First Guaranty Bancshares Inc. Common Stock (FGBI)

FairStock Score: 48/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach First Guaranty Bancshares as a small regional bank, not a franchise with a wide moat. It serves Louisiana and Texas through First Guaranty Bank; community relationships matter, but banking is a commodity business where funding costs and credit discipline determine survival. The record is uneven. In FY2023 (period ended 2023-12-31) it earned $9.2M, or $0.62 per diluted share, and in FY2024 (period ended 2024-12-31) it earned $12.4M, or $0.81. Then in fiscal Q3 2025 (the quarter ended 2025-09-30) it lost $45.0M, or $3.01 per diluted share, and FY2025 (period ended 2025-12-31) ended with a $56.0M loss, or $4.17 per diluted share. That is severe for a $133.8M market-cap company. Recovery is early: fiscal Q4 2025 (quarter ended 2025-12-31) net income was $2.5M; fiscal Q1 2026 (quarter ended 2026-03-31) was $2.7M, or $0.14 per share; and fiscal Q2 2026 (quarter ended 2026-06-30) was $3.4M, or $0.17 per share. At the 2026-10-13 close of $8.09, FairStock calculates P/B at 0.69 and a negative trailing P/E of -3.34; FairStock's ROE is -14.84%. FairStock's Piotroski is 3/9, its revenue growth calculation is -11.08%, and its FairStock Score is 48/100. The bank-specific details I need - CET1, net interest margin, credit quality, reserves, efficiency ratio - are not in the data; combined ratio is not applicable to a bank. Without them, sub-book price is not automatically a bargain. Lynch classifies it as TURNAROUND because it had a loss after earlier profits. I want evidence recent profits are durable and FY2025 was a cleanup, not a credit cycle.

In plain English: First Guaranty Bancshares is a small bank holding company that runs First Guaranty Bank in Louisiana and Texas. The bank lost a lot of money in its latest full year and is only recently showing small profits again. At $8.09, the stock trades at a discount to its stated net worth, which can look cheap, but the bank still looks weak until those profits prove lasting and credit problems stay contained.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer