First Guaranty Financials

FGBI Stock  USD 10.28  0.07  0.68%   
Based on the key measurements obtained from First Guaranty's financial statements, First Guaranty Bancshares is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March. As of now, First Guaranty's Property Plant And Equipment Net is increasing as compared to previous years. The First Guaranty's current Accounts Payable is estimated to increase to about 14.3 M, while Total Stockholder Equity is projected to decrease to under 157.7 M. Key indicators impacting First Guaranty's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.08610.0906
Notably Down
Pretty Stable
Return On Assets0.00280.003
Notably Down
Slightly volatile
Return On Equity0.04030.0425
Notably Down
Slightly volatile
Debt Equity Ratio1.040.99
Sufficiently Up
Slightly volatile
Operating Income13.6 M14.4 M
Notably Down
Pretty Stable
Current Ratio0.09580.1
Sufficiently Down
Slightly volatile
The financial analysis of First Guaranty is a critical element in measuring its lifeblood. Investors should not minimize First Guaranty's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

14.79 Million

  
Understanding current and past First Guaranty Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First Guaranty's financial statements are interrelated, with each one affecting the others. For example, an increase in First Guaranty's assets may result in an increase in income on the income statement.

First Guaranty Stock Summary

First Guaranty competes with US Bancorp, Truist Financial, Fifth Third, KeyCorp, and Huntington Bancshares. First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana. First Gurty operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 463 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS32043P1066
CUSIP32043P106
LocationLouisiana; U.S.A
Business Address400 East Thomas
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.fgb.net
Phone985 345 7685
CurrencyUSD - US Dollar

First Guaranty Key Financial Ratios

First Guaranty Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets2.5B2.9B3.2B3.6B4.1B4.3B
Net Debt(188.4M)(218.6M)94.1M(17.0M)(15.3M)(16.1M)
Retained Earnings57.4M56.7M76.4M68.0M78.2M54.9M
Accounts Payable5.3M4.5M4.3M11.8M13.6M14.3M
Cash298.9M261.7M82.8M286.1M329.0M345.5M
Other Assets1.6B2.0B2.1B17.0M19.5M18.5M
Net Receivables11.9M12.0M328.1M299.7M344.7M361.9M
Other Current Assets313.8M276.1M96.3M303.4M273.1M350.1M
Total Liab2.3B2.7B2.9B3.3B3.8B4.0B
Total Current Assets549.4M484.4M542.3M286.5M257.8M244.9M
Short Term Debt50M3.2M140M70.3M80.9M84.9M
Intangible Assets6.6M5.9M5.0M4.3M4.9M3.7M
Other Liab5.4M6.0M3.6M4.9M5.6M4.3M
Long Term Debt60.5M40.0M36.9M209.1M240.5M252.5M
Inventory(313.8M)(276.1M)(98.8M)270.4M243.4M255.5M
Other Current Liab(55.3M)(4.5M)(144.3M)2.5B2.2B2.3B
Net Tangible Assets146.6M159.9M172.0M184.1M211.7M155.7M
Long Term Debt Total63.3M57.1M40.0M36.9M42.5M42.5M
Short Long Term Debt50M3.2M140M60M69M36.7M

First Guaranty Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense26.0M22.3M36.5M98.3M113.0M118.7M
Total Revenue98.4M100.4M1.8M91.6M105.3M62.5M
Gross Profit98.4M100.4M1.8M91.6M105.3M62.3M
Operating Income25.5M34.5M72.9M12.5M14.4M13.6M
Ebit25.8M35.1M37.4M11.9M10.7M10.2M
Ebitda29.3M39.2M40.5M15.9M18.3M34.2M
Income Before Tax25.5M34.5M36.4M11.9M13.7M20.5M
Net Income20.3M27.3M28.9M9.2M10.6M14.8M
Income Tax Expense5.2M7.2M7.5M2.7M3.1M5.7M
Tax Provision5.2M7.2M7.5M3.6M3.3M4.6M
Net Interest Income74.7M89.6M100.0M87.0M100.0M75.7M
Interest Income100.7M111.9M136.6M171.0M196.7M106.6M

First Guaranty Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash232.2M(37.7M)(178.7M)203.2M233.7M245.4M
Free Cash Flow17.4M24.3M34.2M6.8M6.1M5.8M
Depreciation3.8M4.8M4.1M4.0M4.6M2.8M
Other Non Cash Items2.9M795K3.7M4.5M5.1M3.5M
Dividends Paid6.2M7.8M9.2M9.7M11.2M6.2M
Capital Expenditures6.3M2.2M2.6M15.0M17.2M18.1M
Net Income20.3M27.3M28.9M9.2M10.6M14.8M
End Period Cash Flow299.6M261.9M83.2M286.5M329.4M345.9M
Investments(128.5M)(453.3M)(467.8M)(226.1M)(203.5M)(213.6M)
Net Borrowings28.7M29.9M(67.0M)134.2M154.4M162.1M
Change To Netincome4.0M2.9M1.6M1.9M1.7M2.2M

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First Guaranty's current stock value. Our valuation model uses many indicators to compare First Guaranty value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Guaranty competition to find correlations between indicators driving First Guaranty's intrinsic value. More Info.
First Guaranty Bancshares is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First Guaranty Bancshares is roughly  14.71 . As of now, First Guaranty's Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the First Guaranty's earnings, one of the primary drivers of an investment's value.

First Guaranty Bancshares Systematic Risk

First Guaranty's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. First Guaranty volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on First Guaranty Bancshares correlated with the market. If Beta is less than 0 First Guaranty generally moves in the opposite direction as compared to the market. If First Guaranty Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one First Guaranty Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of First Guaranty is generally in the same direction as the market. If Beta > 1 First Guaranty moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in First Guaranty Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Guaranty's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Guaranty growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.15)

As of now, First Guaranty's Price Earnings To Growth Ratio is increasing as compared to previous years.

First Guaranty February 2, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First Guaranty help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Guaranty Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Guaranty Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Guaranty's daily price indicators and compare them against related drivers.

Complementary Tools for First Stock analysis

When running First Guaranty's price analysis, check to measure First Guaranty's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Guaranty is operating at the current time. Most of First Guaranty's value examination focuses on studying past and present price action to predict the probability of First Guaranty's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Guaranty's price. Additionally, you may evaluate how the addition of First Guaranty to your portfolios can decrease your overall portfolio volatility.
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