First Guaranty Bancshares
Provides commercial and consumer banking through First Guaranty Bank.
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Profile
Provides relationship-based commercial and consumer banking through First Guaranty Bank. The community-banking model serves markets in Louisiana, Texas, Kentucky, and West Virginia.
Operating through First Guaranty Bank, the holding company provides relationship-based commercial and consumer banking. Its single reportable segment is community banking, combining deposit services with commercial and consumer lending for business and household customers. The branch network provides a local presence through which the bank serves its markets.
Operations are concentrated in Louisiana and Texas, with additional markets in Kentucky and West Virginia. The company’s footprint grew through branch and deposit acquisitions that connected south Louisiana with north Louisiana and Texas operations. Credit quality and loan-portfolio risk management shape the business, alongside a stated focus on controlled asset growth and cost reductions.
Company facts
Categories
Key statistics
Year to date +62.6% · Average volume (30d) 20.1K
Analysts
Ratings
Target range
Latest analyst notes
No analyst notes in the last 24 months.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 28, 2026Q2 FY26 | $0.09 | $0.17 | +88.9% | $21.7M | $24.2M | +11.6% | −3.01% |
| Jul 27, 2026Q2 FY26 | $0.09 | $0.17 | +88.9% | $21.7M | $24.2M | +11.6% | +2.99% |
| Apr 27, 2026Q1 FY26 | $0.07 | $0.14 | +100.0% | $22.2M | $52.3M | +136.0% | +8.33% |
| Mar 31, 2026Q4 FY25 | −$0.29 | $0.13 | +144.8% | $31.2M | $53.1M | +70.2% | +8.50% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $56.5M | $56.0M | $55.0M | $53.1M | $52.3M | $28.6M | |
| Gross profit | $9.7M | $7.3M | −$24.2M | $19.7M | $20.7M | $21.6M | |
| Operating income | −$8.0M | −$9.5M | −$54.0M | $2.9M | $1.3M | $4.3M | |
| Net income | −$6.2M | −$7.3M | −$45.0M | $2.5M | $2.7M | $3.4M | |
| Diluted EPS | −$0.54 | −$0.61 | −$3.01 | $0.12 | $0.14 | $0.17 | |
| Gross margin | 17.1% | 13.0% | -44.1% | 37.1% | 39.6% | 75.4% | |
| Operating margin | -14.1% | -16.9% | -98.3% | 5.5% | 2.6% | 15.2% |
Fiscal years (4-quarter sums)FY21 $120.9M · FY22 $145.8M · FY23 $191.8M · FY24 $244.8M · FY25 $220.5M
Balance sheet, Jun 30, 2026Cash & short-term investments $1.99B · Total debt $186.3M · Total assets $3.90B · Shareholders' equity $227.4M
Dividends
Last cut to $0.01 from $0.08 in Dec 2024. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 26, 2026 | Jun 26 | Jun 30 | $0.01 | |
| Mar 27, 2026 | Mar 27 | Mar 31 | $0.01 | |
| Dec 26, 2025 | Dec 26 | Dec 31 | $0.01 | |
| Sep 23, 2025 | Sep 23 | Sep 30 | $0.01 | |
| Jun 23, 2025 | Jun 23 | Jun 30 | $0.01 | |
| Mar 27, 2025 | Mar 27 | Mar 31 | $0.01 | |
| Dec 27, 2024 | Dec 27 | Dec 31 | $0.01 | cut from $0.08 |
| Sep 20, 2024 | Sep 20 | Sep 30 | $0.08 | cut from $0.16 |
Ownership
Shares outstanding 16.54M · Float 4.16M · 25.2% free float
A Form 4 total here can count shares the filer formally disclaims — an award voted by proxy, for instance — which the holder's own Schedule 13D/G excludes, so where the two disagree the schedule's smaller figure is used.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Edgar R. III Smith · director, 10 percent owner: | 2.87M | 17.34% | Form 4 | Jul 1, 2026 |
| Betsy Kent Hood · director, 10 percent owner: | 2.53M | 15.28% | Form 4 | Apr 24, 2026 |
| Marshall T. Reynolds · director, 10 percent owner: | 2.04M | 12.36% | Form 4 | May 5, 2026 |
| Bruce McAnally · director | 444.8K | 2.69% | Form 4 | May 4, 2026 |
| Vanguard Capital Management LLC | 265.7K | 1.61% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 19, 2026 | Robert W. Walker | director | +3,593 | $19.12 |
| Aug 18, 2026 | Robert W. Walker | director | +8 | $18.95 |
| Aug 14, 2026 | Robert W. Walker | director | +1,601 | $19.22 |
| Aug 13, 2026 | Robert W. Walker | director | +5,500 | $8.40 |
| Jun 30, 2026 | Edgar R. III Smith | director, 10 percent owner: | +74,846 | $10.61 |
Peers
- Hancock Whitney
Gulf South commercial and consumer banking across Louisiana and Texas
- Business First Bancshares
Louisiana and Texas commercial and personal banking overlap
- Origin Bancorp
North Louisiana and Texas commercial banking and deposits overlap
- Home Bancorp
South Louisiana and Greater Houston community-banking overlap
- City
West Virginia and Kentucky community-banking services overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Guaranty Bancshares | $8.72 | −0.34% | $144.2M | — | 17.2 | 0.8 | +1.2% |
| Hancock Whitney | $75.07 | −0.03% | $6.09B | 14.7 | 10.8 | 3.1 | +7.8% |
| Business First Bancshares | $31.21 | 0.00% | $1.02B | 11.1 | 9.9 | 2.2 | +17.2% |
| Origin Bancorp | $53.25 | −0.05% | $1.65B | 16.6 | 12.5 | 2.7 | +27.0% |
| Home Bancorp | $69.44 | −0.12% | $546.4M | 11.6 | 11.4 | 2.6 | +7.2% |
| City | $143.46 | +0.03% | $2.02B | 15.7 | 15.2 | 5.3 | +7.7% |
| Median | 14.7 | 11.4 | 2.7 | +7.8% |