First Guaranty Bancshares vs Usio
FGBI and USIO side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FGBI and USIO compare
First Guaranty Bancshares is the larger company, worth 3.5 times as much as Usio ($204M against $58.0M).
Usio grew revenue faster over the last twelve months (13.7% versus −7.5% for First Guaranty Bancshares).
Usio keeps more of each dollar of sales as profit, with a net margin of −0.92% compared with −38.9% at First Guaranty Bancshares.
First Guaranty Bancshares pays a dividend yielding 0.32%; Usio does not pay one.
First Guaranty Bancshares scores higher on the StockData Score (6 against 5 for Usio), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FGBI | USIO |
|---|---|---|
| Size and price | ||
| Market cap | $204M | $58.0M |
| Share price | $12.35 | $2.04 |
| Change, 1 year | 97.9% | 42.3% |
| Change, 5 years | −40.5% | −72.2% |
| Beta (5Y) | 0.39 | 0.42 |
| Employees | 15K | 107 |
| StockData Score | ||
| Total score | 6 (better) | 5 |
| Valuation score | 2 (better) | 0 |
| Growth score | 0 | 1 (better) |
| Performance score | 0 | 1 (better) |
| Health score | 2 | 3 (better) |
| Dividend score | 2 (better) | 0 |
| Valuation | ||
| P/S | 2.2× | 0.6× (better) |
| P/B | 0.9× (better) | 3.0× |
| EV/EBITDA | – | 51.0× |
| P/FCF | 5.3× (better) | 46.6× |
| FCF yield | 18.8% (better) | 2.1% |
| Fair value | – | $1.09 |
| Margin of safety | – | −87.3% |
| Growth | ||
| Revenue growth (TTM) | −7.5% | 13.7% (better) |
| Revenue growth, 5Y average | −0.62% | 21.5% (better) |
| Profitability | ||
| Gross margin | – | 22.6% |
| Operating margin | – | −0.40% |
| Net margin | −38.9% | −0.92% (better) |
| FCF margin | 41.2% (better) | 1.3% |
| Return on equity | −14.8% | −4.6% (better) |
| Return on invested capital | – | −2.3% |
| Financial health | ||
| Debt / equity | – | 0.08 |
| Net debt / EBITDA | – | −5.72 |
| Interest coverage | – | −4.4× |
| Current ratio | – | 1.10 |
| Altman Z-score | 0.06 | 0.41 (better) |
| Piotroski F-score | 2 | 3 (better) |
| Dividends and buybacks | ||
| Dividend yield | 0.32% | – |
| Years of dividend growth | 0 | – |
| Dividend growth, 5Y average | −41.4% | – |
| Buyback yield | −3.7% | 1.2% (better) |
| Shareholder yield | −3.3% | 1.2% (better) |
| Ownership | ||
| Held by institutions | 8.5% | 21.9% |
| Held by insiders | 63.1% | – |
| Insider net buying, 12 months | $8.6M (better) | −$148K |
Go deeper
- FGBI stock overview
- FGBI income statement
- FGBI valuation and score
- USIO stock overview
- USIO income statement
- USIO valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.