First Guaranty Bancshares, Inc. (FGBI)
Financial Services · NGM
Fundamentals
Valuation and ratings
First Guaranty Bancshares, Inc. trades at USD9.29, which is 28% below the USD11.91 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 11 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
FGBI dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.020 | 2 |
| 2025 | USD0.040 | 4 |
| 2024 | USD0.410 | 4 |
| 2023 | USD0.640 | 4 |
| 2022 | USD0.640 | 4 |
| 2021 | USD0.596 | 4 |
| 2020 | USD0.582 | 4 |
| 2019 | USD0.542 | 4 |
| 2018 | USD0.529 | 4 |
| 2017 | USD0.493 | 4 |
| 2016 | USD0.481 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
FGBI earnings and analyst estimates
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About First Guaranty Bancshares, Inc.
First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It offers various deposit products, such as personal and business checking, savings, money market, and demand deposits accounts, as well as time deposits to consumers, small businesses, and municipalities. The company provides loans, such as non-farm, non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, multifamily loans, construction and land development loans, agricultural loans, farmland loans, and consumer and other loans to small to medium-sized businesses and professionals, and individuals. In addition, it offers a range of consumer services, including credit cards, mobile deposit capture, safe deposit boxes, official checks, online and mobile banking, automated teller machines, and online bill pay; provides additional solutions, such as merchant services, remote deposit capture, and lockbox services to business customers; and invests a portion of its assets in securities issued by the United States Government and its agencies, state and municipal obligations, corporate debt securities, mutual funds, and equity securities, as well as invests in mortgage-backed securities primarily issued or guaranteed by United States Government agencies or enterprises. The company was founded in 1934 and is headquartered in Hammond, Louisiana.
FGBI passes 2 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is First Guaranty Bancshares, Inc. (FGBI) undervalued?
Against our discounted cash flow estimate of USD11.91, FGBI at USD9.29 is 28% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
Does First Guaranty Bancshares, Inc. (FGBI) pay a dividend?
Yes. First Guaranty Bancshares, Inc. yields 0.40% at the current share price. It has paid USD0.040 per share over the trailing twelve months. It has paid a dividend in each of the last 14 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.