First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) Financials

FGBIP

Trailing 12 months to June 30, 2026

Revenue $93.5M -7.5% YoY

Net Income -$36.4M -245.4% YoY

Free Cash Flow $38.5M +285.1% YoY

Operating Cash Flow $54.5M +400.0% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 14, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FGBIP SEC filings page.

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) reported $93.5M in revenue over the twelve months to Jun 30, 2026, down 7.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FGBIP FY2025 2026-09-05

Funding costs now dominate the income statement, turning balance-sheet expansion into FY2025 cash consumption.

In FY2025, interest expense reached $126M against revenue of $95.4M, helping explain the shift to a loss-making operating model. Operating cash flow was -$8.3M and free cash flow was -$10.0M, showing that the deterioration reached cash generation rather than remaining an accounting-only event.

Assets expanded from $2.88B in FY2021 to $4.08B in FY2025, but that scale did not translate into stronger returns. Balance-sheet leverage increased as debt-to-equity rose from 0.2x in FY2021 to 0.8x in FY2025.

Net margin moved from 27.2% in FY2021 to -58.7% in FY2025, a reversal rather than ordinary margin noise. Return on assets also shifted from 1.0% to -1.4%, meaning the enlarged asset base is currently producing losses instead of improving earnings efficiency.

Financial Health Signals

Financial Health Score 9/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock earned a return on assets of -1.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.3% the prior year. Earnings ranks banks on that return over three years, and First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock scores 12/100 among other banks.

Growth

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock reported revenue of $95.4M in fiscal year 2025, against $113.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock scores 18/100 among other banks.

Capital

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock funded 5.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $226.2M of equity against $4.1B of assets. Capital ranks banks on that cushion, and First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock scores 3/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock scores 15/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock scores 5/100 on it among other banks.

Stability

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock reported a net loss of $56.0M in fiscal year 2025, against $12.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock scores 3/100 among other banks.

Piotroski F-Score Partial

2/7

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock passes 2 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality No Cash Backing

N/A

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock reported a net loss of $56.0M while operations used $8.3M of cash. With neither figure positive, the ratio between the two carries no quality signal.

Interest Coverage At Risk

N/A

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock reported an operating loss of $46.2M against $126.3M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.

Key Financial Metrics

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Earnings & Revenue

Revenue

$24.2M

YoY-0.9%

QoQ+5.6%

5Y CAGR-0.7%

10Y CAGR+4.3%

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock generated $24.2M in revenue in Q2 2026. This represents a decrease of 0.9% from the same quarter a year earlier. Against the prior quarter it is up 5.6%.

Net Income

$3.4M

YoY+147.0%

QoQ+25.1%

5Y CAGR-11.8%

10Y CAGR-2.5%

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock reported $3.4M in net income in Q2 2026. This represents an increase of 147.0% from the same quarter a year earlier. Against the prior quarter it is up 25.1%.

EBITDA

Not reported for Q2 2026.

EPS (Diluted)

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$15.4M

YoY+17.4%

QoQ-130.5%

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock recorded an outflow of $15.4M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents an increase of 17.4% from the same quarter a year earlier. Against the prior quarter it is down 130.5%.

Cash & Debt

$781.6M

YoY+9.3%

QoQ+6.5%

5Y CAGR+43.0%

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock held $781.6M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.01

YoY0.0%

QoQ0.0%

5Y CAGR-41.8%

10Y CAGR-24.2%

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock paid $0.01 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

17M

YoY+9.4%

QoQ+0.5%

5Y CAGR+11.2%

10Y CAGR+8.1%

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock had 17M shares outstanding in Q2 2026. This represents an increase of 9.4% from the same quarter a year earlier. Against the prior quarter it is up 0.5%.

Margins & Returns

Net Margin

14.2%

YoY+44.1pp

QoQ+2.2pp

5Y change-11.5pp

10Y change-13.5pp

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's net profit margin was 14.2% in Q2 2026, showing the share of revenue converted to profit. This is up 44.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.2 percentage points.

