FIRST GUARANTY BANCSHARES INC (FGBI)
Financials · Regional Banks · NASDAQ
A Louisiana-based community-focused commercial bank undergoing a strategic refinement of its geographic footprint and balance sheet to restore profitability.
What FIRST GUARANTY BANCSHARES INC does
First Guaranty Bancshares, Inc. is a financial holding company that provides personalized commercial banking services through its subsidiary, First Guaranty Bank. The bank operates 30 facilities primarily across Louisiana, with additional presence in Kentucky and West Virginia, and focuses on commercial, residential real estate, agricultural, and consumer lending alongside a variety of deposit products. The company has recently focused on reducing balance sheet risk and improving asset quality, including the divestiture of its Texas-based banking operations.
Recent developments
On July 31, 2026, the company completed the sale of its Texas operations, consisting of five branches, to Armstrong Bank. The company has achieved three consecutive quarters of positive earnings as of the second quarter of 2026 and is working under a regulatory consent order.
From FIRST GUARANTY BANCSHARES INC's filing of 2026-08-14.
Themes: community banking, commercial real estate lending, digital banking services, balance sheet optimization
Fundamentals
- Price$8.29 as of 2026-10-20 close
- Market cap$137M as of 2026-08-13 (share count; price 2026-10-20)
- 1-year return+3.2% 2025-10-20 close $8.03 → 2026-10-20 close $8.29
- P/En/a negative earnings
- ROE-22.3% FY2025, SEC XBRL
- ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
- Debt / equityn/a No figure: its filing reports debt under a line we do not read, so a total would be understated.
- Beta0.57 as of 2026-09-03
- Last reported earnings2026-07-31 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +0.5%; 1-year non-decreasing per-share dividend streak (SEC XBRL).
How FGBI compares in its sector
- return on equitybottom 10% 558 covered Financials peers, as of 2026-09-03
- indicated dividend yieldbottom 10% 440 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)bottom 10% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Not assessable from available data. FGBI paid a dividend in FY2025, but coverage cannot be assessed from the available data (non_positive_net_income, non_positive_free_cash_flow).
- Earnings payoutnot assessable earnings were not positive that year
- Free-cash-flow payoutnot assessable free cash flow was not positive that year
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
Quarterly results
| Quarter | Net income | Operating cash flow | Capex |
|---|---|---|---|
| Q2 FY2026 2026-06-30 | $3M | -$709000† | $15M† |
| Q1 FY2026 2026-03-31 | $3M | $51M | $167000 |
| Q4 FY2025 2025-12-31 | $2M | -$25M† | $527000† |
| Q3 FY2025 2025-09-30 | -$45M | $29M† | $688000† |
| Q2 FY2025 2025-06-30 | -$7M | -$18M† | $273000† |
| Q1 FY2025 2025-03-31 | -$6M | $5M | $208000 |
| Q4 FY2024 2024-12-31 | $1M | $19M† | $290000† |
| Q3 FY2024 2024-09-30 | $2M | $5M† | -$138000† |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$782M includes restricted cash (the filer tags no unrestricted total)
- Total debtnot shown the filing reports its long-term debt in a form we do not read yet
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How FIRST GUARANTY BANCSHARES INC looks technically
FIRST GUARANTY BANCSHARES INC (FGBI) is trading 7.3% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 16 trading days ago — a "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 7, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 50, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive). It made a new 20-day high about 12 trading days ago. It is 24.7% below its highest point of the past year. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move. Trading volume is unusually light — only about 29% of its 30-day average.
