Stocktoria
First Guaranty Bancshares, Inc. FGBI
First Guaranty Bancshares, Inc. (FGBI) earns a Piotroski F-score of 2/9 (weak financial health). It pays a dividend yielding 0.32% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 2/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FGBI | First Guaranty Bancshares, Inc. | 2/9 | — | — | — |
| NRIM | NORTHRIM BANCORP INC | 6/9 | — | 9.6 | +30.4% |
| EBC | Eastern Bankshares, Inc. | 3/9 | — | 57.9 | +19.1% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | 5/9 | — | 10.6 | +7.1% |
| AX | Axos Financial, Inc. | 5/9 | — | 12.6 | +1.8% |
| BKU | BankUnited, Inc. | 7/9 | — | 13.3 | +7.4% |
| CFFN | Capitol Federal Financial, Inc. | 5/9 | — | 15.8 | +6.5% |
All Finance, Insurance & Real Estate companies →
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.
FAQ
Is FGBI financially healthy?
First Guaranty Bancshares, Inc.'s Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak).
Does FGBI pay a dividend, and is it safe?
Yes. First Guaranty Bancshares, Inc. pays a dividend yielding about 0.32% with a -1.0% payout ratio, rated “safe” for safety.
How profitable is FGBI?
In FY2025, First Guaranty Bancshares, Inc. had a return on equity of -24.8%.
What is the analyst price target for FGBI?
The average Wall-Street price target for First Guaranty Bancshares, Inc. is $9.00, about 7.3% above the recent price, from 1 analysts.
Is FGBI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on First Guaranty Bancshares, Inc.: a Piotroski F-score of 2/9, a dividend yield of 0.32%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.