First Guaranty Bancshares

FGBI

Banks - Regional · Financial Services

Price

$8.77

-0.33 (-3.63%)

Market Cap

$145.0M

Exchange

NASDAQ

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Bank Quality

Weak

Growth

Weak

Capital Strength

Exceptional

Asset Quality

Mixed

Valuation

Data not available

Dividends

Weak

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Share count rising — dilution

+30.5% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 10.7M (2021) → 14.0M (2025)

Winston Score History

The full picture

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, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-48.9% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+127.9% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

74.8%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$5.0B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

First Guaranty Bancshares's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money

Return on Equity

5.1%

no trend

Weak — 5.1% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending

Net Interest Margin

2.25%

no trend

Thin — 2.25% net interest margin

Cost of running the bank

Efficiency Ratio

69.5%

no trend

Bloated cost base — 69.5% efficiency ratio

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Growth

Sales growth

Sales YoY

-19.1%

Shrinking sales (-19.1% YoY)

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Capital Strength

Safety cushion

Capital Ratio

13.5%

no trend

Fortress balance sheet — 13.5% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid

Non-Performing Loans

2.84%

no trend

Elevated — 2.84% non-performing loans

Over 2% of loans are troubled. That is elevated and can eat into profits.

Loans written off

Net Charge-Offs

0.98%

no trend

Rising losses — 0.98% net charge-offs

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

0.46%

Small dividend — 0.46% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

-63.6%

Dividend cut (-63.6% YoY) — warning sign

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