Stock FGBI FIRST GUARANTY BANCSHARES, INC.
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Financials First Guaranty Bancshares, Inc.

Equities

FGBI

US32043P1066

Banks

Market Closed - Nasdaq
Other stock markets
 04:30:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
10.38 USD +3.96% Intraday chart for First Guaranty Bancshares, Inc. +0.73% -6.70%
Mar. 28 First Guaranty Bancshares, Inc. announced that it has received $30 million in funding CI
Feb. 21 First Guaranty Bancshares, Inc. Declares Quarterly Cash Dividend, Payable on March 29, 2024 CI

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Capitalization 1 173.1 218.4 251.3 138.2 129.7 -
Enterprise Value (EV) 1 173.1 218.4 251.3 138.2 129.7 129.7
P/E ratio 8.5 x 8.42 x 9.46 x 17.9 x 12.2 x 11.5 x
Yield 3.6% 2.94% 2.73% 5.76% 6.17% 6.17%
Capitalization / Revenue 1,758,327 x 2,191,156 x 2,263,004 x 1,450,784 x - -
EV / Revenue 1,758,327 x 2,191,156 x 2,263,004 x 1,450,784 x - -
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.97 x 1.14 x 1.24 x 0.64 x 0.58 x 0.57 x
Nbr of stocks (in thousands) 10,715 10,715 10,717 12,431 12,505 -
Reference price 2 16.15 20.38 23.45 11.12 10.38 10.38
Announcement Date 2/3/21 1/26/22 1/31/23 2/5/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Net sales 98.45 99.66 111.1 95.28 - -
EBITDA - - - - - -
EBIT 25.62 35.8 40.05 15.61 - -
Operating Margin 26.03% 35.92% 36.06% 16.38% - -
Earnings before Tax (EBT) 1 25.54 34.46 36.39 11.9 16.65 17.62
Net income 1 20.32 25.91 26.56 6.89 10.58 11.33
Net margin 20.64% 26% 23.91% 7.23% - -
EPS 2 1.900 2.420 2.480 0.6200 0.8500 0.9000
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.5818 0.6000 0.6400 0.6400 0.6400 0.6400
Announcement Date 2/3/21 1/26/22 1/31/23 2/5/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 25.89 27.67 26.94 28.84 29.47 25.86 25 23.72 22.93 23.62 - - - - -
EBITDA - - - - - - - - - - - - - - -
EBIT 10.14 10.57 10.19 11.02 11.69 7.155 4.839 3.99 2.938 3.843 - - - - -
Operating Margin 39.17% 38.19% 37.83% 38.21% 39.67% 27.67% 19.35% 16.82% 12.81% 16.27% - - - - -
Earnings before Tax (EBT) 1 9.838 10.16 9.562 10.26 10.17 6.397 4.525 3.442 2.311 1.618 2.41 3.78 4.98 5.49 4.25
Net income 1 7.209 7.467 7.003 8.1 7.471 4.539 2.886 2.676 1.19 0.721 1.28 2.34 3.28 3.67 2.71
Net margin 27.84% 26.98% 25.99% 28.09% 25.35% 17.55% 11.54% 11.28% 5.19% 3.05% - - - - -
EPS 2 0.6727 0.7000 0.6500 0.7000 0.7000 0.4200 0.2700 0.1900 0.1000 0.0600 0.1000 0.1900 0.2600 0.2900 0.2200
Dividend per Share 2 0.1454 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600
Announcement Date 10/26/21 1/26/22 4/27/22 7/27/22 10/27/22 1/31/23 4/26/23 8/8/23 10/27/23 2/5/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 11.4% 12.6% 11.6% 2.84% 4.85% 5.04%
ROA (Net income/ Total Assets) 0.87% 0.95% 0.88% 0.21% 0.3% 0.31%
Assets 1 2,335 2,735 3,015 3,352 3,527 3,655
Book Value Per Share 2 16.70 17.80 18.80 17.40 17.80 18.10
Cash Flow per Share - - - - - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 2/3/21 1/26/22 1/31/23 2/5/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
1
Last Close Price
10.38 USD
Average target price
12 USD
Spread / Average Target
+15.66%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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