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Upturn AI SWOT - About
FGBI 
First Guaranty Bancshares Inc (FGBI)
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Upturn Advisory Summary
03/10/2025: FGBI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 25.75% | Avg. Invested days 56 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 96.29M USD | Price to earnings Ratio 9.51 | 1Y Target Price 11.5 |
Price to earnings Ratio 9.51 | 1Y Target Price 11.5 | ||
Volume (30-day avg) 12389 | Beta 0.44 | 52 Weeks Range 6.55 - 15.22 | Updated Date 03/31/2025 |
52 Weeks Range 6.55 - 15.22 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 3.37% | Basic EPS (TTM) 0.81 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.36% | Operating Margin (TTM) 6.13% |
Management Effectiveness
Return on Assets (TTM) 0.33% | Return on Equity (TTM) 4.93% |
Valuation
Trailing PE 9.51 | Forward PE 11.72 | Enterprise Value -221551680 | Price to Sales(TTM) 1.03 |
Enterprise Value -221551680 | Price to Sales(TTM) 1.03 | ||
Enterprise Value to Revenue 2.89 | Enterprise Value to EBITDA - | Shares Outstanding 12504700 | Shares Floating 5897350 |
Shares Outstanding 12504700 | Shares Floating 5897350 | ||
Percent Insiders 51.91 | Percent Institutions 8.02 |
Analyst Ratings
Rating 3 | Target Price 12.75 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Guaranty Bancshares Inc
Company Overview
History and Background
First Guaranty Bancshares, Inc. (FGBI) was founded in 1934. The company has grown organically and through acquisitions to provide financial services to communities in Louisiana and Texas.
Core Business Areas
- Community Banking: Provides a range of banking services, including checking and savings accounts, loans, and other financial products to individuals and small businesses.
- Commercial Lending: Offers various lending products to businesses, including commercial real estate loans, working capital lines of credit, and equipment financing.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes various departments responsible for different aspects of the business, such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provide financing for commercial properties. Market share data is not publicly available. Competitors include other regional and national banks.
- Small Business Loans: Offers loans to small businesses for various purposes. Market share data is not publicly available. Competitors include other regional and national banks and credit unions.
- Personal Banking Services: Includes checking, savings, and mortgage services. Market share data is not publicly available. Competitors include other regional and national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is subject to regulations, economic conditions, and technological changes. It is characterized by competition and consolidation.
Positioning
First Guaranty Bancshares, Inc. is positioned as a community bank that provides personalized service and local expertise. It seeks to differentiate itself through relationships and community involvement.
Total Addressable Market (TAM)
The TAM for community banking in Louisiana and Texas is significant. FGBI's positioning allows it to capture a portion of this market through relationship-based banking.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Local market expertise
- Diversified product offerings
Weaknesses
- Limited geographic presence
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower brand recognition compared to large national banks
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Acquisition of other community banks
- Growth in the local economy
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOKF
- CADE
- IBOC
- FHN
Competitive Landscape
FGBI's competitive advantage lies in its community focus and personalized service. It faces challenges from larger banks with greater resources and fintech companies offering innovative solutions.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth data requires access to FGBI's financial statements, which are unavailable in this context.
Future Projections: Future projections require analyst estimates, which are unavailable in this context.
Recent Initiatives: Recent Initiatives require research of FGBI news and reports which is unavailable in this context.
Summary
First Guaranty Bancshares is a smaller regional bank focusing on community banking in Louisiana and Texas. Its strengths are in local relationships and personalized service, though it faces competition from larger institutions. Opportunities exist for expansion and adoption of new technologies, but economic downturns and regulatory changes pose threats. Comprehensive analysis requires access to detailed financial statements, which is unavailable here.
Similar Companies
- BOKF
- CADE
- IBOC
- FHN
Sources and Disclaimers
Data Sources:
- Company website, SEC filings (where available), industry reports.
Disclaimers:
The information provided is for general informational purposes only and should not be construed as financial advice. Financial data is limited due to lack of access to private financial reports. Market share data is based on the financial institutionu2019s reach in the states of operation as this is not provided.
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 | Industry Banks - Regional | Full time employees 396 | Website https://www.fgb.net |
Full time employees 396 | Website https://www.fgb.net | ||
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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