First Guaranty Bancshares Inc. (FGBI) carries a Roarable Rating of D- (Sell) with 39/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, First Guaranty Bancshares Inc. (NASDAQ: FGBI) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 39/100 at a spot price of $10.27 (+7.09% 1D, market cap $158.6M). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, FGBI ranks #928 in composite RQD confidence.
Within the Financials sector (Savings Institutions), FGBI carries a Roarable D- (39/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -16.1%. By comparison, LSBK (Lake Shore Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 20.6x, ROIC 5.1%, cap $146.8M) and MGYR (Magyar Bancorp Inc.) posts a B grade (73/100 RQD, P/E 13.4x, ROIC 8.0%, cap $144.0M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).
Per FGBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001408534), First Guaranty Bancshares Inc. generated $129.4M in revenue (-92.2% YoY), -$56.0M in net income, and -$10.0M in free cash flow against $4.08B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±8.4% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9
Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment
While FGBI currently carries a cautious 39/100 (D-) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($8.45) and Max Pain ($10.78) forces dealer call-delta covering toward $11.57.
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
First Guaranty Bancshares Inc. (FGBI) surged +7.09% to $10.27, trading at 89% of its 52-week range ($4.31 – $11.02). Stretched risk/reward at current multiples (-16% return on capital) under elevated 10-year interest-rate pressure.
Yahoo Finance report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
kare11.com report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
TradingView report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
Investing.com India report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
Stock Traders Daily report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -92.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FGBI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FGBI. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, First Guaranty Bancshares Inc. (FGBI) ranks #928 by composite RQD confidence (39/100, grade D-) and #920 by equity capitalization ($158.6M). Within this direct 5-issuer industry benchmark cohort, MGYR leads on earnings valuation at 13.4x trailing P/E, while MGYR leads on capital efficiency and profitability with 8.0% ROIC and — gross margin. MGYR currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with FGBI at 39/100 (D-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FGBI
ACTIVE
First Guaranty Bancshares Inc. | D- | 39/100 | — | — | -16.1% | +7.09% | $158.6M | Benchmark Subject |
| LSBK Lake Shore Bancorp Inc. | C+ | 67/100 | 20.6x | — | 5.1% | +0.81% | $146.8M | /lsbk-vs-fgbi → |
| MGYR Magyar Bancorp Inc. | B | 73/100 | 13.4x | — | 8.0% | +1.17% | $144.0M | /mgyr-vs-fgbi → |
| BVFL BV Financial Inc. | C+ | 67/100 | 14.0x | — | 7.3% | +0.78% | $185.5M | /bvfl-vs-fgbi → |
| FNWD Finward Bancorp | C | 65/100 | 23.5x | — | 4.6% | +2.56% | $187.7M | /fnwd-vs-fgbi → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Guaranty Bancshares Inc. (FGBI) reported GAAP revenue of $129.4M (-92.2% vs. FY2024 revenue of $1.67B , and +56.8% cumulative change since FY2023) , GAAP net income of -$56.0M, operating cash flow of -$8.3M, and free cash flow of -$10.0M (-132.5% YoY). On the balance sheet, FGBI closed FY2025 with $4.08B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $129.4M | -$56.0M | -$8.3M | -$10.0M | $4.08B | — |
| FY2024 (FY) | 2024-12-31 | $1.67B | $12.4M | $33.7M | $30.7M | $3.97B | — |
| FY2023 (FY) | 2023-12-31 | $82.5M | $9.2M | $21.7M | $21.7M | — | — |
As of 2026-11-03, First Guaranty Bancshares Inc. (NASDAQ: FGBI) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 39/100 at a spot price of $10.27 (+7.09% 1D, market cap $158.6M). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, FGBI ranks #928 in composite RQD confidence.
Within the Financials sector (Savings Institutions), FGBI carries a Roarable D- (39/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -16.1%. By comparison, LSBK (Lake Shore Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 20.6x, ROIC 5.1%, cap $146.8M) and MGYR (Magyar Bancorp Inc.) posts a B grade (73/100 RQD, P/E 13.4x, ROIC 8.0%, cap $144.0M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).
Per FGBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001408534), First Guaranty Bancshares Inc. generated $129.4M in revenue (-92.2% YoY), -$56.0M in net income, and -$10.0M in free cash flow against $4.08B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
FGBI last traded at $10.27 (+7.09% on volume of 55,528 shares), positioning the stock +21.54% above its 50-day simple moving average ($8.45) and +13.61% above its 200-day simple moving average ($9.04). Across its 52-week range of $4.31 to $11.02, FGBI sits at the 88.8% percentile with a 14-day RSI of 64.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.4% ($9.41 to $11.13).
First Guaranty Bancshares Inc. (FGBI) earns a live Roarable RQD composite score of 39/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $10.27 (+7.09% 1D, market capitalization $158.6M).
. Is a NASDAQ-listed issuer in the Financials sector, Savings Institutions industry. — regarding specific products, customer segments, or revenue model beyond the sector and industry classification. The profile lists a market capitalization of $0.2B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Guaranty Bancshares Inc. (FGBI) reported $129.4M in annual revenue (up from $1.67B in FY2024, -92.2% YoY) and -$56.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($82.5M revenue, $9.2M net income) through FY2025, FGBI scaled operating cash flow to -$8.3M and free cash flow to -$10.0M, backed by $4.08B in total assets against $0 in total debt.
Operating in Savings Institutions (Financials), FGBI carries a macro regime beta of 1.00 and gross margin of —.
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Yahoo Finance report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
kare11.com report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
TradingView report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
Investing.com India report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
Stock Traders Daily report covering First Guaranty Bancshares Inc. (FGBI) market action, institutional positioning, and fundamental catalysts.
Don't sleep on FGBI's setup in Financials. The Texas sale contributed an estimated $17.6 million gain before taxes, and the stock trades at $9.77 near the middle of its $4.31–$11.02 52-week range.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (39/100) backs up the fundamental quality.
@AlphaFlow_Cap Agree on the RQD 39/100 quality, though with 1.0 beta I'm scaling in with half-size at $9.59 and keeping dry powder in case we test $8.92.
Fading this rally in FGBI at $9.59. Net income swung from $12.4M in FY 2024 to -$56.0M in FY 2025 while ROIC is -16.1% and the Piotroski F-Score is 1/9.. With a beta of 1.0 and the stock sitting at $9.59 (52-wk range $4.31–$11.02), the easy multiple expansion is already priced in.
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