FGBI - First Guaranty Bancshares, Inc.

FGBI

$10.02 +0.10 (+0.96%) Last updated: Jul 15, 2026 02:28

52-Week Range

$10.02

$4.31 $10.02 $11.02

Fundamentals Overview

First Guaranty Bancshares, Inc. is near the high of its 52-week range with low valuation, trading relatively flat today.

Valuation low

P/B 0.71 P/S 0.76

Intrinsic value (DCF)

+257.5% upside vs price

Risk (Beta)

0.44 — lower vol

BullzEye Analysis

Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.

Composite Signal

Sell

Buy

Hold — 58% confidence Risk: Lower Volatility — Beta 0.44. Diversify and only invest what you can afford to lose.

Supporting (Buy):

DCF +257.5% upside vs price

Pressures (Sell):

Sentiment weakening (2 downgrades)

Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.

Key Stats

Market Cap

$164.89M

P/E (TTM)

N/A

EPS (TTM)

N/A

Dividend Yield

0.4%

52-Week Range

$4.31 - $11.02

Volume vs Avg

N/A

Beta

0.44

About

First Guaranty Bancshares, Inc. functions as the parent company for First Guaranty Bank, a financial institution delivering commercial banking services primarily across Louisiana and Texas. The bank offers a comprehensive suite of deposit products, including various checking accounts for personal and business use, savings accounts, money market accounts, demand deposits, and certificates of deposit (time deposits). These services are extended to individual consumers, small and medium-sized busin...

Sector: Financial Services

Headquarters: US

Employees: 346

IPO Date: Aug 2012

Website: www.fgb.net

Beta: 0.44 (Less volatile than market)

Ratings & Grades at a Glance

Overall rating: C. Recent institutional grades: majority downgrades. Current institutional positions: Buy: 2, Neutral: 4, Underweight: 1.

Financial story & AI narrative

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Valuation & Ratios

Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.

DCF vs price: DCF estimate is $35.81; current price is $10.02. That’s a +257.5% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.

Metric	Value
Valuation
P/E (TTM)	N/A
DCF value (model)	$35.81 (257.5% upside)
PEG (TTM)	N/A
P/B (TTM)	0.71
P/S (TTM)	0.76
P/FCF (TTM)	4.7
Liquidity & enterprise
Current Ratio (TTM)	91.4
Quick Ratio (TTM)	91.4
Cash Ratio (TTM)	89.7
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	-21.78%
Gross margin (TTM)	10.84%
Operating margin (TTM)	-27.38%
Debt to equity (TTM)	N/A

Latest News

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Price Target, Ratings & Grades

Analyst price targets, consensus, rating snapshot, and institutional grades for FGBI.

Analyst Sentiment at a Glance

C Sentiment Weakening

Buy 2Neutral 4Underweight 1

0 upgrades, 2 downgrades

Consensus Target

$9.50

High Target

$9.50

Low Target

$9.50

Median Target

$9.50

Stock Grades (Institutions)

Institution	Action	Previous Grade	New Grade	Date
Piper Sandler	downgrade	Neutral	Underweight	2023-11-08
DA Davidson	maintain	Neutral	Neutral	2023-07-12
Piper Sandler	maintain	Neutral	Neutral	2023-02-08
Janney Montgomery Scott	downgrade	Buy	Neutral	2022-06-03
DA Davidson	maintain	Neutral	Neutral	2021-04-13
Janney Capital	maintain	Buy	Buy	2020-12-21
Janney Montgomery Scott	maintain	Buy	Buy	2020-12-21