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

MoatMap's StockRank for First Guaranty Bancshares, Inc. (FGBI) is 16/100, with a Strong Sell signal. This is a composite score combining Quality (18), Value (42), and Momentum (37) factor ranks across MoatMap's universe of 25,000+ stocks.

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

First Guaranty Bancshares, Inc. (FGBI) has a Quality factor score of 18/100. 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 Strong Sell, based on a StockRank of 16/100. 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

Strong SellSinker

First Guaranty Bancshares, Inc. · Financial Services · United States · $144M · Avg Vol: $150K/d

StockRank

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P/E (TTM)

—

ROE

-14.8%

D/E

0.8x

Dividend %

0.5%

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%	37.7M
EPS	2.48	0.62	0.81	-4.17	-42.8%	-2.71
Shares	10.7M	12.5M	12.5M	15.8M	+47.4%	16.5M
Debt	176.9M	269.1M	194.9M	179.0M	0.4%	186.4M
Equity	235.0M	249.6M	255.0M	226.2M	-1.3%	—
Op CF	36.9M	21.7M	33.7M	-8.3M	-4.3%	54.5M
Inv CF	-467.9M	-206.1M	-142.1M	129.9M	—	—
Fin CF	252.3M	387.6M	386.1M	159.9M	—	—

Loading 1Y...

PRICE (1Y)-14.0%

SMA 50SMA 200

$8.22

RSI (14)

37.2

52W High

$11.00

From 52W High

0.7%

SCORE BREAKDOWN

Quality

ROIC (ROA)

-0.9%*9.2

ROE

-14.8%4.5

GP/Assets

0.9%N/A

Op. Margin

20.2%36.5

FCF/Assets

0.9%N/A

Piotroski

29.0

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

4.1xN/A

P/B

0.7x83.7

P/S

3.7x48.6

Div Yield

0.5%4.3

Momentum

52W High %

75%21.2

RS 6M

-14%21.5

SMA 50/200

1.07x64.6

EPS Rev 4W

0.0%27.7

EPS Rev 12W

0.0%38.4

EPS Improve

+124%86.9

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$144M

P/E (Forward)

13.1x

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)	$144M	16	Strong Sell
HYNE	Hoyne Bancorp, Inc.	$134M	17	Strong Sell
BCBP	BCB Bancorp, Inc.	$156M	21	Sell
FINW	FinWise Bancorp	$209M	16	Strong Sell
SSBI	Summit State Bank	$87M	16	Strong Sell
BAFN	BayFirst Financial Corp.	$178M	24	Sell
FNWB	First Northwest Bancorp	$108M	23	Sell
SRBK	SR Bancorp, Inc.	$142M	31	Sell
WSBK	Winchester Bancorp, Inc.	$116M	28	Sell
PNBK	Patriot National Bancorp, Inc.	$122M	2	Strong Sell

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

First Guaranty Bancshares, Inc. (FGBI) has a MoatMap StockRank of 16/100 based on Quality (18/100), Value (42/100), and Momentum (37/100) factor scores. The current signal is STRONG SELL.

Key Financial Metrics

Price	$8.22
Market Cap	$144M
P/E (Forward)	13.14
Price/Book	0.73
Return on Equity	-14.8%
Debt/Equity	0.79x
Operating Margin	20.2%
Revenue Growth	176.8%
Dividend Yield	0.5%
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 16/100, with a Strong Sell signal. It is a composite of Quality (18), Value (42), and Momentum (37) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does First Guaranty Bancshares, Inc. have an economic moat?: First Guaranty Bancshares, Inc. (FGBI) has a Quality factor score of 18/100. 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 Strong Sell, based on a StockRank of 16/100. 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).