ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Guaranty Bancshares, Inc. ?
1
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
2
Flat results in Dec 25
- NET PROFIT(HY) At USD -29.65 MM has Grown at -1,109.64%
- OPERATING CASH FLOW(Y) Lowest at USD 16.49 MM
- NET SALES(Q) Lowest at USD 50.99 MM
3
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 7.22%, its profits have fallen by -446.4%
4
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -1.54% over the previous quarter and collectively hold 6.43% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
Real-Time Research ReportHow much should you sell?
- 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.
5.32%
-0.31
57.62%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.20%
EBIT Growth (5y)
-201.24%
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
0
Pledged Shares
0
Institutional Holding
6.43%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.57
EV to EBIT
9.19
EV to EBITDA
9.75
EV to Capital Employed
1.22
EV to Sales
-2.53
PEG Ratio
NA
Dividend Yield
0.38%
ROCE (Latest)
13.26%
ROE (Latest)
-19.06%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at USD 1,598.78 MM
OPERATING PROFIT(Q)
Highest at USD 2.92 MM
OPERATING PROFIT MARGIN(Q)
Highest at 5.72 %
PRE-TAX PROFIT(Q)
Highest at USD 2.92 MM
NET PROFIT(Q)
Highest at USD 2.45 MM
-16What is not working for the Company
NET PROFIT(HY)
At USD -29.65 MM has Grown at -1,109.64%
OPERATING CASH FLOW(Y)
Lowest at USD 16.49 MM
NET SALES(Q)
Lowest at USD 50.99 MM
NII(Q)
Lowest at USD 20.24 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
CREDIT DEPOSIT RATIO(HY)
Lowest at 56.97%
Here's what is working for First Guaranty Bancshares, Inc.
Pre-Tax Profit
At USD 2.92 MM has Grown at 149.91%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 2.45 MM has Grown at 142.57%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 2.92%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at USD 2.92 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 5.72 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 2.92 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 2.45 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Cash and Eqv
Highest at USD 1,598.78 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for First Guaranty Bancshares, Inc.
Net Sales
Lowest at USD 50.99 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (USD MM)
NII
Lowest at USD 20.24 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (USD MM)
Operating Cash Flow
Lowest at USD 16.49 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 56.97%
in the last four Semi-Annual periodsMOJO 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 yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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