US · FGBI
First Guaranty Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Hammond, LA 70401
- Website
- fgb.net
Price · as of 2025-12-31
$9.25
Market cap 139.14M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $77.48 | +737.62% |
| Intrinsic Value(DCF) | $4.06 | -56.11% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $44.06 | +376.36% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $8.33 | $11.92 | |||
| 2012 | $6.28 | $44.98 | $69.46 | $11.11 | $14.90 |
| 2013 | $7.11 | $36.00 | $56.42 | $10.43 | $0.00 |
| 2014 | $9.25 | $45.33 | $58.43 | $13.83 | $9.91 |
| 2015 | $8.63 | $48.41 | $62.31 | $12.78 | $27.20 |
| 2016 | $13.12 | $42.06 | $54.95 | $11.82 | $17.44 |
| 2017 | $16.09 | $71.89 | $62.50 | $11.63 | $21.69 |
| 2018 | $13.78 | $34.78 | $34.66 | $12.23 | $24.11 |
| 2019 | $12.44 | $39.46 | $35.98 | $12.87 | $36.15 |
| 2020 | $15.28 | $42.53 | $80.26 | $16.22 | $60.40 |
| 2021 | $18.97 | $26.41 | $22.85 | $21.54 | $16.32 |
| 2022 | $14.97 | $29.98 | $21.30 | $21.34 | $75.02 |
| 2023 | $10.72 | $28.69 | $23.11 | $12.30 | $31.67 |
| 2024 | $7.38 | $20.62 | $131.76 | $15.40 | $34.38 |
| 2025 | $8.63 | $77.48 | $1.19 | $0.00 | $44.06 |
AI valuation
Our deep-learning model estimates First Guaranty Bancshares, Inc.'s (FGBI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $77.48
- Current price
- $9.25
- AI upside
- +737.62%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$4.06
-56.11% upside
Graham-Dodd
—
— upside
Graham Formula
$44.06
+376.36% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FGBI | First Guaranty Bancshares… | $9.25 | 139.14M | +738% | -56% | — | +376% | -2.15 | 0.53 | 0.62 | -4.17 | — | 0.54 | -6.18% | -34.99% | -28.59% | -23.28% | -3719.92% | -1.39% | 0.82 | -0.54 | 0.01 | 0.01 | -2.41 | -61481.00% | -1995.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -4.17 | — | 1.46 | -0.45 |
| CFSB | CFSB Bancorp, Inc. | $14.25 | 93.32M | +3,644% | +16% | -17% | — | -335.35 | 1.17 | 6.79 | — | — | 1.17 | 0.00% | 0.00% | -2.02% | -0.35% | 0.00% | -0.07% | 0.00 | 0.00 | — | — | — | -50000.00% | 505.00% | -24084.00% | -0.53% | — | -0.84% | 0.00% | 0.00% | 0.00% | — | -136.89 | 4.90 | 0.50 |
| FNWB | First Northwest Bancorp | $9.27 | 82.98M | +1,628% | -14% | +54% | — | -21.37 | 0.57 | 0.84 | -27.97 | — | 0.58 | 47.27% | -5.47% | -3.91% | -2.69% | -2.73% | -0.19% | 2.17 | -0.12 | 2.26 | 2.26 | -62.90 | -3600.00% | -841.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -24.68 | — | 1.35 | 0.74 |
| IROQ | IF Bancorp, Inc. | $27.75 | 93M | +122% | +3% | -8% | -32% | 19.19 | 1.01 | 1.71 | 23.03 | 13.67 | 1.03 | 54.72% | 12.23% | 8.90% | 5.53% | 8.66% | 0.48% | 0.89 | 0.26 | 0.00 | 0.01 | 8.08 | 14035.00% | 661.00% | 22019.00% | 7.89% | 0.01 | 13.11% | 1.56% | 29.90% | 17.75% | 25.44 | 23.09 | 3.11 | -0.76 |
| LSBK | Lake Shore Bancorp, Inc. | $15.48 | 121.14M | +713% | -17% | -17% | -47% | 17.74 | 0.97 | 2.30 | 1.23 | 270.53 | 0.98 | 67.82% | 15.39% | 12.94% | 5.60% | 55.27% | 0.70% | 0.11 | 0.43 | 0.16 | 0.16 | -3.46 | 656.00% | 472.00% | -5686.00% | 2.87% | 0.00 | 28.11% | 1.24% | 21.90% | 6.29% | 1.38 | 3.23 | 0.21 | -0.50 |
| MGYR | Magyar Bancorp, Inc. | $17.52 | 113.49M | +149% | +23% | +28% | +75% | 10.76 | 0.88 | 1.80 | 8.89 | 40.12 | 0.89 | 60.27% | 23.64% | 16.71% | 8.51% | 8.04% | 1.00% | 0.41 | 0.61 | 0.03 | 0.04 | 2.85 | 2683.00% | 1208.00% | 7826.00% | 9.34% | 0.01 | 8.08% | 1.74% | 18.70% | 2.54% | 9.50 | 13.36 | 2.24 | -0.68 |
| PBHC | Pathfinder Bancorp, Inc. | $13.13 | 81.22M | +229% | +33% | +22% | -0% | 29.73 | 0.83 | 1.20 | -9.82 | — | 0.91 | 42.09% | 6.18% | 4.05% | 2.81% | -50.14% | 0.23% | 1.12 | 0.14 | 0.24 | 0.24 | 16.15 | -7219.00% | 1624.00% | -7864.00% | 2.86% | 0.01 | -29.87% | 2.36% | 70.30% | 59.96% | -12.37 | -22.19 | -0.76 | -0.59 |
| PROV | Provident Financial Holdi… | $16.00 | 102M | +124% | +4% | -4% | -38% | 16.35 | 0.80 | 1.70 | 21.21 | — | 0.80 | 65.94% | 14.75% | 10.40% | 4.84% | 2.07% | 0.50% | 1.66 | 0.42 | 0.06 | 0.06 | 12.94 | -1226.00% | 253.00% | 9910.00% | 7.97% | 0.01 | 2.70% | 3.68% | 60.20% | 34.57% | 29.55 | 32.15 | 4.36 | -0.44 |
| UNB | Union Bankshares, Inc. | $23.25 | 106.54M | +22% | -17% | -87% | +94% | 14.43 | 1.90 | 1.62 | 19.90 | — | 1.95 | 60.84% | 11.71% | 11.24% | 13.25% | 98.59% | 0.58% | 4.15 | 0.31 | 0.16 | 0.16 | 24.37 | -2258.00% | 1586.00% | 5293.00% | 8.77% | 0.01 | 124.68% | 5.10% | 73.60% | 5.10% | 23.38 | 19.26 | 2.74 | -0.56 |
| WSBK | Winchester Bancorp, Inc. … | $13.10 | 117.39M | +388% | -22% | -8% | — | -101.05 | 0.77 | 1.98 | -226.66 | — | 0.77 | 38.76% | -3.44% | -1.96% | -0.89% | -0.55% | -0.10% | 1.27 | -0.06 | 0.09 | 0.12 | -134.34 | -22019.00% | 2251.00% | -30083.00% | 2.47% | 0.00 | 1.38% | 0.00% | 0.00% | 3.79% | -101.18 | 70.98 | 3.48 | -0.56 |
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, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities. The company also 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 operates through 36 banking facilities primarily located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, Alexandria, Dallas-Fort Worth-Arlington, Waco, Kentucky, and West Virginia. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.
- CEO
- Michael Ray Mineer
- Employees
- 380
- Beta
- 0.32
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($4.06 ÷ $9.25) − 1 = -56.11% (DCF, example).