First Guaranty Valuation
| FGBI Stock | USD 10.28 0.07 0.68% |
At this time, the firm appears to be undervalued. First Guaranty Bancshares shows a prevailing Real Value of $11.15 per share. The current price of the firm is $10.28. Our model computes the value of First Guaranty Bancshares from reviewing the firm fundamentals such as Current Valuation of (2.52 M), shares outstanding of 12.5 M, and Profit Margin of 0.13 % as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting First Guaranty's valuation include:
Undervalued
Today
Please note that First Guaranty's price fluctuation is not too volatile at this time. Calculation of the real value of First Guaranty Bancshares is based on 3 months time horizon. Increasing First Guaranty's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since First Guaranty is currently traded on the exchange, buyers and sellers on that exchange determine the market value of First Stock. However, First Guaranty's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 10.28 | Real 11.15 | Target 12.75 | Hype 10.28 | Naive 9.62 |
The intrinsic value of First Guaranty's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence First Guaranty's stock price.
Estimating the potential upside or downside of First Guaranty Bancshares helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First Guaranty more accurately as focusing exclusively on First Guaranty's fundamentals will not take into account other important factors: When choosing an evaluation method for First Guaranty Bancshares, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
First Guaranty Cash |
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First Valuation Trend
First Guaranty's real value analysis enables investors to forecast the earnings more efficiently. Using both First Guaranty's enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing decisions.
First Guaranty Total Value Analysis
First Guaranty Bancshares is currently forecasted to have valuation of (2.52 M) with market capitalization of 128.55 M, debt of 275.4 M, and cash on hands of 120.4 M. The negative valuation of First Guaranty may imply that the market is not capable to price the future growth of the company or it is pricing it at zero value. It may also suggest that takeover valuation may not have captured all of the outstanding financial obligations of the company both on and off balance sheet. Investors should vigilantly validate all of the First Guaranty fundamentals.| Takeover Price | Market Cap | Debt Obligations | Cash |
(2.52 M) | 128.55 M | 275.4 M | 120.4 M |
First Guaranty Investor Information
About 52.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.58. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Guaranty Bancshares last dividend was issued on the 27th of December 2024. The entity had 11:10 split on the 14th of December 2021. 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.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.12 | 0.1364 |
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| Total Cash From Operating Activities | 23.7 M | 25 M |
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| Operating Income | 13.6 M | 14.4 M |
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First Guaranty Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of First signifies not a very effective usage of assets in February.First Guaranty Ownership Allocation
The market capitalization of First Guaranty Bancshares is $128.55 Million. First Guaranty Bancshares retains significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. On December 15, 2023, Senator Tommy Tuberville of US Senate acquired $15k to $50k worth of First Guaranty Bancshares's common stock.First Guaranty Profitability Analysis
The company reported the previous year's revenue of 91.57 M. Net Income was 9.22 M with profit before overhead, payroll, taxes, and interest of 95.48 M.First Guaranty Past Distributions to stockholders
About First Guaranty Valuation
An absolute valuation paradigm, as applied to First Stock, attempts to find the value of First Guaranty Bancshares based on its fundamental and basic technical indicators. By analyzing First Guaranty's financials, quarterly and monthly indicators, and their related drivers, such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of First Guaranty's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of First Guaranty. We calculate exposure to First Guaranty's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of First Guaranty's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 105.3 M | 62.3 M | |
| Pretax Profit Margin | 0.12 | 0.11 | |
| Operating Profit Margin | 0.14 | 0.12 | |
| Net Profit Margin | 0.09 | 0.09 | |
| Gross Profit Margin | 1.13 | 1.08 |
First Guaranty Quarterly Retained Earnings |
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A single share of First Guaranty represents a small ownership stake in the entity. As a stockholder of First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
First Guaranty Dividends Analysis For Valuation
The First Guaranty's current Dividend Payout Ratio is estimated to increase to 0.99, while Dividends Paid is projected to decrease to under 6.2 M. . As of now, First Guaranty's Earning Assets are decreasing as compared to previous years. The First Guaranty's current Earnings Yield is estimated to increase to 0.11, while Retained Earnings are projected to decrease to under 54.9 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 11.2 M | 6.2 M | |
| Dividend Yield | 0.09 | 0.05 | |
| Dividend Payout Ratio | 0.95 | 0.99 | |
| Dividend Paid And Capex Coverage Ratio | 1.01 | 0.96 |
There are various types of dividends First Guaranty can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from First Guaranty Bancshares directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of First Guaranty by the value of the dividends paid out.
First Guaranty Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 11.2 M | |
| Quarterly Earnings Growth Y O Y | 0.033 | |
| Forward Price Earnings | 11.7233 |
First Guaranty Current Valuation Indicators
Valuation refers to the process of determining the present value of First Guaranty Bancshares and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value First we look at many different elements of the entity such as First's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as First Guaranty, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use First Guaranty's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes First Guaranty's worth.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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