First Guaranty Bancshares, Inc. - Understand $fgbi stock

$FGBI Market Cap: $184.3 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$164.0M

TTM

Gross Margin

Net Earnings

$11.00M

TTM

Current Assets

Current Liabilities

$24.73M

Q3 2024

Current Ratio

Total Assets

$3.924B

Q3 2024

Total Liabilities

$3.668B

Q3 2024

Book Value

$256.4M

Q3 2024

Cash

$367.6M

Q3 2024

P/E

16.76

Nov 29, 2024 EST

Free Cash Flow

$18.26M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Revenue	$183.0M	$136.6M	$111.9M	$100.7M	$91.64M	$78.39M	$67.55M	$58.53M
YoY Change	34.0%	22.03%	11.16%	9.87%	16.91%	16.05%	15.4%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Revenue	$183.0M	$136.6M	$111.9M	$100.7M	$91.64M	$78.39M	$67.55M	$58.53M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$3.000M	$3.100M	$3.400M	$2.800M	$2.300M	$2.100M	$1.800M	$1.700M	$2.000M	$2.140M	$2.110M	$2.100M	$1.720M	$1.470M	$1.410M	$1.450M	$1.240M	$1.440M
YoY Change	-3.23%	-8.82%	21.43%	21.74%	9.52%	16.67%	5.88%	-15.0%	-6.54%	1.42%	0.48%	22.09%	17.01%	4.26%	-2.76%	16.94%	-13.89%	2.13%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Interest Expense	$98.30M	$36.53M	$22.30M	$26.02M	$29.97M	$21.37M	$14.39M	$10.14M
YoY Change	169.08%	63.84%	-14.29%	-13.18%	40.25%	48.45%	41.94%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Pretax Income	$11.90M	$36.39M	$34.46M	$25.54M	$17.90M	$17.68M	$19.15M	$21.26M	$21.50M	$16.70M	$13.70M	$17.90M	$11.80M	$15.30M	$11.30M	$8.000M	$15.00M	$13.30M
YoY Change	-67.31%	5.62%	34.92%	42.69%	1.26%	-7.7%	-9.91%	-1.13%	28.74%	21.9%	-23.46%	51.69%	-22.88%	35.4%	41.25%	-46.67%	12.78%	44.57%
Income Tax	$2.677M	$7.506M	$7.158M	$5.219M	$3.656M	$3.462M	$7.399M	$7.164M	$7.000M	$5.500M	$4.600M	$5.900M	$3.700M	$5.200M	$3.700M	$2.500M	$5.200M	$4.500M
% Of Pretax Income	22.5%	20.63%	20.77%	20.44%	20.43%	19.59%	38.64%	33.7%	32.56%	32.93%	33.58%	32.96%	31.36%	33.99%	32.74%	31.25%	34.67%	33.83%
Net Earnings	$6.890M	$28.88M	$27.30M	$20.32M	$14.24M	$14.21M	$11.75M	$14.09M	$14.50M	$11.20M	$9.100M	$12.10M	$8.000M	$10.00M	$7.600M	$5.500M	$9.800M	$8.800M
YoY Change	-76.15%	5.81%	34.35%	42.67%	0.2%	20.95%	-16.62%	-2.81%	29.46%	23.08%	-24.79%	51.25%	-20.0%	31.58%	38.18%	-43.88%	11.36%	46.67%
Net Earnings / Revenue	3.76%	21.15%	24.39%	20.18%	15.54%	18.13%	17.4%	24.08%
Basic Earnings Per Share	$0.62	$2.48	$2.42	$1.90	$1.34	$1.47	$1.21	$1.68	$1.83	$1.57			$0.98	$1.42
Diluted Earnings Per Share	$0.62	$2.48	$2.551M	$2.093M	$1.464M	$1.464M	$1.242M	$1.533M	$1.706M	$1.333M	$1.083M	$1.440M	$963.9K	$1.235M	$938.3K	$679.0K	$1.210M	$1.086M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$69.79M	$58.21M	$58.60M	$59.90M	$56.50M	$39.70M	$38.00M	$23.50M	$22.00M	$19.20M	$19.60M	$19.60M	$19.90M	$16.00M	$16.70M	$16.10M	$16.20M	$13.60M
YoY Change	19.91%	-0.67%	-2.17%	6.02%	42.32%	4.47%	61.7%	6.82%	14.58%	-2.04%	0.0%	-1.51%	24.38%	-4.19%	3.73%	-0.62%	19.12%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$3.553B	$3.151B	$2.878B	$2.473B	$2.117B	$1.817B	$1.750B	$1.501B	$1.460B	$1.519B	$1.436B	$1.407B	$1.354B	$1.133B	$930.8M	$871.2M	$808.1M	$714.5M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$11.81M	$4.289M	$4.500M	$5.300M	$6.000M	$4.000M	$2.500M	$1.900M	$1.700M	$2.000M	$2.400M	$2.800M	$3.500M	$3.500M	$2.500M	$3.000M	$3.000M	$3.100M
YoY Change	175.29%	-4.69%	-15.09%	-11.67%	50.0%	60.0%	31.58%	11.76%	-15.0%	-16.67%	-14.29%	-20.0%	0.0%	40.0%	-16.67%	0.0%	-3.23%
Deferred Revenue
YoY Change
Short-Term Debt	$16.30M	$26.44M	$6.400M	$6.100M	$6.800M	$0.00	$15.50M	$6.500M	$1.800M	$1.800M	$5.800M	$14.70M	$12.20M	$12.60M	$11.90M	$9.800M	$10.40M	$6.600M
