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FGBI

First Guaranty Bancshares, Inc.

Financial Services · $132M market cap

Verdict

Share price

$8.31

close of Oct 3, 2026

Fair value

$4.80

Sticker Price

Payback Price

$1.92

buy price

Overpriced

FGBI is Overpriced: at $8.31 it trades 73% above its fair value of $4.80. Its buy price (Payback Price) is $1.92, 77% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth8.1% a year✗
Equity per share growth5.1% a year✗
Sales growth7.5% a year✗
Free cash flow growth1.8% a year✗
Return on invested capital1.0%✗

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Insider activity

Since Jun 22, 2026: 15 open-market purchases worth $1.1M and 2 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

WALKER ROBERT W

director · 2026-09-10

Bought

$47K

WALKER ROBERT W

director · 2026-09-10

Bought

$45K

McAnally Bruce

director · 2026-09-09

Bought

$5K

McAnally Bruce

director · 2026-09-08

Bought

$9K

McAnally Bruce

director · 2026-09-03

Bought

$4K

McAnally Bruce

director · 2026-09-02

Bought

$4K

McAnally Bruce

director · 2026-08-31

Bought

$4K

WALKER ROBERT W

director · 2026-08-19

Bought

$69K

WALKER ROBERT W

director · 2026-08-18

Bought

$152

WALKER ROBERT W

director · 2026-08-14

Bought

$31K

WALKER ROBERT W

director · 2026-08-13

Bought

$46K

McAnally Bruce

director · 2026-07-24

Bought

$4K

McAnally Bruce

director · 2026-07-16

Bought

$20

Smith Edgar R. III

director · 2026-06-30

Bought

$794K

McAnally Bruce

director · 2026-06-22

Bought

$4K

Other filings

Dosch Eric

SVP and CFO · 2026-08-28

L-Small

$868

Dosch Eric

SVP and CFO · 2026-08-27

L-Small

$816

About First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc. functions as the parent company for First Guaranty Bank, a financial institution delivering commercial banking services primarily across Louisiana and Texas. The bank offers a comprehensive suite of deposit products, including various checking accounts for personal and business use, savings accounts, money market accounts, demand deposits, and certificates of deposit (time deposits)…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works