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First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc.

NASDAQ•FGBI
CEO: Mr. Eric John Dosch C.F.A.
セクター: Financial Services
業種: Banks - Regional
上場日: 2012-08-13
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 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. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.
連絡先情報
400 East Thomas Street, Hammond, LA, 70401, United States
985-345-7685
www.fgb.net
時価総額
$134.95M
PER (TTM)
-2.4
14.8
配当利回り
0.5%
52週高値
$10.55
52週安値
$4.31
52週レンジ
72%
順位48Top 64.4%
3.3
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.3 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$53.10M-11.19%
直近4四半期の推移

EPS

$0.12+250.88%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Significant Quarterly Net Loss Q3 2025 reported net loss of $(45.0)M, a sharp reversal from $1.9M income year-over-year, driven by credit provisions.
Loan Portfolio Shrinkage Net loans decreased 15.4% ($414.0M) year-to-date to $2.28B, reflecting management's strategic focus on reducing risk.
Credit Provision Surge Provision for credit losses spiked to $47.9M in Q3, primarily due to establishing a specific reserve for a troubled commercial lease.
Goodwill Impairment Recorded The company recognized a one-time, non-cash goodwill impairment charge totaling $12.9M triggered by stock price decline.

リスク要因

Concentrated Credit Deterioration $52.0M commercial lease exposure was downgraded to substandard following an auto parts manufacturer bankruptcy filing.
Asset Quality Decline Non-performing loans increased to $114.3M (5.01% of loans), necessitating the Allowance for Credit Losses to reach $85.7M.
Net Interest Margin Compression Q3 Net Interest Margin fell 17 basis points to 2.34% as lower yields on earning assets outpaced liability cost reductions.
Shareholder Equity Reduction Total shareholders' equity decreased to $221.1M, largely due to the $58.5M net loss recorded over the nine-month period.

見通し

Credit Cost Uncertainty Management believes the current allowance covers expected losses, but economic uncertainty may require additional increases in future periods.
Continued Risk Reduction Strategy The bank plans to continue its modified business strategy aimed at reducing exposure to commercial real estate related loans.
Capital Preservation Focus Capital ratios remain above regulatory minimums; common stock dividend was reduced to preserve capital under the new strategy.
Deposit Mix Management Management will continue evaluating deposit product mix and technology to attract and retain lower-cost funding sources.

同業比較

売上高 (TTM)

First Guaranty Bancshares, Inc.FGBI
$220.51M
-9.9%
BCB Bancorp, Inc.BCBP
$166.44M
-15.5%
MainStreet Bancshares, Inc.MNSB
$135.47M
-1.7%

粗利益率 (最新四半期)

First Capital, Inc.FCAP
76.9%
+4.2pp
Eagle Bancorp Montana, Inc.EBMT
74.8%
+6.8pp
Provident Financial Holdings, Inc.PROV
67.3%
+6.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
EBMT$180.20M11.98.1%3.9%
FCAP$178.12M10.89.2%0.0%
RBKB$171.09M16.67.7%2.3%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-2.0%
横ばい
4四半期純利益CAGR
N/M
収益構造の変化
キャッシュフロー安定性
50%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月27日
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EPS:-
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売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月17日|
    売上高: $54.97M-10.5%
    |
    EPS: $-3.01-2836.4%
    予想を下回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月18日|
    売上高: $55.98M-18.6%
    |
    EPS: $-0.61-215.1%
    予想を下回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月12日|
    売上高: $56.47M+3.0%
    |
    EPS: $-0.54-485.7%
    予想を下回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月17日|
    売上高: $244.78M+27.6%
    |
    EPS: $0.81+30.6%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月12日|
    売上高: $61.41M+23.6%
    |
    EPS: $0.11+10.0%
    予想を上回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月9日|
    売上高: $68.78M+49.0%
    |
    EPS: $0.53+178.9%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月10日|
    売上高: $54.80M+25.7%
    |
    EPS: $0.14-48.1%
    予想を上回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月15日|
    売上高: $191.78M+31.5%
    |
    EPS: $0.62-75.0%
    予想を上回る