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    First Guaranty Bancshares, Inc. (FGBI)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $8.16
    +0.21 (+2.64%)

    Market Cap: $131.49M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    51%(20/39)
    Avg Surprise
    -1.83%
    Streak
    3 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.12
    Range$0.12 - $0.12
    1 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.15-20.0%
    60d ago$0.15-20.0%
    30d ago$0.15-20.0%
    7d ago$0.00n/a
    Current$0.12
    Revenue Consensus
    $0
    Range$0 - $0
    0 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.12
    Range$0.12 - $0.12
    1 analysts
    Revenue Consensus
    $0
    Range$0 - $0
    0 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.12---
    Sep 26EST
    		-$0.12---
    Jun 26
    Reported Jul 27
    		$0.17$0.09+88.89%Beat+127.9%
    Mar 26
    Reported Apr 27
    		$0.13$0.07+85.71%Beat+124.1%
    Dec 25
    Reported Mar 31
    		$0.13N/A+144.83%Beat+333.3%
    Sep 25
    Reported Nov 17
    		$-2.30$-0.32-618.75%Miss-2190.9%
    Jun 25
    Reported Aug 18
    		$-0.61$-0.20-205.00%Miss-215.1%
    Mar 25
    Reported May 12
    		$-0.54$0.17-417.65%Miss-485.7%
    Dec 24
    Reported Mar 17
    		$0.03N/A-86.96%Miss-50.0%
    Sep 24
    Reported Oct 31
    		$0.11$0.01+1000.00%Beat+10.0%
    Jun 24
    Reported Jul 23
    		$0.53$0.20+165.00%Beat+178.9%
    Mar 24
    Reported May 10
    		$0.14$0.10+40.00%Beat-48.1%
    Dec 23
    Reported Mar 15
    		$0.06$0.09-33.33%Miss-85.7%
    Sep 23
    Reported Oct 31
    		$0.10$0.16-37.50%Miss-85.7%
    Jun 23
    Reported Aug 9
    		$0.19$0.28-32.14%Miss-72.9%
    Mar 23
    Reported May 10
    		$0.27$0.32-15.63%Miss-58.5%
    Dec 22
    Reported Mar 16
    		$0.42$0.54-22.22%Miss-40.8%
    Sep 22
    Reported Oct 28
    		$0.70$0.71-1.41%Miss+2.9%
    Jun 22
    Reported Jul 27
    		$0.70$0.68+2.94%Beat+42.9%
    Mar 22
    Reported Apr 28
    		$0.65$0.62+4.84%Beat+41.3%
    Dec 21
    Reported Mar 16
    		$0.71$0.68+4.41%Beat+308.8%
    Sep 21
    Reported Nov 9
    		$0.68$0.52+30.77%Beat+58.1%
    Jun 21
    Reported Aug 9
    		$0.49$0.45+8.89%Beat+28.9%
    Mar 21
    Reported Apr 26
    		$0.46$0.37+24.32%Beat+31.4%
    Dec 20
    Reported Feb 10
    		$-0.34$0.35-197.14%Miss-185.0%
    Sep 20
    Reported Nov 2
    		$0.43$0.36+19.44%Beat+19.4%
    Jun 20
    Reported Jul 31
    		$0.38$0.27+40.74%Beat+26.7%
    Mar 20
    Reported May 11
    		$0.35$0.34+2.94%Beat+9.4%
    Dec 19
    Reported Mar 16
    		$0.40$0.46-13.04%Miss+25.0%
    Sep 19
    Reported Nov 1
    		$0.36$0.37-2.70%Miss-2.7%
    Jun 19
    Reported Aug 9
    		$0.30$0.33-9.09%Miss-33.3%
    Mar 19
    Reported May 9
    		$0.32$0.31+3.23%Beat-5.9%
    Dec 18
    Reported Mar 15
    		$0.32$0.37-13.51%Miss+966.7%
    Sep 18
    Reported Nov 9
    		$0.37$0.46-19.57%Miss+1133.3%
    Jun 18
    Reported Aug 9
    		$0.45$0.36+25.00%Beat+18.4%
    Mar 18
    Reported May 10
    		$0.34$0.36-5.56%Miss+1033.3%
    Dec 17
    Reported Feb 16
    		$0.03$0.04-25.00%Miss+0.0%
    Sep 17
    Reported Nov 14
    		$0.03$0.03+0.00%Beat-
    Jun 17
    Reported Aug 14
    		$0.38$0.41-7.32%Miss-
    Mar 17
    Reported Apr 27
    		$0.03$0.03+0.00%Beat-
    Dec 16
    Reported Mar 30
    		$0.03$0.03+0.00%Beat-

