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Stocks · Financials · Savings Institution, Federally Chartered

First Guaranty Bancshares, Inc.

FGBI Clue Score54
United States Fiscal year ends December CIK 0001408534
$8.34 -1.65% Close, 9 Oct 2026
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Price $8.34 −59.56% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Operating incomeNet income
Fiscal year 2016Net income14.1Fiscal year 2017Net income11.8 −16.6%Fiscal year 2018Net income14.2 +21.0%Fiscal year 2019Net income14.2 +0.2%Fiscal year 2020Net income20.3 +42.7%Fiscal year 2021Net income27.3 +34.3%Fiscal year 2022Net income28.9 +5.8%Fiscal year 2023Net income9.2 −68.1%Fiscal year 2024Net income12.4 +35.0%Fiscal year 2025Operating income−46.2Net income−56.0 −550.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating income n/a n/a n/a n/a n/a n/a n/a n/a n/a −46.2
Net income 14.1 11.8 14.2 14.2 20.3 27.3 28.9 9.2 12.4 −56.0
Growth −16.6% +21.0% +0.2% +42.7% +34.3% +5.8% −68.1% +35.0% −550.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow22.2Capital expenditure−4.1Free cash flow18.1Dividends paid−4.9Fiscal year 2017Operating cash flow12.3Capital expenditure−6.8Free cash flow5.5 −69.8%Dividends paid−5.2Fiscal year 2018Operating cash flow26.9Capital expenditure−3.8Free cash flow23.1 +323.0%Dividends paid−5.6Fiscal year 2019Operating cash flow29.1Capital expenditure−11.9Free cash flow17.1 −25.8%Dividends paid−5.8Fiscal year 2020Operating cash flow23.8Capital expenditure−6.3Free cash flow17.4 +1.8%Dividends paid−6.2Fiscal year 2021Operating cash flow26.5Capital expenditure−2.2Free cash flow24.3 +39.4%Dividends paid−6.4Fiscal year 2022Operating cash flow36.9Capital expenditure−2.6Free cash flow34.2 +40.7%Dividends paid−6.9Fiscal year 2023Operating cash flow21.7Capital expenditure−14.9Free cash flow6.9 −80.0%Dividends paid−7.4Fiscal year 2024Operating cash flow33.7Capital expenditure−3.0Free cash flow30.7 +347.4%Dividends paid−5.1Fiscal year 2025Operating cash flow−8.3Capital expenditure−1.7Free cash flow−10.0 −132.5%Dividends paid−0.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 22.2 12.3 26.9 29.1 23.8 26.5 36.9 21.7 33.7 −8.3
Capital expenditure −4.1 −6.8 −3.8 −11.9 −6.3 −2.2 −2.6 −14.9 −3.0 −1.7
Free cash flow 18.1 5.5 23.1 17.1 17.4 24.3 34.2 6.9 30.7 −10.0
Growth −69.8% +323.0% −25.8% +1.8% +39.4% +40.7% −80.0% +347.4% −132.5%
Dividends paid −4.9 −5.2 −5.6 −5.8 −6.2 −6.4 −6.9 −7.4 −5.1 −0.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash18.1Total debt36.7Net cash (debt)−18.6Shareholders’ equity124.3Debt to equity0.30Fiscal year 2017Cash38.0Total debt37.4Net cash (debt)0.6Shareholders’ equity144.0Debt to equity0.26Fiscal year 2018Cash128.0Total debt34.5Net cash (debt)93.5Shareholders’ equity147.3Debt to equity0.23Fiscal year 2019Cash67.4Total debt63.3Net cash (debt)4.1Shareholders’ equity166.0Debt to equity0.38Fiscal year 2020Cash299.6Total debt60.5Net cash (debt)239.1Shareholders’ equity178.6Debt to equity0.34Fiscal year 2021Cash261.9Total debt43.2Net cash (debt)218.7Shareholders’ equity223.9Debt to equity0.19Fiscal year 2022Cash83.2Total debt36.9Net cash (debt)46.3Shareholders’ equity235.0Debt to equity0.16Fiscal year 2023Cash286.5Total debt209.1Net cash (debt)77.4Shareholders’ equity249.6Debt to equity0.84Fiscal year 2024Cash564.2Total debt194.9Net cash (debt)369.3Shareholders’ equity255.0Debt to equity0.76Fiscal year 2025Cash845.7Total debt179.0Net cash (debt)666.7Shareholders’ equity226.2Debt to equity0.79
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 18.1 38.0 128.0 67.4 299.6 261.9 83.2 286.5 564.2 845.7
Total debt 36.7 37.4 34.5 63.3 60.5 43.2 36.9 209.1 194.9 179.0
Net cash (debt) −18.6 0.6 93.5 4.1 239.1 218.7 46.3 77.4 369.3 666.7
Shareholders’ equity 124.3 144.0 147.3 166.0 178.6 223.9 235.0 249.6 255.0 226.2
Debt to equity 0.30 0.26 0.23 0.38 0.34 0.19 0.16 0.84 0.76 0.79

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Cash flow

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Operations
22.2 12.3 26.9 29.1 23.8 26.5 36.9 21.7 33.7 −8.3
Growth −44.7% +119.1% +8.1% −18.3% +11.6% +39.0% −41.1% +55.3% −124.5%
2.2 2.4 3.3 3.1 3.8 4.8 4.1 4.0 4.4 4.3
Investment
−4.1 −6.8 −3.8 −11.9 −6.3 −2.2 −2.6 −14.9 −3.0 −1.7
calc 18.1 5.5 23.1 17.1 17.4 24.3 34.2 6.9 30.7 −10.0
Growth −69.8% +323.0% −25.8% +1.8% +39.4% +40.7% −80.0% +347.4% −132.5%
−67.8 −83.0 6.8 −131.9 −128.5 −452.6 −467.9 −206.1 −142.1 129.9
Financing
26.4 90.6 56.3 42.3 336.9 388.5 252.3 387.6 386.1 159.9
−4.9 −5.2 −5.6 −5.8 −6.2 −6.4 −6.9 −7.4 −5.1 −0.6

Lines marked calc are worked out here from filed figures; point at one for how. Capital expenditure, dividends and buybacks are shown as money out, so negative.