FGBI Valuation

First Guaranty Bancshares Inc

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5.786

+0.086(1.509%)1D

FGBI Relative Valuation

FGBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, FGBI is overvalued; if below, it's undervalued.

Historical Valuation

First Guaranty Bancshares Inc (FGBI) is now in the Overvalued zone, suggesting that its current forward PS ratio of 5.79 is considered Overvalued compared with the five-year average of 30.55. The fair price of First Guaranty Bancshares Inc (FGBI) is between 3.73 to 5.33 according to relative valuation methord. Compared to the current price of 5.79 USD , First Guaranty Bancshares Inc is Overvalued By 8.55%.

Relative Value

Fair Zone

3.73-5.33

Current Price：5.79

8.55%

Overvalued

-115.73

Trailing

Forward

0.00

EV/EBITDA

First Guaranty Bancshares Inc. (FGBI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

First Guaranty Bancshares Inc. (FGBI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

5.79

First Guaranty Bancshares Inc. (FGBI) has a current PS of 5.79. The 5-year average PS is 1.36. The thresholds are as follows: Strongly Undervalued below -0.64, Undervalued between -0.64 and 0.36, Fairly Valued between 2.36 and 0.36, Overvalued between 2.36 and 3.36, and Strongly Overvalued above 3.36. The current Forward PS of 5.79 falls within the Strongly Overvalued range.

0.00

P/OCF

First Guaranty Bancshares Inc. (FGBI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

First Guaranty Bancshares Inc. (FGBI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

First Guaranty Bancshares Inc (FGBI) has a current Price-to-Book (P/B) ratio of 0.47. Compared to its 3-year average P/B ratio of 0.67 , the current P/B ratio is approximately -29.47% higher. Relative to its 5-year average P/B ratio of 0.86, the current P/B ratio is about -45.19% higher. First Guaranty Bancshares Inc (FGBI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 13.71%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 12.53% , the current FCF yield is about -100.00% lower.

0.47

P/B

Median3y

0.67

Median5y

0.86

0.00

FCF Yield

Median3y

13.71

Median5y

12.53

Competitors Valuation Multiple

The average P/S ratio for FGBI's competitors is 14.97, providing a benchmark for relative valuation. First Guaranty Bancshares Inc Corp (FGBI) exhibits a P/S ratio of 5.79, which is -61.33% above the industry average. Given its robust revenue growth of 9.03%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

FGBI.O

First Guaranty Bancshares Inc

Pathfinder Bancorp Inc (MARYLAND)

Winchester Bancorp Inc

Auburn National Bancorporation Inc

Rhinebeck Bancorp Inc

9.70

23.99%

108.11M

Performance Decomposition

Market capitalization of FGBI decreased by 59.53% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -0.57 to -1.28.

The secondary factor is the Revenue Growth, contributed 9.03%to the performance.

Overall, the performance of FGBI in the past 1 year is driven by P/E Change. Which is more unsustainable.

9.03%

20.94M → 22.83M

Revenue Growth

-193.02%

34.39 → -31.99

Margin Expansion

124.46%

-0.57 → -1.28

P/E Change

-59.53%