First Guaranty Bancshares, Inc.
FGBI Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 23, 2026
$8.94
KIRA · Stoqly’s AI analyst, in plain words
- First Guaranty Bancshares, Inc. had $95.4M of revenue in fiscal 2025, down 15.7% on the year before. Over five years, revenue changed −0.6% a year on average.
- First Guaranty Bancshares, Inc. lost $56.0M in fiscal 2025.
- First Guaranty Bancshares, Inc. returned $0.6M to shareholders in fiscal 2025.
- It earned −23.3% on shareholders’ money. Running costs took 86.2% of revenue (the efficiency ratio; lower is better).
Market cap
—
P/E
—
Revenue
$95.4M
Net income
−$56.0M
Return on equity
−23.3%
Efficiency ratio
86.2%
First Guaranty Bancshares, Inc. in 30 seconds · fiscal 2025
Are sales growing?
−15.7%
No. Sales fell 15.7% last year.
Does it make a profit?
−58.7%
No. It lost money last year.
How lean are its costs?
86.2%
Costly. Running costs take 86.2% of revenue.
How much does it earn on its capital?
−23.3%
Low. It earns −23.3% a year on shareholders’ money.
What First Guaranty Bancshares, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 31, 2026
- Legal name
- First Guaranty Bancshares, Inc.
- CIK
- 0001408534
First Guaranty Bancshares, Inc. · FGBI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $100M | $111M | $95.3M | $113M | $95.4M |
| Revenue growth | 2.0% | 10.6% | −14.2% | 18.8% | −15.7% |
| Net interest income | $89.6M | $100M | $84.7M | $88.4M | $86.9M |
| Operating margin | — | — | — | — | −48.4% |
| Net income | $27.3M | $28.9M | $9.2M | $12.4M | −$56.0M |
| Net margin | 27.2% | 26.0% | 9.7% | 11.0% | −58.7% |
| Cash | |||||
| Cash from operations | $26.5M | $36.9M | $21.7M | $33.7M | −$8.3M |
| Capital expenditure | $2.2M | $2.6M | $14.9M | $3.0M | $1.7M |
| Free cash flow | $24.3M | $34.2M | $6.9M | $30.7M | −$10.0M |
| FCF margin | 24.2% | 30.8% | 7.2% | 27.1% | −10.5% |
| Dividends paid | $6.4M | $6.9M | $7.4M | $5.1M | $0.6M |
| Debt and strength | |||||
| Cash and short-term investments | $262M | $83.2M | $286M | $564M | $846M |
| Debt incl. finance leases | $49.6M | $183M | $275M | $202M | $186M |
| Loans, net | — | $2.5B | $2.7B | $2.7B | $2.0B |
| Deposits | $2.6B | $2.7B | $3.0B | $3.5B | $3.6B |
| Shareholders' equity | $224M | $235M | $250M | $255M | $226M |
| Returns and quality | |||||
| Return on equity | 13.6% | 12.6% | 3.8% | 4.9% | −23.3% |
| Return on tangible equity | 12.6% | 12.2% | 3.0% | 4.2% | −26.1% |
| Efficiency ratio | 63.6% | 63.9% | 83.6% | 68.2% | 86.2% |
Insiders bought, 12 months
$8.6M
4 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First Guaranty Bancshares, Inc. · FGBI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $8.94 a share, the company is worth —.
Source: SEC EDGAR XBRL filings (CIK 0001408534). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.