million from $2.2 million in Q1 2026, while earnings per share improved to $0.17 from $0.14.
  • Net interest income is improving. Net interest income reached $22.3 million in Q2 2026, up from $20.2 million in Q4 2025 and roughly in line with Q2 2025 despite a smaller loan portfolio.
  • Credit costs have normalized substantially. The provision for credit losses was $2.6 million in Q2 2026, compared with $47.9 million in Q3 2025, $16.6 million in Q2 2025 and $14.5 million in Q1 2025.
  • Operating expenses are better controlled in some areas. Salaries and employee benefits declined to $7.0 million in Q2 2026 from $7.4 million in Q1 and $7.8 million in Q2 2025. Occupancy and equipment costs also declined sequentially.
  • Liquidity remains substantial. Cash and due from banks increased to $781.0 million at June 30, 2026, from $733.2 million at March 31, while investment securities and trading account securities totaled approximately $1.2 billion.
  • Loan balances have contracted materially. Gross loans declined to $1.77 billion in Q2 2026 from $2.41 billion in Q2 2025 and $2.83 billion in Q2 2024. This may reduce credit risk, but it also limits future interest-income growth.
  • The allowance for loan losses has declined but remains elevated relative to loans. The allowance was $34.3 million, or approximately 1.9% of gross loans, compared with $85.7 million, or approximately 3.8%, in Q3 2025. The lower reserve balance is encouraging, although the ratio remains higher than in early 2024.
  • Deposit balances continue to pressure funding. Deposits fell by approximately $50.5 million during Q2 2026 after declining by $125.3 million in Q1. Deposit interest expense was still $26.6 million, consuming a large portion of interest income.
  • Cash generation from operations weakened sharply. Operating cash flow was negative $709,000 in Q2 2026, compared with positive operating cash flow of $50.6 million in Q1. The decline was driven primarily by a $7.3 million unfavorable change in operating assets and liabilities.
  • Capital and shareholder returns remain areas to watch. Total equity was $227.4 million against $3.90 billion of assets, while common equity was $194.3 million. The common dividend remained only $0.01 per share, far below the $0.16 per-share dividend reported in 2024, and weighted-average diluted shares increased to 16.5 million from 12.5 million in early 2024.

Overall, FGBI’s financial statements point to operational stabilization rather than a full recovery. The return to profitability and sharply lower credit provisions are constructive, but investors should monitor deposit trends, loan growth, capital levels, operating cash flow and whether net interest income can remain stable as the balance sheet contracts.

10/15/26 06:30 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' fiscal year ends in December. Their fiscal 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, compared with $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%.

In the past 11 quarters, First Guaranty Bancshares' cash and equivalents has ranged from $200.83 million in Q3 2023 to $781.03 million in Q2 2026, and is currently $781.03 million as of their latest financial filing in Q2 2026.

First Guaranty Bancshares had total debt of $186.13 million at the end of 2025, a 7.8% decrease from 2024, and a 340.8% increase since 2015.

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 8/14/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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