(FGBI) First Guaranty Bancshares - Ratings and Ratios

First Guaranty Bancshares, Inc. serves as the holding company for First Guaranty Bank, a regional financial institution with operations primarily in Louisiana and Texas. The bank offers a comprehensive suite of commercial banking services, including deposit products such as personal and business checking accounts, savings accounts, money market accounts, and time deposits. These services cater to individuals, small businesses, and municipalities, providing flexible financial solutions tailored to diverse needs. In addition to deposit services, the bank specializes in a wide array of loan products, including commercial and industrial loans, real estate-backed loans, agricultural loans, and consumer loans, targeting small to medium-sized businesses and individuals. The bank also provides a range of consumer services, including credit cards, mobile banking, online bill pay, and ATM services, enhancing customer convenience and financial management capabilities. Furthermore, First Guaranty Bank offers specialized services for business customers, such as merchant services, remote deposit capture, and lockbox services, streamlining operational efficiency for its corporate clients. The bank also maintains a diversified investment portfolio, including government securities, municipal bonds, corporate debt, and mortgage-backed securities, ensuring a balanced approach to asset management. Established in 1934, First Guaranty Bancshares, Inc. is headquartered in Hammond, Louisiana, and has built a reputation for stability and community-focused banking.

As of the latest data, First Guaranty Bancshares, Inc. (NASDAQ:FGBI) is categorized under the Regional Banks sub-industry, with a market capitalization of approximately $106.79 million. The stock is currently trading at $8.03, with a 20-day average volume of 12,076 shares. Key technical indicators include a 20-day simple moving average (SMA) of $9.44, a 50-day SMA of $10.31, and a 200-day SMA of $10.57, signaling a recent downtrend in the stock price. The average true range (ATR) of 0.34 reflects relatively low volatility in the stocks price movements. From a fundamental perspective, the company’s price-to-earnings (P/E) ratio stands at 10.54, with a forward P/E of 11.72, indicating moderate valuation relative to earnings expectations. The price-to-book (P/B) ratio of 0.48 suggests that the stock may be undervalued compared to its book value. Additionally, the price-to-sales (P/S) ratio of 1.15 and a return on equity (RoE) of 4.97% provide further insight into the company’s financial health and profitability metrics.