profit from every $100 of sales.
$0$100
First Guaranty Bancshares
$12.35-4.41% today
+101.1% in 1 year
1-year low $4.411-year high $13.07
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What First Guaranty Bancshares sold, what it kept, and what it did with the cash.
Sales went from $109 million in 2022 to $93.7 million in 2025, with -$56.0 million of profit last year.
SalesProfit
First Guaranty Bancshares vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| First Guaranty Bancshares | No profit yet | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads First Guaranty Bancshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 109 | 93 | 112 | 94 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 29 | 9 | 12 | -56 | |
| 2.48 | 0.62 | 0.81 | -4.17 | |
| – | – | – | – | |
| – | – | – | – | |
| 26.4% | 9.9% | 11.2% | -59.8% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,151 | 3,553 | 3,973 | 4,078 |
| Cash | 83 | 286 | 564 | 845 |
| Total debt | 177 | 269 | 195 | 179 |
| Total liabilities | 2,916 | 3,303 | 3,718 | 3,852 |
| 235 | 250 | 255 | 226 | |
| 11 | 11 | 13 | 14 | |
| – | – | – | – | |
| 12.3% | 3.7% | 4.9% | -24.8% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 37 | 22 | 34 | -8 | |
| 3 | 15 | 3 | 2 | |
| 34 | 7 | 31 | -10 | |
| Dividends paid | 9 | 10 | 7 | 3 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- –
- 30.9×
- –
- 0.7×
- 2.2×
- -27.3%
- 0.4%
Profitability
- -59.8%
- 2.8%
- 1.6%
- -20.2%
- -1.2%
Growth
- −5.0%
- –
- −41.5%
- +6.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 42%of 852
Bottom 4%of 733
Bottom 14%of 860
Bottom 11%of 920
What analysts expect
- Average price target
- $9.50
- Range
- $9.50 – $9.50
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 27, 2026 | 0.14 | 0.07 | +100.0% |
| Mar 31, 2026 | 0.13 | -0.29 | +144.8% |
| Nov 17, 2025 | -2.16 | -0.32 | −575.0% |
| Aug 18, 2025 | -0.61 | -0.20 | −205.0% |
| May 12, 2025 | -0.54 | 0.17 | −417.6% |
| Mar 17, 2025 | 0.08 | – | – |
| Oct 31, 2024 | 0.11 | 0.01 | +1,000.0% |
| Jul 23, 2024 | 0.53 | 0.20 | +165.0% |
0.4%of the share price, paid each year
On $1,000 invested$4a year at today's yield, before tax
−41.5%2020 to 2025
Raised–not every year
Paid per share, each year
$0.48 in 2015 → $0.04 in 2025
How safe it looks
-6.1% of its profit
Room to growStretchedMore than it earnsNews
Budget airlines are going upscale with first-class seats and faster wifiMarketWatch · Nov 13, 2026I am turning 18 next month and want to start investing. What do I do first?MarketWatch · Nov 13, 2026Trump administration is hiring debt collectors to go after defaulted student-loan borrowers for first time in 6 yearsMarketWatch · Nov 13, 2026Better U.S. Bank ETF: State Street's KBE vs. First Trust's FTXOYahoo Finance · Nov 13, 2026I’m 17 and will be a first-generation college student. Is law school worth being $200,000 in debt?MarketWatch · Nov 12, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
5No pass
Benjamin Graham
51No pass
Philip Fisher
18No pass
Peter Lynch
29No pass
Joel Greenblatt
0No pass
Charlie Munger
10No pass
Terry Smith
4No pass
Questions about First Guaranty Bancshares
Is First Guaranty Bancshares a good stock to buy?
A business with weak numbers that is not profitable yet. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the First Guaranty Bancshares AI analysis
What does First Guaranty Bancshares do?
First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It is in Banks - Regional.
Does First Guaranty Bancshares pay a dividend?
Yes. At today's price the dividend is 0.4% a year. In 2025 it paid out $2.89 million in dividends.
Is First Guaranty Bancshares stock halal?
No. First Guaranty Bancshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has First Guaranty Bancshares stock done over the past year?
Up 101.1% over the past twelve months, to $12.35. It traded between $4.41 and $13.07 and is 5.5% below its high.
Who are First Guaranty Bancshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with First Guaranty Bancshares's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.