What is First Guaranty Bancshares, Inc.'s (FGBI) StockRank?

MoatMap's StockRank for First Guaranty Bancshares, Inc. (FGBI) is 25/100, with a Sell signal. This is a composite score combining Quality (17), Value (37), and Momentum (59) factor ranks across MoatMap's 20,000+ stock universe.

Does First Guaranty Bancshares, Inc. have an economic moat?

First Guaranty Bancshares, Inc. (FGBI) has a Quality factor score of 17/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is First Guaranty Bancshares, Inc. a buy, hold, or sell?

MoatMap's current signal for First Guaranty Bancshares, Inc. (FGBI) is Sell, based on a StockRank of 25/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is First Guaranty Bancshares, Inc. in?

First Guaranty Bancshares, Inc. (FGBI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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FGBI

SELL

First Guaranty Bancshares, Inc. · Financial Services · United States · $153M · Avg Vol: $569K/d

StockRank

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P/E (TTM)

—

ROE

-19.8%

D/E

0.8x

Dividend %

0.4%

COMPANY DESCRIPTION

First Guaranty Bancshares, Inc. is the holding company for First Guaranty Bank, offering commercial and retail banking services across Louisiana and Texas. The bank's competitive advantage is rooted in its deep community relationships and localized lending expertise, particularly in commercial real estate and agricultural sectors. It operates as a conservative, relationship-driven regional bank focused on steady asset growth and stable net interest margins.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	109.3M	93.5M	111.5M	93.7M	-5.0%	23.9M
EPS	2.48	0.62	0.81	-4.17	-42.8%	-3.25
Shares	10.7M	12.5M	12.5M	15.8M	+47.4%	16.5M
Debt	176.9M	269.1M	194.9M	179.0M	0.4%	197.1M
Equity	235.0M	249.6M	255.0M	226.2M	-1.3%	—
Op CF	36.9M	21.7M	33.7M	-8.3M	-4.3%	36.9M
Inv CF	-467.9M	-206.1M	-142.1M	129.9M	—	—
Fin CF	252.3M	387.6M	386.1M	159.9M	—	—

Loading 1Y...

PRICE (1Y)-12.4%

SMA 50SMA 200

$9.29

RSI (14)

32.7

52W High

$11.00

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC (ROA)

-1.2%*7.9

ROE

-19.8%3.6

GP/Assets

0.6%N/A

Op. Margin

17.5%36.5

FCF/Assets

0.9%N/A

Piotroski

28.5

Int. Cover

—50.0

D/E Ratio

0.79xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

—N/A

EV/EBITDA

bankN/A

P/FCF

4.3xN/A

P/B

0.8x81.3

P/S

6.4x28.4

Div Yield

0.4%2.1

Momentum

52W High %

84%29.7

RS 6M

4%67.6

SMA 50/200

1.19x93.2

EPS Rev 4W

0.0%69.8

EPS Rev 12W

—N/A

EPS Improve

+120%84.7

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$153M

P/E (Forward)

14.3x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FGBI are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
FGBI	First Guaranty Bancshares, Inc.(you)	$153M	25	SELL
HYNE	Hoyne Bancorp, Inc.	$124M	18	STRONG SELL
FINW	FinWise Bancorp	$209M	31	SELL
RVSB	Riverview Bancorp, Inc.	$107M	32	SELL
BRBS	Blue Ridge Bankshares, Inc.	$311M	24	SELL
INBK	First Internet Bancorp	$231M	33	SELL
FNWB	First Northwest Bancorp	$114M	37	HOLD
ISBA	Isabella Bank Corporation	$265M	33	SELL
BSBK	Bogota Financial Corp.	$116M	39	HOLD
AFBI	Affinity Bancshares, Inc.	$140M	43	HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

First Guaranty Bancshares, Inc. (FGBI) — Stock Score Summary

First Guaranty Bancshares, Inc. (FGBI) has a MoatMap StockRank of 25/100 based on Quality (17/100), Value (37/100), and Momentum (59/100) factor scores. The current signal is SELL.

Key Financial Metrics

Price	$9.29
Market Cap	$153M
P/E (Forward)	14.32
Price/Book	0.78
Return on Equity	-19.8%
Debt/Equity	0.79x
Operating Margin	17.5%
Revenue Growth	102.1%
Dividend Yield	0.4%
Free Cash Flow	$35M

First Guaranty Bancshares, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is First Guaranty Bancshares, Inc.’s (FGBI) StockRank?: MoatMap’s StockRank for First Guaranty Bancshares, Inc. (FGBI) is 25/100, with a Sell signal. It is a composite of Quality (17), Value (37), and Momentum (59) factor ranks across MoatMap’s 20,000+ stock universe.
Does First Guaranty Bancshares, Inc. have an economic moat?: First Guaranty Bancshares, Inc. (FGBI) has a Quality factor score of 17/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is First Guaranty Bancshares, Inc. a buy, hold, or sell?: MoatMap’s current signal for First Guaranty Bancshares, Inc. (FGBI) is Sell, based on a StockRank of 25/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is First Guaranty Bancshares, Inc. in?: First Guaranty Bancshares, Inc. (FGBI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).