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First Guaranty Bancshares, Inc.

FGBI

$9.55 ▲ +0.04 (+0.37%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

First Guaranty Bancshares, Inc. faces fundamental challenges with weakness in Return on Common Equity (%) and Profit Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $133.6M

Dividend Yield 0.42%

Revenue Growth -15.7% ↘

Op. Margin -48.4% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 0.7x

FCF Yield —

Debt / Equity 0.84

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$95.42M

↓ -15.7% —

Net Income Profit after all expenses

$-56.02M

↓ -550.0% —

Operating Margin Operating profit as % of sales

-48.4%

↓ -442.4% 5th

Long-Term Debt Long-term obligations

$179.00M

↓ -8.2% —

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Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile
Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.04 Latest / share

-90.2% YoY

-22.3% 12-yr CAGR

$0.64

FY 2014

$0.60

FY 2015

$0.58

FY 2016

$0.60

FY 2017

$0.64

FY 2018

$0.60

FY 2019

$0.58

FY 2020

$0.60

FY 2021

$0.64

FY 2022

$0.64

FY 2023

$0.41

FY 2024

$0.04

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	-15.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-362%)	18.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+213%)	-14.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-337%)	10.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+77%)	2.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-67%)	40.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+578%)	12.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+105%)	1.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-78%)	6.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+5%)	2.5% Caution → Caution Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	12.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+104%)	6.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+7%)	-11.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-287%)	4.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-20%)	6.4% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+6%)	20.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+248%)	—	—
EPS Growth YoY (%)	N/M	30.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-75.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	27.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	29.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-8.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	17.5% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-18.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	16.9% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	28.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	63.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-31.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	24.6% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	35.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-68.1% Weak ↓ Weak Declining Year-over-year change in net income	5.8% Fair ↓ Fair Declining Year-over-year change in net income	34.3% Excellent ↑ Excellent Improving Year-over-year change in net income	42.7% Excellent ↑ Excellent Improving Year-over-year change in net income	0.2% Caution ↓ Caution Declining Year-over-year change in net income	21.0% Good ↑ Good Improving Year-over-year change in net income	-16.6% Weak ↓ Weak Declining Year-over-year change in net income	-2.8% Weak ↓ Weak Declining Year-over-year change in net income	29.2% Excellent ↑ Excellent Improving Year-over-year change in net income	22.7% Good ↑ Good Improving Year-over-year change in net income	-24.2% Weak ↓ Weak Declining Year-over-year change in net income	50.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-19.9% Weak Weak Year-over-year change in net income	32.0% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-4.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	-1.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	16.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	6.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.4% Weak Weak Compound annual revenue growth over 3 years	10.5% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-0.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	10.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	8.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	11.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.4% Caution Caution Compound annual revenue growth over 5 years	5.0% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	-30.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-31.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	19.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	14.6% Good ↑ Good Improving Compound annual EPS growth over 3 years	11.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	-4.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-7.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-7.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	7.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	7.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	20.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-1.9% Weak Weak Compound annual EPS growth over 3 years	12.0% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	-48.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-294%)	14.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	12.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	32.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	34.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	25.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	18.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	-58.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-367%)	11.0% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	9.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	26.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	27.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	20.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	20.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	22.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.1% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	24.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	25.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	22.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.4% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	22.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	21.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.2% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-25.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-311%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	3.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	9.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	11.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	12.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	6.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	10.2% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	8.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.84x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	0.79x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	1.15x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.63x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-47%)	0.22x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.50x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.37x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.05x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.36x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.05x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.12x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.13x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$6.82	$9.05	$8.53	$10.36	$9.37	$9.19	$7.22	$7.07	$7.14	$6.91	$8.05	$7.99	$7.51	$8.46	$8.18	$7.80	$6.46	—
Basic EPS, GAAP (USD)	$-4.17	$0.81	$0.62	$2.48	$2.42	$1.90	$1.47	$1.61	$1.37	$1.68	$2.01	$1.72	$1.34	$1.60	$0.98	$1.42	$1.14	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.04	$0.41	$0.64	$0.64	$0.60	$0.58	$0.60	$0.64	$0.60	$0.58	$0.60	$0.64	$0.64	$0.64	$0.58	$0.58	$0.58	—
Book Value per Share (USD)	$14.00	$20.50	$19.14	$21.60	$20.89	$16.66	$17.13	$16.72	$16.73	$14.86	$16.86	$22.19	$19.62	$21.33	$20.11	$16.01	$15.52	—
Tangible Book Value per Share (USD)	$13.83	$19.19	$17.76	$19.93	$19.14	$14.85	$15.05	$15.93	$15.81	$14.49	$16.37	$21.59	$18.97	$20.63	$19.35	$15.40	$15.52	—
Basic Weighted Avg Shares (shares)	13.99M	12.50M	11.17M	10.72M	10.72M	10.72M	9.70M	8.81M	8.61M	8.37M	7.01M	6.29M	6.29M	6.29M	6.21M	6.12M	6.12M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$179.00M	$194.90M	$209.10M	—	$43.20M	—	$63.30M	$34.50M	$37.40M	—	$40.40M	$1.46M	$500.00K	$1.10M	$3.20M	—	—	—
Total Equity (USD)	$221.07M	$256.40M	$238.82M	$231.44M	$223.89M	$178.59M	$166.03M	$147.28M	$143.98M	$124.35M	$118.22M	$139.58M	$123.41M	$134.18M	$126.60M	$97.94M	$94.94M	$65.49M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$95.42M	$113.18M	$95.28M	$111.05M	$100.38M	$98.45M	$69.98M	$62.30M	$61.49M	$57.85M	$56.43M	$50.27M	$47.23M	$53.22M	$50.76M	$47.73M	$39.48M	—
Depreciation Expense (USD)	$3.20M	$3.40M	$3.00M	$3.10M	$3.40M	$2.80M	$2.30M	$2.10M	$1.80M	$1.70M	$1.60M	$1.70M	$1.70M	$1.60M	$1.40M	—	—	—
Net Income, GAAP (USD)	$-56.02M	$12.45M	$9.22M	$28.88M	$27.30M	$20.32M	$14.24M	$14.21M	$11.75M	$14.09M	$14.51M	$11.22M	$9.15M	$12.06M	$8.03M	$10.03M	$7.59M	—
Operating Cash Flow (USD)	$-8.28M	$33.73M	$21.71M	$36.87M	$26.52M	$23.76M	$29.08M	$26.89M	$12.28M	$22.21M	—	—	$17.17M	$16.90M	$17.97M	$16.24M	$2.53M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.1%	2.2%	2.4%	3.2%	3.1%	3.0%	2.9%	3.1%	3.0%	3.2%	3.3%	2.9%	2.8%	3.0%	2.9%	3.4%	—	—
Efficiency Ratio (%) (%)	86.2%	68.2%	83.6%	63.9%	63.6%	58.9%	67.5%	69.5%	62.6%	56.8%	55.1%	62.8%	65.6%	58.6%	56.8%	56.2%	60.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

First Guaranty Bancshares, Inc.

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