Trend
7
| Distance from the 200-day | it is trading 7.3% below its 200-day average, the long-term trend line — a long-term downtrend | -7.3% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $8.35 | $8.35 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $8.94 | $8.94 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 15 calendar days ago — the swings before that are what the structure reading is measured on | 15 sessions |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 16 trading days ago — a "death cross", a bearish long-term signal | 16 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 7, below the 25 that marks a real trend) | 7.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 50, neither overbought (above 70) nor oversold (below 30) | 49.7 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($7.76 to $8.93) — its "stochastic" reading is 45 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 45.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive) | 2 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $11.02 | $11.02 |
|---|---|---|
| From the 52-week high | it is 24.7% below its 52-week high (its highest price of the past year) | -24.7% |
| Above the 52-week low | it is 92.3% above its 52-week low (its lowest price of the past year) | +92.3% |
| Below the 52-week high | it is 24.7% below its highest point of the past year | 24.7% |
| Since a 20-day breakout | it made a new 20-day high about 12 trading days ago | 12 sessions |
| Since a 55-day breakout | it made a new 55-day low about 20 trading days ago | 20 sessions |
| All-time high | its highest closing price on record is $29.65 (set on 2022-06-06) | $29.65 |
| Given back of the 52-week move | over the past year its closes ranged ($4.41 to $10.72), and it has given back roughly a third of its rise from last year’s low — 39% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $6.62 to $6.82. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 38.5% |
| From the all-time high | it is 72.0% below its all-time high | -72.0% |
| Nearest price level | it is sitting right on a support level at $8.26 — a price it turned at five times since 2025-09-19, most recently on 2026-08-12. Since 2024-10-21 it has 4 such levels below the current price and 9 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.4% |
| All-time low | its lowest closing price on record is $4.31 (set on 2025-12-05) | $4.31 |
| Above the all-time low | it is 92.3% above its all-time low | +92.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move | 4th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3325 between its high and its low — about 4.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.3325 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $7.75 and $8.68 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $7.75 – $8.21 – $8.68 |
| Typical daily range (% of price) | its price moves about 4.0% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.0% |
| Stretch from the 200-day average | it is trading 2.0 daily ranges below its 200-day average price (7.3% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.0 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 29% of its 30-day average | 0.29× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | 7 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 7 sessions ago |
|---|---|---|
| Since a bullish engulfing | 8 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 8 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-20 1.6% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +1.6% |
|---|---|---|
| Gap filled | a 2.8% gap up opened on 2026-10-12 has been "filled" 6 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 6 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 5.1 percentage points (the stock lost 4.2% while the market gained 1.0%) | -5.1% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 14.6 percentage points (the stock lost 11.0% while the market gained 3.6%) | -14.6% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 23.8 percentage points (the stock lost 15.3% while the market gained 8.5%) | -23.8% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 11.3 percentage points (the stock gained 3.2% while the market gained 14.6%) | -11.3% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: MACD momentum is positive — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.4% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thick, spanning 10.0% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | -2.4% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 11% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $9.30 — a volume-weighted average of daily closes over 200 sessions, not a true tick-by-tick VWAP. | -10.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-27 (its 8-K), so the typical buyer over that stretch is under water. That average is $8.54 — a volume-weighted average of daily closes over 61 sessions, not a true tick-by-tick VWAP. | -2.9% |
Price levels it has turned at before
FGBI last closed at $8.29 on 2026-10-20. Since 2024-10-21 it has turned at 4 prices below its last close and 9 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $8.26 | Support | 0.4% below the last close | turned there five times · 2025-09-19 to 2026-08-12 |
| $8.50 | Resistance | 2.5% above the last close | turned there four times · 2025-03-21 to 2025-08-15 |
| $8.05 | Support | 2.9% below the last close | turned there three times · 2025-09-18 to 2026-08-25 |
| $8.73 | Resistance | 5.3% above the last close | turned there five times · 2025-06-20 to 2026-09-08 |
| $7.84 | Support | 5.5% below the last close | turned there four times · 2025-08-06 to 2026-09-09 |
| $8.94 | Resistance | 7.9% above the last close | turned there six times · 2025-05-01 to 2026-10-05 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-20.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Trading below the 50-day moving average · Recent death cross (50-day crossed below 200-day) · Pulled back from the 12-month high · MACD just crossed bullish (12/26/9) · in a Bollinger Band volatility squeeze | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · bollinger bands · volume and relative volume
Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$9.00 range $9.00 – $9.00
Analyst estimates, as of 2026-10-16. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FGBI
- Consensus EPS estimate$0.12 next reporting period, as of 2026-10-09
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["High concentration of commercial real estate loans relative to total bank capital.","Subject to regulatory consent orders which may impact liquidity and operations.","Fluctuations in interest rates and economic conditions in primary market areas could negatively affect net interest margins and loan performance."]
