First Guaranty Bancshares, Inc.
FGBIFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, First Guaranty Bancshares, Inc. focuses on Banks - Regional services and products. First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. The $139.6M market capitalization puts FGBI squarely in micro-cap range for its industry. It offers various deposit products, such as personal and business checking, savings, money market, and demand deposits accounts, as well as time deposits to consumers, small businesses, and municipalities.
Market Cap
$139.6M
Beta
0.48
P/E (TTM)
—
P/E (Fwd)
12.98
EPS (TTM)
$-2.46
EPS (Fwd)
$0.65
ROE
-14.8%
ROA
-0.9%
Cash
$781.8M
Total Debt
$186.4M
Free CF
—
52W Change
6.6%
Annual Financials
Cash vs Debt
Where FGBI stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, FGBI finished 9.78% below its 150-day moving average ($9.10) and 8.06% below its 200-day moving average ($8.93). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is FGBI overbought or oversold?
At the October 20, 2026 close, FGBI's RSI(14) was 46.1, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $781.8M in cash and $186.4M in debt, FGBI maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of -14.8% points to negative capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. Revenue has pulled back from $109.3M (2022) to $93.7M (2025), a 14% decline worth watching.
The relatively low beta of 0.48 suggests FGBI is a less volatile holding compared to the broader index. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing FGBI.