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First Guaranty Bancshares, Inc (FGBI) Fair Value & Analysis

Financial Services · US · Market cap $175M

Price$9.71
Fair Value$9.21
Upside-5.1%
Quality95/100
Evidence: Low Range $6.87 – $13.74

Fair value as of: Jun 26, 2026

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Analysis

First Guaranty Bancshares, Inc (FGBI) currently trades at $9.71, while our model-based Fair Value estimate is $9.21 — implying the stock looks roughly 5.1% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It offers various deposit products, such as personal and business checking, savings, money market, and demand deposits accounts, as well as time deposits to consumers, small businesses, and municipalities. The company provides loans, such as non-farm, non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, multifamily loans, construction and land development loans, agricultural loans, farmland loans, and consumer and other loans to small to medium-sized businesses and professionals, and individuals. In addition, it offers a range of consumer services, including credit cards, mobile deposit capture, safe deposit boxes, official checks, online and mobile banking, automated teller machines, and online bill pay; provides additional solutions, such as merchant services, remot…

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Frequently asked questions

Is First Guaranty Bancshares, Inc (FGBI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $9.21 versus a price of $9.71 — about −5% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FGBI?
Our 21-model fair value for First Guaranty Bancshares, Inc is $9.21 (as of Jun 26, 2026), built from audited fundamentals. The current price is $9.71.
What is the quality score of FGBI?
First Guaranty Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.