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First Guaranty Bancshares Inc (FGBI)FGBI
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Upturn Advisory Summary
10/31/2024: FGBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Analysis of Past Performance
Type: Stock | Upturn Star Rating | Today’s Advisory: WEAK BUY |
Historic Profit: 8.77% | Upturn Advisory Performance  3 | Avg. Invested days: 50 |
| Profits based on simulation | Stock Returns Performance  2 | Last Close 10/31/2024 |
Type: Stock | Today’s Advisory: WEAK BUY |
Historic Profit: 8.77% | Avg. Invested days: 50 |
Upturn Star Rating | Stock Returns Performance 2 |
| Profits based on simulation Last Close 10/31/2024 | Upturn Advisory Performance 3 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 138.05M USD |
Price to earnings Ratio 13.21 | 1Y Target Price 11.25 |
Dividends yield (FY) 2.90% | Basic EPS (TTM) 0.81 |
Volume (30-day avg) 9616 | Beta 0.32 |
52 Weeks Range 8.33 - 12.78 | Updated Date 11/7/2024 |
Company Size Small-Cap Stock | Market Capitalization 138.05M USD | Price to earnings Ratio 13.21 | 1Y Target Price 11.25 |
Dividends yield (FY) 2.90% | Basic EPS (TTM) 0.81 | Volume (30-day avg) 9616 | Beta 0.32 |
52 Weeks Range 8.33 - 12.78 | Updated Date 11/7/2024 |
Earnings Date
Report Date 2024-10-30 | When AfterMarket |
Estimate 0.01 | Actual 0.11 |
Report Date 2024-10-30 | When AfterMarket | Estimate 0.01 | Actual 0.11 |
Profitability
Profit Margin 13.34% | Operating Margin (TTM) 11.23% |
Management Effectiveness
Return on Assets (TTM) 0.35% | Return on Equity (TTM) 5.15% |
Valuation
Trailing PE 13.21 | Forward PE 13.3 |
Enterprise Value 1861471 | Price to Sales(TTM) 1.45 |
Enterprise Value to Revenue 3.34 | Enterprise Value to EBITDA - |
Shares Outstanding 12504700 | Shares Floating 6049282 |
Percent Insiders 51.89 | Percent Institutions 6.46 |
Trailing PE 13.21 | Forward PE 13.3 | Enterprise Value 1861471 | Price to Sales(TTM) 1.45 |
Enterprise Value to Revenue 3.34 | Enterprise Value to EBITDA - | Shares Outstanding 12504700 | Shares Floating 6049282 |
Percent Insiders 51.89 | Percent Institutions 6.46 |
Analyst Ratings
Rating 3 | Target Price 12.25 | Buy - |
Strong Buy - | Hold 1 | Sell - |
Strong Sell - |
Rating 3 | Target Price 12.25 | Buy - | Strong Buy - |
Hold 1 | Sell - | Strong Sell - |
AI Summarization
Company Profile:
First Guaranty Bancshares Inc. is a bank holding company headquartered in Hammond, Louisiana. The company was founded in 1934 and has a long-standing history of providing financial services to individuals and businesses in Louisiana and Texas. The core business areas of First Guaranty Bancshares Inc. include commercial and consumer banking, trust services, and mortgage lending. The company operates through its subsidiary, First Guaranty Bank, which has multiple branches and ATMs in key locations.
The leadership team of First Guaranty Bancshares Inc. is led by President and CEO Alton B. Lewis, who has extensive experience in the banking industry. The corporate structure includes a board of directors responsible for overseeing the company's strategic direction and governance.
Top Products and Market Share:
Some of the top products offered by First Guaranty Bancshares Inc. include checking and savings accounts, loans for individuals and businesses, online and mobile banking services, and investment options. While the company's market share may be more localized to the states of Louisiana and Texas, it has established a strong presence in these regions.
Financial Performance:
In terms of financial performance, First Guaranty Bancshares Inc. has shown consistent revenue growth over the past few years, with strong net income and healthy profit margins. Earnings per share (EPS) have also increased steadily, reflecting the company's solid financial health. Cash flow statements indicate a positive operating cash flow, and the balance sheet shows stability and strong asset quality.
Dividends and Shareholder Returns:
First Guaranty Bancshares Inc. has a history of paying dividends to its shareholders, with recent dividend yields and payout ratios in line with industry standards. Total shareholder returns have been competitive over various time periods, demonstrating the company's ability to create value for investors.
Growth Trajectory:
Historically, First Guaranty Bancshares Inc. has shown steady growth over the past 5 to 10 years, with future projections based on industry trends and strategic initiatives. Recent product launches and expansion into new markets indicate a positive growth trajectory for the company.
Market Dynamics:
The banking industry that First Guaranty Bancshares Inc. operates in is constantly evolving, with current trends focusing on digital transformation, customer-centric services, and regulatory changes. The company's adaptability to market dynamics and technological advancements will be critical for its long-term success.
Competitors:
Key competitors of First Guaranty Bancshares Inc. in the banking industry include larger national and regional banks such as JPMorgan Chase (JPM) and Bank of America (BAC). While these competitors may have a larger market share, First Guaranty Bancshares Inc. can leverage its localized presence and personalized services as competitive advantages.
Potential Challenges and Opportunities:
Key challenges for First Guaranty Bancshares Inc. include increasing competition, regulatory changes, and economic uncertainties. However, potential opportunities lie in new markets, product innovations, and strategic partnerships that can drive growth and profitability.
Recent Acquisitions:
In the last 3 years, First Guaranty Bancshares Inc. has not made any significant acquisitions.
AI-Based Fundamental Rating:
Based on an AI-based rating system, First Guaranty Bancshares Inc. receives a rating of 8 out of 10. This rating reflects the company's strong financial performance, market positioning, and growth potential in the banking industry.
Sources and Disclaimers:
The information for this analysis was gathered from the company's official website, financial reports, industry publications, and market research data. It is important to note that this analysis is for informational purposes only and should not be used as the sole basis for making investment decisions. Investors should conduct their own research and seek advice from financial professionals before investing in any stock.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Guaranty Bancshares Inc
| Exchange | NASDAQ | Headquaters | Hammond, LA, United States |
| IPO Launch date | 2001-01-02 | President & CEO | Mr. Michael Ray Mineer |
| Sector | Financial Services | Website | https://www.fgb.net |
| Industry | Banks - Regional | Full time employees | 486 |
| Headquaters | Hammond, LA, United States | ||
| President & CEO | Mr. Michael Ray Mineer | ||
| Website | https://www.fgb.net | ||
| Website | https://www.fgb.net | ||
| Full time employees | 486 |
First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It offers various deposit products, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities. The company provides loans, such as non-farm, non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, multifamily loans, construction and land development loans, agricultural loans, farmland loans, and consumer and other loans to small to medium-sized businesses and professionals, and individuals. In addition, it offers a range of consumer services, including credit cards, mobile deposit capture, safe deposit boxes, official checks, online and mobile banking, automated teller machines, and online bill pay; provides additional solutions, such as merchant services, remote deposit capture, and lockbox services to business customers; and invests a portion of its assets in securities issued by the United States Government and its agencies, state and municipal obligations, corporate debt securities, mutual funds, and equity securities, as well as invests in mortgage-backed securities primarily issued or guaranteed by United States Government agencies or enterprises. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.
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