Return on Equity

1.5%

YoY+4.3pp

QoQ+0.3pp

5Y change-1.5pp

10Y change-1.9pp

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's ROE was 1.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 4.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$14.7M

YoY+5267.0%

QoQ+8673.7%

5Y CAGR+80.2%

10Y CAGR+42.3%

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock invested $14.7M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 5267.0% from the same quarter a year earlier. Against the prior quarter it is up 8673.7%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

FGBIP Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FGBIP quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$93.5M	$95.4M-15.7%	$113.2M+18.8%	$95.3M-14.2%	$111.1M+10.6%	$100.4M+2.0%	$98.4M+40.7%	$70.0M+12.3%	$62.3M+1.3%	$61.5M+6.3%	$57.8M+2.5%	$56.4M+12.2%	$50.3M+6.4%	$47.2M-11.2%	$53.2M+4.8%	$50.8M
SG&A Expenses	$28.6M	$30.5M-20.5%	$38.3M-5.2%	$40.4M+10.1%	$36.7M+14.0%	$32.2M+8.7%	$29.6M+18.3%	$25.0M+9.3%	$22.9M+13.8%	$20.1M+21.3%	$16.6M+7.0%	$15.5M-2.2%	$15.8M+10.2%	$14.4M+5.1%	$13.7M+9.1%	$12.5M
Operating Income	N/A	-$46.2M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EBITDA	N/A	-$41.9M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$122.6M	$126.3M-5.2%	$133.3M+35.6%	$98.3M+169.1%	$36.5M+63.8%	$22.3M-14.3%	$26.0M-13.2%	$30.0M+40.3%	$21.4M+48.4%	$14.4M+41.9%	$10.1M+17.8%	$8.6M-6.5%	$9.2M-17.4%	$11.1M-15.1%	$13.1M-13.2%	$15.1M
Income Tax	-$6.8M	-$12.5M-452.4%	$3.6M+32.9%	$2.7M-64.3%	$7.5M+4.9%	$7.2M+37.2%	$5.2M+42.8%	$3.7M+5.6%	$3.5M-53.2%	$7.4M+3.3%	$7.2M+2.9%	$7.0M+26.8%	$5.5M+20.0%	$4.6M-21.9%	$5.9M+57.4%	$3.7M
Net Income	-$36.4M	-$56.0M-550.0%	$12.4M+35.0%	$9.2M-68.1%	$28.9M+5.8%	$27.3M+34.3%	$20.3M+42.7%	$14.2M+0.2%	$14.2M+21.0%	$11.8M-16.6%	$14.1M-2.8%	$14.5M+29.2%	$11.2M+22.7%	$9.1M-24.2%	$12.1M+50.1%	$8.0M
EPS (Basic)	N/A	-$4.17-614.8%	$0.81+30.6%	$0.62-75.0%	$2.48+2.5%	$2.42+27.4%	$1.90+41.8%	$1.34-8.8%	$1.47+21.5%	$1.21-28.0%	$1.68-8.2%	$1.83+16.6%	$1.57+28.7%	$1.22-23.8%	$1.60+63.3%	$0.98

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$24.2M-0.9%	$22.9M-6.8%	$22.3M-10.9%	$24.1M-11.1%	$24.4M-33.6%	$24.6M+1.4%	$25.1M+6.2%	$27.1M+18.2%
SG&A Expenses	$7.0M-10.4%	$7.4M-12.9%	$6.7M-14.6%	$7.5M-26.1%	$7.8M-24.9%	$8.4M-14.7%	$7.9M-21.8%	$10.1M-3.2%
Interest Expense	$29.0M-9.6%	$31.6M-2.0%	$30.8M-12.5%	$31.3M-10.0%	$32.1M-1.0%	$32.2M+4.0%	$35.1M+20.1%	$34.7M+27.8%
Income Tax	$913K+141.9%	$800K+143.9%	$469K+196.8%	-$9.0M-1691.3%	-$2.2M-201.2%	-$1.8M-367.5%	$158K-49.8%	$566K+5.0%
Net Income	$3.4M+147.0%	$2.7M+144.5%	$2.5M+142.6%	-$45.0M-2435.4%	-$7.3M-201.4%	-$6.2M-366.9%	$1.0M-22.5%	$1.9M+8.7%
EPS (Basic)	$0.17+127.9%	$0.14+125.9%	$0.28+833.3%	-$3.01-2836.4%	-$0.61-215.1%	-$0.54-485.7%	$0.03-50.0%	$0.11+10.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, EPS (Diluted), Diluted Shares (Avg).

