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First Guaranty Bancshares(NASDAQ) FGBI

Market Cap$157.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2004)+104%
5 Year-35%
1 Year+22%
1 Month-3%
$9.81
+2.29%
+0.22Today
First Guaranty Bancshares last closing stock price
MetricPriceDate
Last closeUSD 9.742026-08-03
First Guaranty Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.06%USD 9.362026-07-27
1 month-2.6%USD 10.002026-07-02
3 month+4.73%USD 9.302026-05-05
Year to date+81.79%USD 5.362025-12-31
1 year+21.66%USD 8.012025-08-01
3 year-14.85%USD 11.442023-08-04
5 year-35.31%USD 15.062021-08-04
Since inception+103.94%USD 4.702004-03-18

First Guaranty Bancshares Financials at a Glance

Market Cap

$157.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$188.93M

Net Income (TTM)

-$36.38M

EPS (TTM)

-$3.37

P/E Ratio

-2.85

Dividend

$0.04

Beta (Volatility)

0.50 (Low)

Price

$9.81

Volume

10,682.903

Open

$9.72

Previous Close

$9.74

Daily Range

$9.69 - $9.88

52-Week Range

$4.31 - $11.02

Estimated Earnings Date

Nov 16, 2026

FGBI News

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First Guaranty Posts Loss as Costs Jump

Motley Fool Markets TeamAug 25, 2025
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First Guaranty (FGBI) Q2 Loss Jumps 194%

Motley Fool Markets TeamAug 2, 2025

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About First Guaranty Bancshares

First Guaranty helps people and businesses manage money and access loans. Its checking accounts let families pay bills, while business loans help companies grow. The bank serves customers in Louisiana, Texas, Kentucky, and West Virginia.

Money Moves: Products and Services

  • Deposit Accounts: Checking, savings, and money market accounts for individuals, businesses, and local governments (percentage of revenue not disclosed).
  • Lending Services: Real estate, commercial, agricultural, and consumer loans for small businesses and individuals (80.1% of loans are real estate secured).
  • Business Solutions: Merchant services, remote deposit, and lockbox services for business clients (revenue share not specified).
  • Consumer Banking Tools: Credit cards, online banking, ATMs, and mobile deposit for everyday banking needs.
  • Investment Activities: Investments in U.S. government securities, municipal bonds, and mortgage-backed securities to manage risk and liquidity.

Branching Out: Growth and Expansion

  • Expanded branch network to 36 locations across Louisiana, Texas, Kentucky, and West Virginia by 2025.
  • Issued new common stock in 2025 to strengthen capital and support operations.
  • Reduced workforce from 495 to 360 employees between June 2024 and June 2025 as part of cost-saving measures.
  • Sold nonperforming loans, including an $8.8 million non-accrual loan in July 2025, to reduce risk.

Why First Guaranty Stands Out

The company focuses on local decision-making and personal service, tailoring products to community needs. It manages risk by diversifying its loan portfolio and regularly stress-testing commercial real estate loans. Public funds from schools and municipalities make up a significant share of deposits, supporting stable funding.

Five Things You Need to Know

  • Interest income was $108.8 million for H1 2025, up 2.1% year-over-year.
  • Net loss was $(13.5) million for H1 2025, down from $9.5 million profit in 2024.
  • Nonperforming assets reached $127.1 million at June 30, 2025 (3.2% of assets).
  • Book value per share fell to $15.21 at June 30, 2025, from $17.75 at year-end 2024.
  • Common stock dividend dropped to $0.01 per share in Q2 2025 from $0.16 in Q2 2024.

Bottom Line

First Guaranty has adapted by cutting costs, raising capital, and managing risk in a challenging environment. Its focus on local markets and diversified lending shapes its current position.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

333

CEO

Michael R. Mineer, MBA

Website

www.fgb.net

Headquarters

Hammond, LA 70401, US

FGBI Financials

Key Financial Metrics (TTM)

Gross Margin

19.97%

Operating Margin

-24.04%

Net Income Margin

-19.26%

Return on Equity

-16.19%

Return on Capital

-16.63%

Return on Assets

-0.93%

Earnings Yield

-35.09%

Dividend Yield

0.42%

Payout Ratio

-6.08%

Stock Overview

Market Cap

$157.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

16.46M

Volume

10.68K

Avg. Volume

43.80K

Financials (TTM)

Gross Profit

$37.73M

Operating Income

-$45.41M

EBITDA

-$42.28M

Operating Cash Flow

$55.24M

Capital Expenditure

-$1.54M

Free Cash Flow

$53.70M

Cash & ST Invst.

$1.99B

Total Debt

$186.28M

First Guaranty Bancshares Performance Analysis

First Guaranty Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 147,192,00020.0%
20232023-12-31USD 193,429,00031.4%
20242024-12-31USD 245,618,00027.0%
20252025-12-31USD 220,853,000-10.1%
First Guaranty Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-1.8%
Q42025-12-31-3.4%
Q12026-03-31-1.6%
Q22026-06-30-45.3%
First Guaranty Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.482.5%
20232023-12-31USD 0.62-75.1%
20242024-12-31USD 0.8131.2%
20252025-12-31USD -4.17N/A
First Guaranty Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-393.4%
Q42025-12-31104.0%
Q12026-03-3116.7%
Q22026-06-3021.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$28.58M

-48.9%

Gross Profit

$21.55M

+195.9%

Gross Margin

75.41%

N/A

Market Cap

$157.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$456.33K

N/A

Employees

346

N/A

Net Income

$3.43M

+147.0%

EBITDA

$4.34M

+151.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$1.99B

+83.6%

Total Debt

$186.28M

+0.1%

Accounts Receivable

$11.88M

-93.0%

Inventory

$0.00

N/A

Long Term Debt

$179.05M

+0.0%

Short Term Debt

$7.23M

+1.5%

Return on Assets

-0.93%

N/A

Return on Invested Capital

-1.17%

N/A

Free Cash Flow

$0.00

+100.0%

Operating Cash Flow

$0.00

+100.0%

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Questions About FGBI

What is the current price of First Guaranty Bancshares?

First Guaranty Bancshares is trading at $9.74 per share.

What is the 52-week range for First Guaranty Bancshares?

Over the past 52 weeks, First Guaranty Bancshares has traded between $4.31 and $11.02.

How much debt does First Guaranty Bancshares have?

As of the most recent reporting period, First Guaranty Bancshares reported total debt of $186.28M.

How much cash does First Guaranty Bancshares have on hand?

First Guaranty Bancshares does not have cash on hand data available.

What is First Guaranty Bancshares’s dividend yield?

First Guaranty Bancshares currently has a dividend yield of 0.42%.

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