What changed in the latest 10-Q
AI-assisted comparison of FGBI's 10-Q filed 2026-08-14 against the prior one filed 2026-05-13.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing adds risk factor 'our ability to comply with the requirements imposed by the regulatory consent order' to the forward-looking statements list (filed 2026-08-14).
- Newer filing adds announcement that First Guaranty completed the sale of the Bank's Texas operations, consisting of five branches and related deposits, loans and certain other assets, to Armstrong Bank, Muskogee, Oklahoma, completed on July 31, 2026 (filed 2026-08-14).
- Newer filing adds six-month results for the periods ended June 30, 2026 and 2025 (filed 2026-08-14).
- Newer filing adds second quarter results for the three months ended June 30, 2026 and 2025 (filed 2026-08-14).
- Newer filing adds six-month earnings per common share of $0.31 and $(1.15) and weighted average shares outstanding of 16,062,514 and 12,709,905 for the six months ended June 30, 2026 and 2025 (filed 2026-08-14).
- Newer filing adds six-month net interest income of $43.0 million and $44.5 million for the six months ended June 30, 2026 and 2025 (filed 2026-08-14).
- Newer filing adds six-month provision for credit losses of $5.3 million and $31.2 million for the six months ended June 30, 2026 and 2025 (filed 2026-08-14).
- Newer filing adds six-month charge-offs of $13.2 million and $8.0 million and recoveries of $1.5 million and $0.4 million for the six months ended June 30, 2026 and 2025 (filed 2026-08-14).
- Newer filing adds net interest margin of 2.22% for the six months ended June 30, 2026, a decrease of 13 basis points from 2025 (filed 2026-08-14).
- Removed:
- Older filing includes announcement of a purchase and assumption agreement to exit the Dallas-Fort Worth-Arlington and Waco, Texas markets, as announced in a Current Report on Form 8-K filed on March 10, 2026 (filed 2026-05-13).
- Older filing includes first quarter results for the three months ended March 31, 2026 and 2025 (filed 2026-05-13).
- Older filing includes first quarter net income of $2.7 million and $(6.2) million for the three months ended March 31, 2026 and 2025, an increase of $8.9 million (filed 2026-05-13).
- Older filing includes first quarter total assets of $4.0 billion, a decrease of $119.8 million compared to $4.1 billion at December 31, 2025, and related first quarter loan, deposit, retained earnings and shareholders' equity figures (filed 2026-05-13).
- Older filing includes first quarter earnings per common share of $0.14 and $(0.54) and weighted average shares outstanding of 15,796,040 and 12,506,792 for the three months ended March 31, 2026 and 2025 (filed 2026-05-13).
- Older filing includes first quarter net interest income of $20.7 million and $22.2 million for the three months ended March 31, 2026 and 2025 (filed 2026-05-13).
- Older filing includes first quarter provision for credit losses of $2.6 million and $14.5 million for the three months ended March 31, 2026 and 2025 (filed 2026-05-13).
- Older filing includes first quarter charge-offs of $5.4 million and $6.9 million and recoveries of $0.5 million and $0.2 million for the three months ended March 31, 2026 and 2025 (filed 2026-05-13).
- Older filing includes investment securities figures totaling $1.2 billion at March 31, 2026, an increase of $177.6 million from $999.3 million at December 31, 2025, including available for sale and held to maturity detail (filed 2026-05-13).
- Older filing includes total loans net of unearned income of $1.9 billion at March 31, 2026, a net decrease of $145.2 million from December 31, 2025, and allowance for credit losses of $38.5 million and $40.8 million (filed 2026-05-13).