FGBIP Balance Sheet

FGBIP quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$4.1B+2.7%	$4.0B+11.8%	$3.6B+12.7%	$3.2B+9.5%	$2.9B+16.4%	$2.5B+16.8%	$2.1B+16.5%	$1.8B+3.8%	$1.8B+16.6%	$1.5B+2.8%	$1.5B-3.9%	$1.5B+5.7%	$1.4B+2.1%	$1.4B+3.9%	$1.4B
Cash & Equivalents	$845.7M+49.9%	$564.2M+97.0%	$286.5M+244.2%	$83.2M-68.2%	$261.9M-12.6%	$299.6M+344.4%	$67.4M-47.3%	$128.0M+236.5%	$38.0M+110.0%	$18.1M	N/A	N/A	N/A	N/A	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A
Goodwill	$0-100.0%	$12.9M0.0%	$12.9M0.0%	$12.9M0.0%	$12.9M0.0%	$12.9M-0.3%	$12.9M+272.8%	$3.5M0.0%	$3.5M+73.7%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M
Total Liabilities	$3.9B+3.6%	$3.7B+12.5%	$3.3B+13.3%	$2.9B+9.9%	$2.7B+15.7%	$2.3B+17.6%	$2.0B+16.8%	$1.7B+4.0%	$1.6B+16.7%	$1.4B+2.6%	$1.3B-2.7%	$1.4B+5.0%	$1.3B+3.1%	$1.3B+3.7%	$1.2B
Long-Term Debt	$179.0M-8.2%	$194.9M-6.8%	$209.1M+466.7%	$36.9M-14.6%	$43.2M-28.6%	$60.5M-4.4%	$63.3M+83.5%	$34.5M-7.8%	$37.4M+1.9%	$36.7M-9.2%	$40.4M+2676.6%	$1.5M+191.0%	$500K-54.5%	$1.1M-65.6%	$3.2M
Total Equity	$226.2M-11.3%	$255.0M+2.2%	$249.6M+6.2%	$235.0M+5.0%	$223.9M+25.4%	$178.6M+7.6%	$166.0M+12.7%	$147.3M+2.3%	$144.0M+15.8%	$124.3M+5.2%	$118.2M-15.3%	$139.6M+13.1%	$123.4M-8.0%	$134.2M+6.0%	$126.6M
Retained Earnings	$14.1M-80.7%	$73.0M+7.3%	$68.0M-11.0%	$76.4M+34.8%	$56.7M+52.6%	$37.1M-14.2%	$43.3M+23.9%	$34.9M-21.4%	$44.5M+14.1%	$39.0M-21.9%	$49.9M+20.6%	$41.4M-12.8%	$47.5M+10.2%	$43.1M+16.3%	$37.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$3.9B-1.9%	$4.0B+3.4%	$4.1B+2.7%	$3.8B-3.2%	$4.0B+9.8%	$3.8B+7.7%	$4.0B+11.8%	$3.9B+14.8%
Cash & Equivalents	$781.6M+9.3%	$733.8M+18.7%	$845.7M+49.9%	$754.2M+105.2%	$714.9M+139.1%	$618.4M+86.2%	$564.2M+97.0%	$367.6M+82.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$0-100.0%	$0-100.0%	$0-100.0%	$0-100.0%	$12.9M0.0%	$12.9M0.0%	$12.9M0.0%	$12.9M0.0%
Total Liabilities	$3.7B-1.0%	$3.7B+4.4%	$3.9B+3.6%	$3.6B-2.5%	$3.7B+10.3%	$3.6B+8.2%	$3.7B+12.5%	$3.7B+15.4%
Long-Term Debt	N/A	N/A	$179.0M-8.2%	N/A	N/A	N/A	$194.9M-6.8%	N/A
Total Equity	$227.3M-13.6%	$224.0M-10.9%	$226.2M-11.3%	$221.1M-13.8%	$263.1M+3.1%	$251.4M+0.4%	$255.0M+2.2%	$256.4M+7.4%
Retained Earnings	$18.7M-67.7%	$16.1M-75.7%	$14.1M-80.7%	$12.3M-83.0%	$58.1M-19.7%	$66.1M-2.4%	$73.0M+7.3%	$72.7M+4.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