    Dividends

    Dividend Metrics

    Forward Yield0.49%
    Forward Annual Dividend$0.04
    Payout Ratio5.25%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR-60.31%
    5Y CAGR-42.57%
    FGBI dividend history and ex-dividend datesRun FGBI in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio-4.36EV/EBITDAN/A
    Price/FCF2.52xFCF Yield39.65%
    Profitability
    Profit Margin-96.50%Operating Margin20.20%
    ROE-14.80%ROIC-12.06%
    Financial Health
    Debt/Equity0.82xInterest Coverage0.12x
    Current Ratio277.69xQuick Ratio277.69x
    Trading Statistics
    Beta0.48Avg Volume26.81K
    52-Week High$10.9952-Week Low$4.29

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$8.32
    SMA 20$8.25
    SMA 50$8.40
    SMA 200$8.90
    EMA 10$8.23
    EMA 20$8.27
    EMA 50$8.50
    EMA 200$8.68

    MACD

    Line: -0.07Signal: -0.06Hist: -0.01

    ADX

    ADX: 8.9+DI: 22.7-DI: 24.4

    Aroon & PSAR

    Aroon Up68.0
    Aroon Down36.0
    PSAR$8.91

    Bollinger Bands

    Upper Band$8.78
    Lower Band$7.72
    %B Position1288%(Upper)
    Band Width0.42

    RSI (14-Day)

    Neutral
    47.1

    Momentum Oscillators

    Stoch %K27.5
    Stoch %D36.9
    Williams %R-65.8
    ROC (10d)-0.4%
    Momentum-0.03
    CCI (20d)-42.6
    MFI (14d)42.1

    Volatility Measures

    ATR (14d)$0.36(4.5%)
    StdDev (20d)0.27
    Hist Vol50.9%(High)

    Volume Flow

    VWAP$8.14
    OBV685.1K
    AD Line-611003361.4B
    CMF (20d)-0.129

    Volume Metrics

    Avg Vol (20d)27.7K
    Vol Ratio0.4x(Low)
    VWMA (20d)$8.37

    Pivot Points

    R3$8.36
    R2$8.22
    R1$8.08
    Pivot Point$7.94
    S1$7.80
    S2$7.66
    S3$7.52

    Advanced Oscillators

    TSI-4.62
    Ultimate Osc48.3
    KST-7.62

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$28.58M$52.27M$53.10M$54.97M$55.98M$56.47M$59.79M$61.41M$68.78M$54.80M$52.35M$49.67M
    Cost of Revenue$7.03M$31.59M$33.39M$79.19M$48.69M$46.79M$41.16M$39.63M$39.21M$33.29M$31.49M$27.81M
    Gross Profit$21.55M$20.69M$19.71M$-24,225,000$7.28M$9.68M$18.63M$21.77M$29.57M$21.50M$20.86M$21.86M
    Operating Expenses$17.21M$19.35M$16.79M$29.79M$16.77M$17.67M$17.46M$19.28M$20.21M$18.51M$19.24M$19.55M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$9.39M$16.55M$9.15M$9.24M$7.84M$8.44M$4.76M$11.28M$10.44M$9.90M$7.95M$11.11M
    Operating Income$4.34M$1.33M$2.92M$-54,010,000$-9,481,000$-7,988,000$1.17M$2.49M$9.35M$2.99M$1.62M$2.31M
    Interest Income$51.28M$52.27M$50.99M$53.50M$54.32M$54.46M$57.72M$57.43M$53.65M$52.91M$50.31M$47.63M
    Interest Expense$29.00M$31.59M$30.75M$31.26M$32.08M$32.24M$35.14M$34.73M$32.41M$30.99M$29.27M$27.18M
    Income Before Tax$4.34M$3.54M$2.92M$-54,010,000$-9,481,000$-7,988,000$1.17M$2.49M$9.35M$2.99M$1.62M$2.31M
    Income Tax Expense$913,000$800,000$469,000$-9,007,000$-2,178,000$-1,822,000$158,000$566,000$2.15M$681,000$315,000$539,000
    Net Income$3.43M$2.74M$2.45M$-45,003,000$-7,303,000$-6,166,000$1.01M$1.93M$7.20M$2.31M$1.30M$1.77M
    EBITDA$4.34M$2.31M$3.95M$-52,942,000$-8,511,000$-6,769,000$2.37M$3.54M$10.52M$4.01M$2.61M$3.32M
    EBITN/A$1.33M$2.92M$-54,010,000$-9,481,000$-7,988,000$1.17M$2.49M$9.35M$2.99M$1.62M$2.31M
    * Some calculated fields are derived from available data when not provided by source

