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First Guaranty Bancshares, Inc.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US32043P1066
USD
4.80
-0.17 (-3.42%)

Dec 04

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
ChoiceOne Financial Services, Inc.
First Community Corp. (South Carolina)
Penns Woods Bancorp, Inc.
OP Bancorp
Ames National Corp.
MainStreet Bancshares, Inc.
Hanover Bancorp, Inc.
First Internet Bancorp
HomeStreet, Inc.
First Guaranty Bancshares, Inc.
Partners Bancorp
Why is First Guaranty Bancshares, Inc. ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
  • Poor long term growth as Net profit has grown by an annual rate of -190.96%
  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.74% signifying inadequate buffers against its risk based assets
2
With a fall in Interest of NAN%, the company declared Very Negative results in Jun 25
  • OPERATING CASH FLOW(Y) Lowest at USD 10.9 MM
  • OPERATING PROFIT(Q) Lowest at USD -9.4 MM
  • OPERATING PROFIT MARGIN(Q) Lowest at -17.3 %
3
Risky - Market Cap of less than 100 cr
  • The stock is trading risky as compared to its average historical valuations
  • Over the past year, while the stock has generated a return of -63.13%, its profits have fallen by -50.7%
4
Falling Participation by Institutional Investors
  • Institutional investors have decreased their stake by -1.12% over the previous quarter and collectively hold 8.85% of the company
  • These investors have better capability and resources to analyse fundamentals of companies than most retail investors
5
Below par performance in long term as well as near term
  • Along with generating -63.13% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is First Guaranty Bancshares, Inc. for you?

High Risk, Low Return

Absolute
Risk Adjusted
Volatility
First Guaranty Bancshares, Inc.
-67.46%
-0.97
53.94%
S&P 500
13.22%
0.61
20.17%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
18.22%
EBIT Growth (5y)
-169.86%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
50.65%
Pledged Shares
0
Institutional Holding
8.85%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
29
Industry P/E
Price to Book Value
0.45
EV to EBIT
-188.23
EV to EBITDA
-59.14
EV to Capital Employed
1.78
EV to Sales
-1.40
PEG Ratio
NA
Dividend Yield
2.60%
ROCE (Latest)
-0.95%
ROE (Latest)
1.58%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

3What is working for the Company
CASH AND EQV(HY)

Highest at USD 1,332.18 MM

-29What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at USD 10.9 MM

OPERATING PROFIT(Q)

Lowest at USD -9.4 MM

OPERATING PROFIT MARGIN(Q)

Lowest at -17.3 %

PRE-TAX PROFIT(Q)

Lowest at USD -9.48 MM

NET PROFIT(Q)

Lowest at USD -7.3 MM

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0%

DIVIDEND PER SHARE(HY)

Lowest at USD 0

CREDIT DEPOSIT RATIO(HY)

Lowest at 69.24%

EPS(Q)

Lowest at USD -0.61

Here's what is working for First Guaranty Bancshares, Inc.
Cash and Eqv
Highest at USD 1,332.18 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for First Guaranty Bancshares, Inc.
Pre-Tax Profit
At USD -9.48 MM has Fallen at -201.36%
Year on Year (YoY)
MOJO Watch
Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit
At USD -7.3 MM has Fallen at -201.42%
Year on Year (YoY)
MOJO Watch
Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow
Lowest at USD 10.9 MM and Fallen
In each year in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Operating Profit
Lowest at USD -9.4 MM and Fallen
In each period in the last five periods
MOJO Watch
Near term Operating Profit trend is quite negative

Operating Profit (USD MM)

Operating Profit Margin
Lowest at -17.3 % and Fallen
In each period in the last five periods
MOJO Watch
Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit
Lowest at USD -9.48 MM and Fallen
In each period in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit
Lowest at USD -7.3 MM and Fallen
In each period in the last five periods
MOJO Watch
Near term Net Profit trend is very negative

Net Profit (USD MM)

EPS
Lowest at USD -0.61
in the last five periods
MOJO Watch
Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Dividend per share
Lowest at USD 0
in the last five years
MOJO Watch
Company is distributing lower dividend than previous years

DPS (USD)

Credit Deposit Ratio
Lowest at 69.24%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio
Lowest at 0%
in the last five years
MOJO Watch
Company is distributing lower proportion of profits generated as dividend

DPR (%)

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