YoY Change	-38.37%	313.16%	4.92%	-10.29%		-100.0%	138.46%	261.11%	0.0%	-68.97%	-60.54%	20.49%	-3.17%	5.88%	21.43%	-5.77%	57.58%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$28.10M	$4.289M	$4.500M	$5.300M	$6.000M	$4.000M	$2.500M	$1.900M	$1.700M	$2.000M	$2.400M	$2.800M	$3.500M	$3.500M	$2.500M	$3.000M	$3.000M	$3.100M
YoY Change	555.26%	-4.69%	-15.09%	-11.67%	50.0%	60.0%	31.58%	11.76%	-15.0%	-16.67%	-14.29%	-20.0%	0.0%	40.0%	-16.67%	0.0%	-3.23%
Long-Term Debt	$54.10M	$36.93M	$40.00M	$57.10M	$63.30M	$34.50M	$37.40M	$36.70M	$40.40M	$1.500M	$500.0K	$1.100M	$3.200M	$0.00	$20.00M	$8.400M	$3.100M	$18.00M
YoY Change	46.5%	-7.68%	-29.95%	-9.79%	83.48%	-7.75%	1.91%	-9.16%	2593.33%	200.0%	-54.55%	-65.63%		-100.0%	138.1%	170.97%	-82.78%
Other Long-Term Liabilities	$6.844M	$4.906M	$3.600M	$6.200M	$5.400M	$1.800M	$1.700M	$5.300M	$1.700M	$2.200M	$1.300M	$1.800M	$1.000M	$11.30M	$1.700M	$4.200M	$1.300M	$1.400M
YoY Change	39.5%	36.28%	-41.94%	14.81%	200.0%	5.88%	-67.92%	211.76%	-22.73%	69.23%	-27.78%	80.0%	-91.15%	564.71%	-59.52%	223.08%	-7.14%
Total Long-Term Liabilities	$60.94M	$41.83M	$43.60M	$63.30M	$68.70M	$36.30M	$39.10M	$42.00M	$42.10M	$3.700M	$1.800M	$2.900M	$4.200M	$11.30M	$21.70M	$12.60M	$4.400M	$19.40M
YoY Change	45.68%	-4.05%	-31.12%	-7.86%	89.26%	-7.16%	-6.9%	-0.24%	1037.84%	105.56%	-37.93%	-30.95%	-62.83%	-47.93%	72.22%	186.36%	-77.32%
Total Liabilities	$3.303B	$2.916B	$2.654B	$2.295B	$1.951B	$1.670B	$1.606B	$1.377B	$1.342B	$1.379B	$1.313B	$1.273B	$1.227B	$1.035B	$835.9M	$805.7M	$740.8M	$655.3M
YoY Change	13.26%	9.88%	15.68%	17.59%	16.85%	3.95%	16.69%	2.62%	-2.74%	5.05%	3.13%	3.73%	18.59%	23.81%	3.75%	8.76%	13.05%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Basic Shares Outstanding	11.17M shares	10.72M shares	10.72M shares	10.72M shares	10.67M shares	9.687M shares	9.687M shares	8.369M shares
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $184.32 Million

About First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc. engages in the provision of personalized commercial banking services to businesses, professionals, and individuals. The company is headquartered in Hammond, Louisiana and currently employs 486 full-time employees. The company went IPO on 2015-11-05. The Bank offers a range of financial services and focuses on building client relationships and providing customer service. The Bank operates about 36 locations throughout Louisiana, Texas, Kentucky, and West Virginia. The Banks principal business consists of attracting deposits from the general public and local municipalities in its market areas and then investing those deposits. The Bank also generates funds from operations, borrowings in lending and investing in securities. The Bank serves the credit needs of its customer base, including commercial real estate loans, commercial and industrial loans, commercial leases, and others. The Bank offers a variety of deposit accounts to consumers, small businesses, and municipalities, including personal and business checking and savings accounts, time deposits and money market accounts. In addition, the Bank offers a range of consumer services.

Industry: Savings Institution, Federally Chartered Peers: Bankwell Financial Group, Inc. COLONY BANKCORP INC FIDELITY D & D BANCORP INC NORTHRIM BANCORP INC Orange County Bancorp, Inc. /DE/ PNC FINANCIAL SERVICES GROUP, INC. River Financial Corp Southern States Bancshares, Inc. Third Coast Bancshares, Inc.