FGBINasdaqSavings Institution, Federally CharteredFiscal year ends December 31Also trades as FGBIP
First Guaranty Bancshares, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 14, 2026
$8.21−0.01 (-0.12%)
Close on Oct 19, 2026
- Market cap
- $134.04M
- P/E (TTM)
- –
- Dividend yield
- 0.49%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
-58.7%−79.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -15.7% | -4.9% | -0.6% | +5.4% | |
| Dividend per share | -90.2% | -60.3% | -41.4% | -22.9% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 11.6% | 11.8% | -23.3% | |
| Return on assets | 1.0% | 0.9% | -1.4% | |
| Capex to revenue | 7.1% | 6.4% | 1.8% | |
| Diluted shares | 8M | 11M | 14M |
Where the cash went
Fiscal 2021 to 2025, five years combined
First Guaranty Bancshares generated $127.11M from operations and spent $50.75M on capital expenditure, dividends and share buybacks. 48% of that went back into the business.
Generated
$127.11M
Used
$50.75M
Capital expenditure$24.44M48%Dividends$26.31M52%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin-58.7%
×Asset turnover0.02×
×Equity multiplier16.73×
=Return on equity, FY2025-23.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | -58.7% | 0.02× | 16.73× | -23.3% |
| FY2024 | 11.0% | 0.03× | 14.91× | 4.9% |
| FY2023 | 9.7% | 0.03× | 13.83× | 3.8% |
| FY2022 | 26.0% | 0.04× | 13.14× | 12.6% |
| FY2021 | 27.2% | 0.04× | 13.30× | 13.6% |
| FY2020 | 20.6% | 0.04× | 13.32× | 11.8% |
| FY2019 | 20.4% | 0.04× | 12.56× | 9.1% |
| FY2018 | 22.8% | 0.03× | 12.25× | 9.8% |
| FY2017 | 19.1% | 0.04× | 12.12× | 8.8% |
| FY2016 | 24.4% | 0.04× | 12.21× | 11.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
1of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero-$56.02M
- Cash generatingOperating cash flow above zero-$8.28M
- Return on assets improvedROA up on the prior year0.4% → -1.4%
- Earnings backed by cashOperating cash flow above net income-$8.28M vs -$56.02M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise13M → 14M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.02