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First Guaranty Bancshares logo
First Guaranty Bancshares FGBI
$ 8.22 0.74%
report update icon

Quarterly report 2026-Q1
added 05-13-2026

First Guaranty Bancshares Financial Ratios 2025-2008 | FGBI

Brief overview of First Guaranty Bancshares's valuation and returns

The review covers five available annual periods spanning 2021 to 2025.

The valuation comparison uses P/E 46.35x (median 46.35x), P/B 0.5x (median 0.5x), P/CF 3.01x (median 5.53x). Ratios sit near their own comparison base, with an average deviation of 0% from five-year medians.

Earnings yield calculated as 1/P/E is about 2.2%, showing current profit per unit of share price.

The latest available business-quality ratios are ROE 1.1%, ROA 0.1%, ROCE -20.4%. Losses and negative capital returns make ordinary P/E-like references unstable or inapplicable.

PEG of 0.18x shows valuation is not outpacing embedded growth. The conclusion depends on earnings durability.

Financial-company multiples cannot be compared directly with industrial businesses; P/B and sustainable capital returns remain central.

Valuation takeaway

First Guaranty Bancshares trades near its familiar ratio range. A new earnings or profitability trend is needed to change the view.

Annual Financial Ratios First Guaranty Bancshares

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008

P/E

46.4 100.5 92.2 35.0 8.0 7.7 13.2 13.5 19.2 12.7 7.8 10.6 10.6 7.7 - - - -

P/S

- - - - - 1.6 2.7 3.1 3.7 3.1 2.0 2.4 2.1 1.8 - - - -

EPS

-4.2 0.8 0.6 2.5 2.4 1.9 1.3 1.5 1.2 1.7 1.8 1.6 1.2 1.6 1.0 1.4 1.1 -

EV (Enterprise Value)

3.12 B 3.25 B 3.14 B 3.01 B 2.61 B 2.15 B 2.07 B 1.73 B 1.79 B 1.55 B 1.45 B 1.5 B 1.41 B 1.37 B 1.23 B 1.03 B - -

EBITDA per Share

-3 0.35 0.36 0.38 0.45 2.69 - - - - - - - - - 0.24 0.23 -

EV/EBITDA

-74.4 734.4 779.1 733.1 545.9 -1.2 - - - - - - - - - 706.4 - -

PEG

-0.22 - - - - 0.18 30.28 0.77 -1.04 -1.59 0.27 0.38 -0.65 0.1 - - - -

P/B

0.5 0.4 0.5 0.8 1.0 0.9 1.1 1.3 1.6 1.4 1.0 0.9 0.8 0.7 - - - -

P/CF

-13.7 3.0 5.5 4.9 8.3 8.9 10.9 8.3 41.3 9.9 8.8 7.9 6.3 6.1 - - - -

ROE %

1.08 0.40 0.52 2.18 12.19 11.38 8.58 9.65 8.16 11.33 12.27 8.04 7.41 8.99 - 10.24 8.00 -

ROA %

0.06 0.03 0.04 0.16 0.95 0.82 0.67 0.78 0.67 0.94 0.99 0.74 0.64 0.86 - 0.88 - -

ROCE %

-20.42 - - - - - - - - - - - - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 - 0.0 0.3 0.3 0.4 0.5 0.5 0.5 0.6 - 1.1 - -

DSO

- - - - - 44.8 44.7 40.1 48.3 45.2 38.9 46.4 48.4 45.9 - - - -

All numbers in USD currency

Quarterly Financial Ratios First Guaranty Bancshares

2026-Q1 2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

0.14 -3.01 -0.61 -0.54 - 0.11 0.53 0.14 - 0.1 0.19 0.27 - 0.7 0.7 0.65 - 0.67 0.58 0.47 - 0.53 0.53 0.39 - 0.4 0.33 0.65 - 0.39 0.52 0.41 - 0.35 0.35 0.39 - 0.44 0.58 0.41 - 0.55 0.54 0.48 - 0.45 0.41 0.43 - 0.34 0.31 0.29 - 0.4 0.39 0.41 - 0.22 0.34 0.34

EBITDA per Share

0.06 - - 0.09 - - - 0.08 - - - 0.09 - 0.28 0.18 0.06 - 0.32 0.21 0.11 - 0.26 0.18 0.09 - 0.23 - 0.16 - 0.26 0.16 0.08 - 0.2 0.13 0.07 - 0.21 - 0.07 - 0.22 0.15 0.08 - 0.26 0.17 0.09 - 0.25 0.17 0.08 - 0.25 0.16 0.08 - 0.2 0.12 0.06

ROE %

-24.36 -24.83 -1.65 2.04 4.50 5.24 5.61 4.30 3.38 6.86 9.70 12.00 10.49 14.04 13.56 12.83 9.41 12.31 11.66 10.80 7.95 10.26 9.38 10.30 8.16 10.46 11.27 11.69 7.87 10.00 9.73 8.87 6.42 9.14 10.55 11.07 8.81 12.10 12.65 11.98 9.42 11.55 10.18 8.91 6.04 7.87 7.47 7.25 5.25 7.51 7.89 8.44 6.74 8.45 8.08 7.77 5.49 1.71 1.89 1.89

ROA %

-1.46 -1.48 -0.10 0.15 0.31 0.37 0.40 0.31 0.24 0.50 0.72 0.90 0.80 1.07 1.05 0.97 0.71 0.92 0.85 0.77 0.57 0.76 0.72 0.81 0.65 0.84 0.91 0.94 0.64 0.81 0.79 0.73 0.53 0.75 0.87 0.92 0.73 1.00 1.04 0.98 0.76 0.96 0.87 0.79 0.55 0.71 0.66 0.63 0.45 0.67 0.72 0.79 0.64 0.80 0.76 0.73 0.51 0.16 0.18 0.18

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1

All numbers in USD currency

Multiples are an important financial analysis tool for the company First Guaranty Bancshares, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

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