FGBIP Cash Flow Statement

FGBIP quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$54.5M	-$8.3M-124.5%	$33.7M+55.3%	$21.7M-41.1%	$36.9M+39.0%	$26.5M+11.6%	$23.8M-18.3%	$29.1M+8.1%	$26.9M+119.1%	$12.3M-44.7%	$22.2M+29.0%	$17.2M+2.5%	$16.8M-2.2%	$17.2M+1.6%	$16.9M-6.0%	$18.0M
Depreciation & Amortization	N/A	$4.3M-3.2%	$4.4M+10.1%	$4.0M-2.0%	$4.1M-13.9%	$4.8M+26.3%	$3.8M+23.7%	$3.1M-7.1%	$3.3M+34.6%	$2.4M+11.6%	$2.2M+9.8%	$2.0M-6.9%	$2.1M+1.5%	$2.1M+0.7%	$2.1M+22.0%	$1.7M
Capital Expenditures	$16.0M	$1.7M-44.3%	$3.0M-79.5%	$14.9M+462.1%	$2.6M+19.9%	$2.2M-65.1%	$6.3M-47.1%	$11.9M+215.1%	$3.8M-44.4%	$6.8M+65.8%	$4.1M-6.6%	$4.4M+163.8%	$1.7M-5.1%	$1.8M+12.2%	$1.6M-33.0%	$2.3M
Free Cash Flow	$38.5M	-$10.0M-132.5%	$30.7M+347.4%	$6.9M-80.0%	$34.2M+40.7%	$24.3M+39.4%	$17.4M+1.8%	$17.1M-25.8%	$23.1M+323.0%	$5.5M-69.8%	$18.1M+41.3%	$12.8M-15.3%	$15.1M-1.9%	$15.4M+0.5%	$15.3M-1.9%	$15.6M
Investing Cash Flow	$31.8M	$129.9M+191.4%	-$142.1M+31.1%	-$206.1M+56.0%	-$467.9M-3.4%	-$452.6M-252.4%	-$128.5M+2.6%	-$131.9M-2042.9%	$6.8M+108.2%	-$83.0M-22.4%	-$67.8M-243.6%	$47.2M	N/A	-$78.1M+5.6%	-$82.8M+2.0%	-$84.5M
Financing Cash Flow	-$19.6M	$159.9M-58.6%	$386.1M-0.4%	$387.6M+53.6%	$252.3M-35.0%	$388.5M+15.3%	$336.9M+696.6%	$42.3M-24.8%	$56.3M-37.9%	$90.6M+243.2%	$26.4M+136.8%	-$71.7M	N/A	$36.2M-8.8%	$39.7M-70.4%	$134.1M
Dividends Paid	$629K	$560K-89.1%	$5.1M-30.4%	$7.4M+7.5%	$6.9M+7.3%	$6.4M+2.6%	$6.2M+7.4%	$5.8M+3.0%	$5.6M+8.2%	$5.2M+7.0%	$4.9M+5.2%	$4.6M+4.8%	$4.4M-6.7%	$4.7M-21.1%	$6.0M+10.6%	$5.4M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0-100.0%	$54K	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$709K+96.1%	$50.6M+838.8%	-$24.8M-230.5%	$29.4M+506.2%	-$18.3M-331.9%	$5.4M+170.0%	$19.0M+47.5%	$4.9M+269.4%
Depreciation & Amortization	$1.0M-6.8%	$977K-10.8%	$1.0M-14.3%	$1.1M+2.1%	$1.1M-7.3%	$1.1M+9.4%	$1.2M+21.1%	$1.0M+3.5%
Capital Expenditures	$14.7M+5267.0%	$167K-19.7%	$527K+81.7%	$688K+398.6%	$273K-78.9%	$208K-87.0%	$290K-95.6%	-$138K-96.5%
Free Cash Flow	-$15.4M+17.4%	$50.4M+873.3%	-$25.3M-235.4%	$28.7M+509.4%	-$18.6M-381.4%	$5.2M+1208.3%	$18.7M+198.0%	$4.7M+169.7%
Investing Cash Flow	$95.6M+425.5%	-$37.5M-120.2%	-$162.4M-221.9%	$136.1M+156.7%	-$29.4M+61.9%	$185.7M+343.7%	$133.3M+316.4%	-$240.1M-104.3%
Financing Cash Flow	-$47.1M-132.7%	-$125.1M+8.6%	$278.7M+529.0%	-$126.2M-141.5%	$144.1M+299.1%	-$136.8M-7860.9%	$44.3M-66.9%	$303.9M+73.2%
Dividends Paid	$165K+27.9%	$158K+26.4%	$155K+23.0%	$151K-84.9%	$129K-93.6%	$125K-93.8%	$126K-93.7%	$999K-45.4%

Not reported in any period shown, so not listed: Stock-Based Compensation, Share Buybacks.

