First Guaranty Bancshares, Inc. (FGBI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Penns Woods Bancorp, Inc.

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First Guaranty Bancshares, Inc.

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Ames National Corp.

MainStreet Bancshares, Inc.

HomeStreet, Inc.

Partners Bancorp

Why is First Guaranty Bancshares, Inc. ?

Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.36%

Poor long term growth as Net profit has grown by an annual rate of -216.24%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.74% signifying inadequate buffers against its risk based assets

With a growth in Interest of NAN%, the company declared Outstanding results in Jun 26

The company has declared positive results for the last 2 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 55.23 MM
GROSS NPA (%)(Q) Lowest at 2.3%
NII(Q) Highest at USD 22.28 MM

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of 19.25%, its profits have fallen by -446.4%

Falling Participation by Institutional Investors

Institutional investors have decreased their stake by -0.59% over the previous quarter and collectively hold 7.56% of the company
These investors have better capability and resources to analyse fundamentals of companies than most retail investors

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First Guaranty Bancshares, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

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

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First Guaranty Bancshares, Inc. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

First Guaranty Bancshares, Inc.

19.25%

-0.12

59.11%

S&P 500

22.36%

1.70

13.18%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.20%

EBIT Growth (5y)

-201.24%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

8.15%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

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

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.55

EV to EBIT

9.26

EV to EBITDA

9.83

EV to Capital Employed

1.23

EV to Sales

-2.56

PEG Ratio

Dividend Yield

0.40%

ROCE (Latest)

13.26%

ROE (Latest)

-19.06%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bullish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

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

26What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 55.23 MM

GROSS NPA (%)

NII(Q)

Highest at USD 22.28 MM

CASH AND EQV(HY)

Highest at USD 1,514.25 MM

OPERATING PROFIT(Q)

Highest at USD 4.34 MM

OPERATING PROFIT MARGIN(Q)

Highest at 8.47 %

PRE-TAX PROFIT(Q)

Highest at USD 4.34 MM

NET PROFIT(Q)

Highest at USD 3.43 MM

-2What is not working for the Company

CREDIT DEPOSIT RATIO(HY)

Lowest at 51.06%

Here's what is working for First Guaranty Bancshares, Inc.

Pre-Tax Profit

At USD 4.34 MM has Grown at 145.82%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 3.43 MM has Grown at 146.98%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Non Performing Loans (%)

Lowest at 2.3%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 22.28 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Cash Flow

Highest at USD 55.23 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 4.34 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 8.47 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 4.34 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 3.43 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Cash and Eqv

Highest at USD 1,514.25 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.

Credit Deposit Ratio

Lowest at 51.06% and Fallen

In each half year 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 (%)