First Guaranty Bancshares, Inc. (FGBI)

From the record

First Guaranty Bancshares, Inc.'s filings since 2017 show 5 warning events of 2 kinds: an auditor change (8-K item 4.01, 3 times, the latest 2025-06-18); a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2025-11-10) (its current reports).

From the record

First Guaranty Bancshares, Inc.'s 10 filed years say what it did: revenue went from $59 million in fiscal 2016 to $213 million in fiscal 2025, up 15.5% a year; it rose in 8 of 9 years; the deepest fall was 4% from fiscal 2024 to fiscal 2025; net income was positive in 9 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, First Guaranty Bancshares, Inc.'s diluted share count grew about 9.3% a year, and dividends and buybacks returned about 28% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 41 purchases of their own stock on the open market in the year to 2026-11-09, buying about $9 million (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, First Guaranty Bancshares, Inc. lost about 25 cents for every dollar of shareholders' money. Leverage: it owed about 94 cents per dollar of assets, and net share issuance: its share count grew 11.9% over the year (the filed statements).

From the record

First Guaranty Bancshares, Inc.'s standing among 31 graded names in its industry family: revenue of $213 million in fiscal 2025 ranks in the top 24% by size; a net margin of -26.3% ranks in the bottom 8%; revenue growth of 16% a year over the last 3 filed years ranks in the top 50% (its annual reports).

From the record

First Guaranty Bancshares, Inc.'s leadership, from its insiders' filings and its current reports: no one files under a chief executive's title, so that part is not read; the 6 officers and directors filing in the last fifteen months have been on the record a median of 9.2 years (top 40%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 6 people in charge now (bottom 5%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

First Guaranty Bancshares, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $846 million against debt of $179 million leaves 16.3% of its assets as net cash, top 2% of its family; cash from operations less capital spending is -4.7% of revenue (bottom 2%) (its annual report).

From the record

First Guaranty Bancshares, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 16% a year over the last three filed years against 15.5% over all 10, speeding up (bottom 35% of its family); the newest year grew -3.8% (bottom 12%); capital spending grew -13.7% a year (bottom 26%) (its annual reports). First Guaranty Bancshares, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

First Guaranty Bancshares, Inc.'s newest year against its own record: revenue of $213 million in fiscal 2025 came in 24.5% below the $282 million its prior three years' pace pointed to (bottom 16% of its family); net income of $56 million against a prior three-year average of $17 million (bottom 5%); a net margin of -26.3% against 10.6% before (bottom 9%) (its annual reports).