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Financials · FGBI

First Guaranty Bancshares Inc. (FGBI) financials

For the twelve months ended Jun 30, 2026, First Guaranty Bancshares Inc. reported $93.52M of revenue and -$36.38M of net income.

Revenue, TTM
$93.52M
Revenue growth, YoY
-7.5%
Net income, TTM
-$36.38M
Net margin
-38.9%
Free cash flow, TTM
$38.50M
Cash
$781.58M
P/S
2.08
Market cap
$194.2M
Annual revenue$95.42M
FY2016FY2025
Annual net income-$56.02M
FY2016FY2025
Annual free cash flow-$9.98M
FY2016FY2025

FGBI revenue and earnings growth

FGBI revenueQ2 2026$24.18M

Quarter YoY
-0.9%
QoQ
+5.6%
FY YoY
-15.7%
5Y CAGR
-0.6%
10Y CAGR
+5.4%

FGBI revenue was $24.18M in fiscal Q2 2026 (ended Jun 30, 2026), down 0.9% from a year earlier and up 5.6% from the prior quarter. For the full fiscal 2025 it was $95.42M, down 15.7% from fiscal 2024. Compound annual growth was -0.6% over 5 years and +5.4% over 10 years. It rose in 8 of the last 10 fiscal years.

FGBI net incomeQ2 2026$3.43M

QoQ
+25.1%

FGBI net income was $3.43M in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$7.30M a year earlier and up 25.1% from the prior quarter. For the full fiscal 2025 it was -$56.02M, compared with $12.45M in fiscal 2024.

FGBI free cash flowQ2 2026-$15.36M

FGBI free cash flow was -$15.36M in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$18.59M a year earlier. For the full fiscal 2025 it was -$9.98M, compared with $30.68M in fiscal 2024.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$95.42M$113.18M$95.28M$111.05M$100.38M$98.45M$69.98M$62.30M$61.49M$57.85M
Operating income-$46.20M---------
Interest expense--$98.30M$36.53M$22.30M$26.02M$29.97M$21.37M$14.39M$10.14M
Pre-tax income-$68.56M$16.01M$11.90M$36.39M$34.45M$25.54M$17.90M$17.68M$19.15M$21.26M
Income tax-$12.54M$3.56M$2.68M$7.51M$7.16M$5.22M$3.66M$3.46M$7.40M$7.16M
Net income-$56.02M$12.45M$9.22M$28.88M$27.30M$20.32M$14.24M$14.21M$11.75M$14.09M
EPS, basic-$4.17$0.81$0.62$2.48$2.42$1.90$1.34$1.47$1.21$1.68

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$845.70M$564.21M$286.45M$83.22M$261.93M$299.61M$67.42M$127.97M$38.03M$18.11M
Goodwill$0$12.90M$12.90M$12.90M$12.90M$12.90M$12.94M$3.47M$3.47M$2.00M
Total assets$4.08B$3.97B$3.55B$3.15B$2.88B$2.47B$2.12B$1.82B$1.75B$1.50B
Short-term debt$7.12M$7.01M$66.30M$146.44M$6.44M$56.12M$19.92M$0$15.50M$6.50M
Total debt$179.00M$194.90M$209.10M$36.90M$43.20M$60.50M$63.30M$34.50M$37.40M$36.70M
Total liabilities$3.85B$3.72B$3.30B$2.92B$2.65B$2.29B$1.95B$1.67B$1.61B$1.38B
Shareholders' equity$226.22M$255.05M$249.63M$234.99M$223.89M$178.59M$166.03M$147.28M$143.98M$124.35M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow-$8.28M$33.73M$21.71M$36.87M$26.52M$23.76M$29.08M$26.89M$12.28M$22.21M
Capital expenditures$1.70M$3.04M$14.86M$2.64M$2.20M$6.31M$11.93M$3.79M$6.81M$4.11M
Free cash flow-$9.98M$30.68M$6.86M$34.22M$24.32M$17.45M$17.14M$23.10M$5.46M$18.10M
Investing cash flow$129.90M-$142.07M-$206.09M-$467.91M-$452.64M-$128.46M-$131.91M$6.79M-$83.00M-$67.78M
Financing cash flow$159.88M$386.09M$387.61M$252.33M$388.45M$336.88M$42.29M$56.26M$90.64M$26.41M
Dividends paid$560.0K$5.13M$7.37M$6.86M$6.39M$6.23M$5.80M$5.64M$5.21M$4.87M
Depreciation and amortization$4.29M$4.43M$4.03M$4.11M$4.78M$3.78M$3.06M$3.29M$2.44M$2.19M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-15.7%18.8%-14.2%10.6%2.0%40.7%12.3%1.3%6.3%2.5%
Net income growth, YoY-35.0%-68.1%5.8%34.3%42.7%0.2%21.0%-16.6%-2.8%
Operating margin-48.4%---------
Net margin-58.7%11.0%9.7%26.0%27.2%20.6%20.4%22.8%19.1%24.4%
Free cash flow margin-10.5%27.1%7.2%30.8%24.2%17.7%24.5%37.1%8.9%31.3%
Return on equity-24.8%4.9%3.7%12.3%12.2%11.4%8.6%9.7%8.2%11.3%
Return on assets-1.4%0.3%0.3%0.9%0.9%0.8%0.7%0.8%0.7%0.9%
Debt to equity0.790.760.840.160.190.340.380.230.260.30

Source: XBRL data First Guaranty Bancshares Inc. files with the SEC, latest filing dated Aug 14, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

FGBI peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
FGBI$93.52M-7.5%-$36.38M-38.9%$194.2M
HSBC$68.27B+3.7%$23.13B33.9%$298.91B
AX$1.55B+23.0%$507.67M32.7%$5.26B
EBC$1.19B+61.8%$381.02M32.1%$5.22B
TFSL$343.73M+10.5%$102.06M29.7%$4.61B
PFS$924.11M+8.6%$310.15M33.6%$3.16B
BKU$1.13B+5.4%$273.97M24.3%$3.14B
CFFN$229.25M+19.4%$82.83M36.1%$1.06B

FGBI FAQ

7 questions
  • What is FGBI revenue?
    First Guaranty Bancshares Inc. (FGBI) reported $93.52M of revenue for the twelve months ended Jun 30, 2026. That is down 7.5% from the year before. Revenue for fiscal 2025 was $95.42M.
  • Is FGBI profitable?
    No. First Guaranty Bancshares Inc. reported a net loss of $36.38M for the twelve months ended Jun 30, 2026.
  • How much cash and debt does FGBI have?
    First Guaranty Bancshares Inc. reported $781.58M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is FGBI revenue growing?
    First Guaranty Bancshares Inc.'s revenue changed -15.7% in fiscal 2025, to $95.42M. Its compound annual growth rate was -0.6% over 5 years and +5.4% over 10 years.
  • What is FGBI free cash flow?
    First Guaranty Bancshares Inc. generated $38.50M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $54.53M less capital expenditures.
  • When did FGBI last report financial results?
    The latest statements here come from First Guaranty Bancshares Inc.'s 10-Q filed on Aug 14, 2026, covering the period ended Jun 30, 2026.
  • Where does this FGBI financial data come from?
    Quantisnow builds these statements from the structured XBRL data First Guaranty Bancshares Inc. files with the SEC. It is provided for information only and is not investment advice.