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    F

    First Guaranty Bancshares, Inc. (FGBIP)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $17.01
    -0.09 (-0.53%)

    Last updated: Oct 15, 2026 at 5:00 PM ET

    Earnings

    PeriodReportedEst.SurpriseB/MYoY
    Mar 26
    Reported May 13
    		$N/AN/AN/ABeat-
    Dec 25
    Reported Feb 3
    		$N/AN/AN/ABeat-
    Sep 25
    Reported Oct 31
    		$-3.01$0.00N/AMiss-
    Jun 25
    Reported Aug 18
    		$-0.61$0.00N/AMiss-

    Dividends

    Dividend Metrics

    Forward Yield9.92%
    Forward Annual Dividend$1.69
    Payout Ratio221.34%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+0.00%
    FGBIP dividend history and ex-dividend datesRun FGBIP in the free DRIP calculator

    Key Metrics

    Valuation
    P/E RatioN/AEV/EBITDAN/A
    Price/FCF5.26xFCF Yield19.02%
    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 Volume6.76K
    52-Week High$20.6052-Week Low$13.49

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$17.05
    SMA 20$17.32
    SMA 50$18.17
    SMA 200$18.06
    EMA 10$17.10
    EMA 20$17.32
    EMA 50$17.93
    EMA 200$18.05

    MACD

    Line: -0.33Signal: -0.37Hist: 0.04

    ADX

    ADX: 42.5+DI: 28.9-DI: 35.0

    Aroon & PSAR

    Aroon Up36.0
    Aroon Down80.0
    PSAR$16.83

    Bollinger Bands

    Upper Band$18.07
    Lower Band$16.57
    %B Position864%(Upper)
    Band Width0.29

    RSI (14-Day)

    Neutral
    30.2

    Momentum Oscillators

    Stoch %K27.0
    Stoch %D22.0
    Williams %R-70.8
    ROC (10d)-1.3%
    Momentum-0.22
    CCI (20d)-64.7
    MFI (14d)21.2

    Volatility Measures

    ATR (14d)$0.20(1.2%)
    StdDev (20d)0.37
    Hist Vol13.2%(Low)

    Volume Flow

    VWAP$17.06
    OBV-135.1K
    AD Line-147072929833.4B
    CMF (20d)-0.415

    Volume Metrics

    Avg Vol (20d)7.1K
    Vol Ratio0.4x(Low)
    VWMA (20d)$17.20

    Pivot Points

    R3$17.82
    R2$17.65
    R1$17.37
    Pivot Point$17.20
    S1$16.92
    S2$16.75
    S3$16.47

    Advanced Oscillators

    TSI-45.46
    Ultimate Osc30.2
    KST-66.48

    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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    FGBIP Valuation and Fair Value

    P/FCF
    5.3x
    P/B
    1.2x
    See GNG's fair value

    FGBIP 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
    19.0%

    FGBIP Competitors

    CompanyTicker
    Bold Eagle Acquisition Corp. UnitsBEAGU
    Hawthorn Bancshares IncHWBK
    First United CorporationFUNC
    BRC Group Holdings, Inc.RILYP
    Oak Valley BancorpOVLY
    Virginia National Bankshares CorpVABK
    Franklin Financial Services CorpFRAF
    National Bankshares IncNKSH

    Sector: Financial Services

    FGBIP Bull Case vs Bear Case

    Bull case

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

    Bear case

    • FGBIP has a -96.5% net profit margin.

    FGBIP Dividend

    Forward yield
    9.9%
    Payout ratio
    221.3%
    3Y DPS growth
    0.0%
    Pay months
    Mar, Jun, Sep, Dec
    FGBIP dividend history

    Frequently Asked Questions About FGBIP

    What is FGBIP's current dividend yield?

    First Guaranty Bancshares, Inc. (FGBIP) has a forward dividend yield of 9.92%.

    Does FGBIP pay dividends?

    Yes, First Guaranty Bancshares, Inc. pays dividends with a forward dividend yield of 9.92%.

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