First Guaranty Bancshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from First Guaranty Bancshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 95% of Financial Services companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $99 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 91% of Financial Services companies in United States.
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 14%
Sales fell 14% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-14% / +29%In 3 years sales changed by -14% while total assets changed by +29%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 95% of Financial Services companies in United States.
Tangible Net Worth Ratio
99%Of every $100 of net worth, $99 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 91% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
First Guaranty Bancshares, Inc. made a loss over the last year. First Guaranty Bancshares, Inc. owes $0.94 for every $1 it owns. First Guaranty Bancshares, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
LossFirst Guaranty Bancshares, Inc. made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
0.61The share price is 0.61 times First Guaranty Bancshares, Inc.'s book value per share, lower than 93% of Financial Services companies in United States.
Market cap
$140 MThe total market value of all of First Guaranty Bancshares, Inc.'s shares at today's price (share price × number of shares), smaller than 87% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$227 MWhat First Guaranty Bancshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$13.75Net worth divided by the number of shares. The share price of $8.44 is 0.6 times this, which is the P/B above.
Return on equity (ROE)
-14.8%First Guaranty Bancshares, Inc. lost 14.8% of its shareholders' money over the last year, lower than 91% of Financial Services companies in United States.
Owes vs Owns
0.94×First Guaranty Bancshares, Inc. owes $0.94 for every $1 it owns (high), higher than 94% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
0.49%First Guaranty Bancshares, Inc. pays 0.49% of its share price as dividends a year, lower than 96% of dividend-paying Financial Services companies in United States.
Revenue growth
-16%Revenue fell 16% in the year to Dec 2025, and shrank 5% a year on average over 3 years.
Profit growth
LossFirst Guaranty Bancshares, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-59.8%First Guaranty Bancshares, Inc. lost $60 for every $100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For First Guaranty Bancshares, Inc.: $140 M ÷ $227 M (30 Jun 2026) = 0.6.
What is First Guaranty Bancshares, Inc.'s return on equity?
First Guaranty Bancshares, Inc. lost 14.8% of its shareholders' money over the last year, lower than 91% of Financial Services companies in United States.
How much does First Guaranty Bancshares, Inc. owe compared with what it owns?
First Guaranty Bancshares, Inc. owes $0.94 for every $1 it owns (high), higher than 94% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does First Guaranty Bancshares, Inc. pay a dividend?
Yes. First Guaranty Bancshares, Inc. pays 0.49% of its share price as dividends a year, lower than 96% of dividend-paying Financial Services companies in United States.
Is First Guaranty Bancshares, Inc.'s revenue growing?
Revenue fell 16% in the year to Dec 2025, and shrank 5% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.