- Older filing includes nonaccrual loans decreased $5.2 million to $54.4 million at March 31, 2026 compared to $59 million (filed 2026-05-13).
- Older filing includes net interest margin of 2.07% for the three months ended March 31, 2026, a decrease of 28 basis points from 2.35% in 2025 (filed 2026-05-13).
- Reworded:
- Financial data reference changed from March 31, 2026 and three months ended March 31, 2026 and 2025 in the older filing to June 30, 2026 and three and six months ended June 30, 2026 and 2025 in the newer filing.
- Section heading changed from 'First Quarter and Three Months Ended March 31, 2026, Financial Overview' in the older filing to 'Second Quarter and Six Months Ended June 30, 2026, Financial Overview' in the newer filing.
- The forward-looking statements list in the newer filing adds the regulatory consent order compliance risk factor not present in the older filing.
- The Texas operations announcement in the newer filing reflects completion of the sale on July 31, 2026, whereas the older filing described a pending purchase and assumption agreement to exit those markets.
- Comparative figures updated from first quarter 2026 vs 2025 in the older filing to second quarter and six months 2026 vs 2025 in the newer filing.
- The newer filing is truncated mid-sentence in the net interest margin bullet for the six months ended June 30, 2026.
- Notes:
- The newer filing text is truncated mid-sentence in the final bullet, so the remainder of the MD&A section is not available for comparison.
- Page number in the newer filing is -36- versus -33- in the older filing, reflecting a different document layout rather than a substantive change.
- Only the provided excerpt of each MD&A section was compared; changes outside this excerpt are not addressed.
Risk Factors
- Added:
- In the newer filing (2026-08-14), the Risk Factors section includes a discussion of the Consent Order's potential adverse effect on the Bank's sources of liquidity, including depositors, the Federal Home Loan Bank, deposit placement networks, brokered deposit sources, and other counterparties.
- In the newer filing (2026-08-14), the Risk Factors section includes liquidity data: cash and cash equivalents of $781.6 million at June 30, 2026 compared to $845.7 million at December 31, 2025.
- In the newer filing (2026-08-14), the Risk Factors section includes loans maturing within one year or less of $381.0 million at June 30, 2026 compared to $469.5 million at December 31, 2025.
- In the newer filing (2026-08-14), the Risk Factors section includes time deposit maturity data: $765.8 million maturing within one year at June 30, 2026 versus $977.0 million at December 31, 2025; $633.6 million maturing after one through three years versus $507.8 million; and $325.2 million maturing after three years versus $52.2 million.
- In the newer filing (2026-08-14), the Risk Factors section includes HTM securities portfolio data: $323.2 million, or 26.6% of the investment portfolio at June 30, 2026, compared to $322.7 million, or 32.3% at December 31, 2025.
- In the newer filing (2026-08-14), the Risk Factors section includes AFS securities portfolio data: $890.8 million, or 73.4% of the investment portfolio at June 30, 2026, compared to $676.6 million, or 67.7% at December 31, 2025.
- In the newer filing (2026-08-14), the Risk Factors section includes FHLB net borrowing capacity data: $73.8 million at June 30, 2026 versus $97.5 million at December 31, 2025, with $135.0 million in FHLB advances outstanding at both dates.
- In the newer filing (2026-08-14), the Risk Factors section includes federal funds lines of credit with borrowing capacity of $93.0 million at June 30, 2026.
- In the newer filing (2026-08-14), the Risk Factors section includes Federal Reserve Bank discount window line data: $59.9 million at June 30, 2026, a decrease of $49.3 million from $109.2 million at December 31, 2025, with no advances under this facility at June 30, 2026.
- In the newer filing (2026-08-14), the Risk Factors section includes a Capital Resources subsection: total shareholders' equity increased to $227.4 million at June 30, 2026 from $226.2 million at December 31, 2025, driven by increases in retained earnings, surplus, and common stock, partially offset by an increase in accumulated other comprehensive loss.