FGBIP Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FGBIP quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	-48.4%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-58.7%-69.7pp	11.0%+1.3pp	9.7%-16.3pp	26.0%-1.2pp	27.2%+6.5pp	20.6%+0.3pp	20.3%-2.5pp	22.8%+3.7pp	19.1%-5.3pp	24.4%-1.3pp	25.7%+3.4pp	22.3%+3.0pp	19.4%-3.3pp	22.7%+6.8pp	15.8%
Return on Equity	-24.8%-29.6pp	4.9%+1.2pp	3.7%-8.6pp	12.3%+0.1pp	12.2%+0.8pp	11.4%+2.8pp	8.6%-1.1pp	9.7%+1.5pp	8.2%-3.2pp	11.3%-0.9pp	12.3%+4.2pp	8.0%+0.6pp	7.4%-1.6pp	9.0%+2.6pp	6.3%
Return on Assets	-1.4%-1.7pp	0.3%+0.1pp	0.3%-0.7pp	0.9%0.0pp	0.9%+0.1pp	0.8%+0.2pp	0.7%-0.1pp	0.8%+0.1pp	0.7%-0.3pp	0.9%-0.1pp	1.0%+0.3pp	0.7%+0.1pp	0.6%-0.2pp	0.9%+0.3pp	0.6%
Debt-to-Equity	0.790.0x	0.76-0.1x	0.84+0.7x	0.160.0x	0.19-0.1x	0.340.0x	0.38+0.1x	0.230.0x	0.260.0x	0.300.0x	0.34+0.3x	0.010.0x	0.000.0x	0.010.0x	0.03
Asset Turnover	0.020.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.04
FCF Margin	-10.5%-37.6pp	27.1%+19.9pp	7.2%-23.6pp	30.8%+6.6pp	24.2%+6.5pp	17.7%-6.8pp	24.5%-12.6pp	37.1%+28.2pp	8.9%-22.4pp	31.3%+8.6pp	22.7%-7.4pp	30.1%-2.5pp	32.6%+3.8pp	28.8%-2.0pp	30.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	14.2%+44.1pp	12.0%+37.1pp	11.0%+6.9pp	-186.8%	-29.9%-49.5pp	-25.1%-34.6pp	4.0%-1.5pp	7.1%-0.6pp
Return on Equity	1.5%+4.3pp	1.2%+3.7pp	1.1%+0.7pp	-20.4%-21.1pp	-2.8%-5.6pp	-2.5%-3.4pp	0.4%-0.1pp	0.8%0.0pp
Return on Assets	0.1%+0.3pp	0.1%+0.2pp	0.1%0.0pp	-1.2%-1.2pp	-0.2%-0.4pp	-0.2%-0.2pp	0.0%0.0pp	0.1%0.0pp
Debt-to-Equity	16.13+2.0x	16.67+2.4x	0.790.0x	16.18+1.9x	14.09+0.9x	14.23+1.0x	0.76-0.1x	14.30+1.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	-63.5%+12.7pp	96.5%+75.4pp	-113.2%	119.2%	-76.2%-94.2pp	21.1%+19.4pp	74.5%+48.0pp	17.4%+46.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock FGBIP	FY2025	$95.4M	-$56.0M	-58.7%	N/A	9/100
Huntington Bancshares Incorporated HBANL	FY2025	$8.2B	$2.2B	27.1%	N/A	44/100
Zions Bancorporation, N.A. ZIONP	FY2025	$3.4B	$899.0M	26.6%	N/A	36/100
Bridgewater Bancshares, Inc. BWBBP	FY2025	$143.4M	$46.1M	32.1%	N/A	60/100
Dime Community Bancshares, Inc. Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A DCOMP	FY2025	$19.9M	$110.7M	N/A	N/A	25/100

Where First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock Ranks

Frequently Asked Questions

What is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's annual revenue?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) reported $95.4M in total revenue for fiscal year 2025. This represents a -15.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's revenue growing?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) revenue declined by 15.7% year-over-year, from $113.2M to $95.4M in fiscal year 2025.

Is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock profitable?

No, First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) reported a net income of -$56.0M in fiscal year 2025, with a net profit margin of -58.7%.

What is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's EBITDA?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) had EBITDA of -$41.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock have?

As of fiscal year 2025, First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) had $845.7M in cash and equivalents against $179.0M in long-term debt.

What is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's operating margin?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) had an operating margin of -48.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's net profit margin?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) had a net profit margin of -58.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock pay dividends?

Yes, First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) paid $0.04 per share in dividends during fiscal year 2025.

What is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's return on equity (ROE)?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) has a return on equity of -24.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's free cash flow?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) recorded an outflow of $10.0M in free cash flow during fiscal year 2025. This represents a -132.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's operating cash flow?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) recorded an outflow of $8.3M in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's total assets?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) had $4.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's capital expenditures?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock have outstanding?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) had 16M shares outstanding as of fiscal year 2025.

What is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's debt-to-equity ratio?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) had a debt-to-equity ratio of 0.79 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's return on assets (ROA)?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) had a return on assets of -1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's Piotroski F-Score?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) has a Piotroski F-Score of 2 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock's earnings high quality?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) reported a net loss of $56.0M while operations used $8.3M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock cover its interest payments?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) reported an operating loss of $46.2M against $126.3M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock?

First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock (FGBIP) scores 9 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.