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    News

    First Guaranty Bancshares (NASDAQ:FGBI) Stock Price Crosses Below 50 Day Moving Average - Here's Why

    First Guaranty Bancshares (NASDAQ:FGBI) saw its stock price fall below its 50-day moving average, trading as low as $8.09...

    MarketBeat•10/14/26•Somewhat-Bearish

    How (FGBI) Movements Inform Risk Allocation Models

    This article analyzes First Guaranty Bancshares Inc. (FGBI) using AI models to provide trading strategies. It highlights weak near-term sentiment but strong long-term potential...

    Stock Traders Daily•10/12/26•Somewhat-Bullish

    The Technical Signals Behind (FGBIP) That Institutions Follow

    This article analyzes the technical signals for First Guaranty Bancshares Inc. (FGBIP), noting weak near and mid-term sentiment but a strong long-term outlook. It presents institutional trading strategies including...

    Stock Traders Daily•10/12/26•Neutral

    FGBIP Historical Stock Prices & Daily Price Data | First Guaranty Bancshares, Inc.

    This article provides historical stock prices and daily price data for First Guaranty Bancshares, Inc. (FGBIP). It includes details on recent price performance, institutional holdings, insider trading activity...

    Quiver Quantitative•10/11/26•Neutral

    With $0 left to sell, First Guaranty Bancshares (FGBI) reports an equity offering.

    First Guaranty Bancshares, Inc. has reported an exempt equity offering under Rule 506(b), successfully selling $822,013 in equity with no remaining amount to be sold. The first sale date for this offering was September...

    Stock Titan•10/8/26•Neutral

    FGBI Valuation and Fair Value

    P/E
    -4.4x
    Forward P/E
    11.7x
    P/FCF
    2.5x
    PEG
    0.0x
    P/B
    0.6x
    See GNG's fair value

    FGBI Profitability: Margins, ROIC and FCF

    Gross margin
    20.0%
    Operating margin
    20.2%
    Net margin
    -96.5%
    ROIC
    -12.1%
    ROE
    -14.8%
    FCF margin
    28.0%
    FCF yield
    39.6%

    FGBI Competitors

    CompanyTicker
    Centurion Acquisition Corp.ALF
    Ellington Residential MortgageEARN
    SR Bancorp, Inc. Common stockSRBK
    Perceptive Capital Solutions Corp Class A Ordinary SharesPCSC
    Inflection Point Acquisition Corp. III Class A Ordinary SharesIPCX
    Charlton Aria Acquisition Corporation Class A Ordinary SharesCHAR
    Lake Shore Bancorp IncLSBK
    Riverview Bancorp IncRVSB

    Sector: Financial Services

    FGBI Bull Case vs Bear Case

    Bull case

    • FGBI converts 28.0% of revenue into free cash flow.
    • FGBI grew quarterly revenue 176.8% year over year.

    Bear case

    • FGBI has a -96.5% net profit margin.

    FGBI Earnings: Beat Rate and Next Report

    Beat rate
    4 of 8 quarters (50.0%)
    Average surprise
    -1.1%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.12
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 1 down

    FGBI Dividend

    Forward yield
    0.5%
    Payout ratio
    5.2%
    3Y DPS growth
    -60.3%
    5Y DPS growth
    -42.6%
    Pay months
    Mar, Jun, Sep, Dec
    FGBI dividend history

    Frequently Asked Questions About FGBI

    What is FGBI's current dividend yield?

    First Guaranty Bancshares, Inc. (FGBI) has a forward dividend yield of 0.49%.

    Does FGBI pay dividends?

    Yes, First Guaranty Bancshares, Inc. pays dividends with a forward dividend yield of 0.49%.

    What is FGBI's market cap?

    First Guaranty Bancshares, Inc. (FGBI) has a market capitalization of $131.49M with a current stock price of $8.16.

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