- In the newer filing (2026-08-14), the Risk Factors section includes a Regulatory Capital subsection describing risk-based capital regulations, capital conservation buffer levels (Bank: 8.21%, First Guaranty: 6.81% as of June 30, 2026), the impact of the Economic Growth, Regulatory Relief, and Consumer Protection Act, and the Community Bank Leverage Ratio rule finalized in April 2026 effective July 1, 2026.
- In the newer filing (2026-08-14), the Risk Factors section states that as of June 30, 2026, the Bank has not elected to follow the Community Bank Leverage Ratio.
- In the newer filing (2026-08-14), the Risk Factors section states that on January 1, 2024, First Guaranty ceased being considered a 'small bank holding company' and both the Bank and First Guaranty are required to maintain specified capital ratios.
- Removed:
- In the older filing (2026-05-13), the Risk Factors section stated: 'There have been no material changes to our risk factors as disclosed in First Guaranty's Annual Report on Form 10-K.' This statement is no longer present in the newer filing.
- Reworded:
- The older filing's Risk Factors section was a one-sentence incorporation by reference to the Annual Report on Form 10-K; the newer filing expands the Risk Factors section with detailed liquidity and capital discussions, representing a change in content and format.
- Notes:
- The newer filing text appears to be truncated, ending at 'At June 30, 2026, First Guaranty and the Bank each satisfied the minimum numerical'.
- The older filing's Risk Factors section is extremely brief and incorporates risk factors by reference, providing no substantive risk factor content for direct comparison.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
19 open-market purchases and 0 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 5 days since 2026-10-16 have not been checked yet.
- Last 30 days · read to 2026-10-161 buy ($822014) · 0 sells — 1 buying insider
- Last 90 days · read to 2026-10-1619 buys ($1M) · 0 sells — 3 buying insiders
- Last 180 days · read to 2026-10-1625 buys ($5M) · 0 sells — 4 buying insiders
Cluster buying: 4 different insiders reported open-market purchases (SEC code P) of FGBI within a 30-day window between 2025-12-11 and 2025-12-31. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-30. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FGBI's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding FGBI as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 527,642
- Reported value $5,313,356
reported quarterly holdings change (2026-03-31 → 2026-06-30): 1 new, 4 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
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Short interest (FINRA)
FGBI had 380,636 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
FGBI had 2.30% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 13.79 days to cover at the same settlement.
- Reported short interest (shares) 380,636
- Short interest (% of shares outstanding) 2.30%
- Prior settlement (shares) 347,795
- Reported change 9.44%
- Days to cover (reported) 13.79
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- BancorpSouth Bank (BXS)
- IberiaBank (IBKC)
- Hancock Whitney (HWC)
- Home BancShares (HOMB)
- Investar Holding (ISTR)
- Community Trust Bancorp (CTBI)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does FIRST GUARANTY BANCSHARES INC (FGBI) do?
First Guaranty Bancshares, Inc. is a financial holding company that provides personalized commercial banking services through its subsidiary, First Guaranty Bank. The bank operates 30 facilities primarily across Louisiana, with additional presence in Kentucky and West Virginia, and focuses on commercial, residential real estate, agricultural, and consumer lending alongside a variety of deposit products.
What sector is FIRST GUARANTY BANCSHARES INC (FGBI) in?
FIRST GUARANTY BANCSHARES INC (FGBI) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Does FGBI pay a dividend?
Yes — FIRST GUARANTY BANCSHARES INC (FGBI) pays a dividend, with an indicated yield of about 0.46% and 1-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are FIRST GUARANTY BANCSHARES INC's (FGBI) competitors?
Notable peers of FIRST GUARANTY BANCSHARES INC (FGBI) include BancorpSouth Bank, IberiaBank, Hancock Whitney, Home BancShares and Investar Holding. This peer set is informational only — not financial advice.
Is FIRST GUARANTY BANCSHARES INC (FGBI) overbought or oversold right now?
FIRST GUARANTY BANCSHARES INC (FGBI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 50, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FGBI come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.