Market Price

23.80 

-0.40 -1.7%

as of Aug 10 '22

52 Week Range:

15.40 27.60


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities. The company also 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, remote deposit capture, and lockbox services to business customers; and invests a portion of its assets in securities issued by the United States Government and its agencies, state and municipal obligations, corporate debt securities, mutual funds, and equity securities, as well as invests in mortgage-backed securities primarily issued or guaranteed by United States Government agencies or enterprises. The company operates through 36 banking facilities primarily located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, Alexandria, Dallas-Fort Worth-Arlington, Waco, Kentucky, and West Virginia. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 11.22
11.69
13.52
14.08
18.00
growth rate 4.2% 15.7% 4.1% 27.8%
Avg.PE 12.47
11.68
11.84
7.02
7.02
growth rate -6.3% 1.4% -40.7% 0.0%
ROA 0.49
0.73
0.59
0.73
0.95
0.95
0.72
0.80
0.72
0.89
0.97
growth rate 49.0% -19.2% 23.7% 30.1% 0.0% -24.2% 11.1% -10.0% 23.6% 9.0%
ROE 7.38
11.09
9.44
11.76
12.93
11.62
8.76
9.76
9.09
11.79
12.88
growth rate 50.3% -14.9% 24.6% 10.0% -10.1% -24.6% 11.4% -6.9% 29.7% 9.3%
Leverage 15.53
14.85
17.11
15.17
12.35
12.07
12.16
12.34
12.75
13.85
12.86
growth rate -4.4% 15.2% -11.3% -18.6% -2.3% 0.8% 1.5% 3.3% 8.6% -7.2%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Payable 1,371.84
1,295.87
1,326.18
1,549.29
1,629.62
1,853.01
2,166.32
2,596.49
growth rate -5.5% 2.3% 16.8% 5.2% 13.7% 16.9% 19.9%
Cur.Assets 63.40
45.86
25.51
48.60
136.16
80.72
313.78
276.05
growth rate -27.7% -44.4% 90.5% 180.2% -40.7% 288.7% -12.0%
Total Assets 1,518.88
1,459.75
1,500.95
1,750.43
1,817.21
2,117.22
2,473.08
2,878.12
growth rate -3.9% 2.8% 16.6% 3.8% 16.5% 16.8% 16.4%
Cash 44.58
37.27
18.11
38.03
127.97
67.43
299.61
261.93
growth rate -16.4% -51.4% 110.0% 236.5% -47.3% 344.4% -12.6%
Inventory 2.20
1.58
0.36
1.28
1.14
4.88
2.24
2.07
growth rate -28.3% -77.2% 256.8% -11.2% 328.7% -54.1% -7.5%
Cur.Liabilities 1,375.64
1,299.38
1,334.61
1,567.27
1,633.57
1,872.14
2,221.61
2,600.97
growth rate -5.5% 2.7% 17.4% 4.2% 14.6% 18.7% 17.1%
Liabilities 1,379.29
1,341.53
1,376.60
1,606.45
1,669.93
1,951.18
2,294.49
2,654.23
growth rate -2.7% 2.6% 16.7% 4.0% 16.8% 17.6% 15.7%
LT Debt 1.46
40.42
36.73
37.44
34.54
73.67
66.63
49.64
growth rate 2,678.1% -9.1% 1.9% -7.8% 113.3% -9.6% -25.5%
Equity 100.15
118.22
124.35
143.98
147.28
166.04
178.59
190.83
growth rate 18.1% 5.2% 15.8% 2.3% 12.7% 7.6% 6.9%
Common Shares 9.00
9.00
9.00
9.00
9.00
10.00
11.00
9.69
9.74
10.72
10.72
growth rate 0.0% 0.0% 0.0% 0.0% 11.1% 10.0% -11.9% 0.6% 10.0% 0.0%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 1.67
4.40
4.11
6.81
3.79
11.93
6.31
2.20
growth rate 163.8% -6.6% 65.8% -44.4% 215.1% -47.1% -65.1%
Cash Dividends 4.42
4.63
4.87
5.21
5.64
5.80
6.23
7.78
growth rate 4.8% 5.2% 7.0% 8.2% 3.0% 7.4% 24.8%
Cash From OA 16.79
17.22
22.21
12.28
26.89
29.08
23.76
26.52
growth rate 2.5% 29.0% -44.7% 119.1% 8.1% -18.3% 11.6%
FCF per Share 0.61
1.60
1.54
1.05
1.18
growth rate 162.3% -3.8% -31.8% 12.4%
FCF 16.00
15.00
15.00
15.00
13.00
18.00
5.00
23.00
17.00
17.00
24.00
growth rate -6.3% 0.0% 0.0% -13.3% 38.5% -72.2% 360.0% -26.1% 0.0% 41.2%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 48.31
52.56
54.14
57.67
60.95
65.12
83.57
98.32
growth rate 8.8% 3.0% 6.5% 5.7% 6.8% 28.3% 17.7%
Op.Income 16.72
21.47
21.26
19.15
17.68
17.90
25.54
34.46
growth rate 28.4% -1.0% -9.9% -7.7% 1.3% 42.7% 34.9%
IBT 16.72
21.47
21.26
19.15
17.68
17.90
25.54
34.46
growth rate 28.4% -1.0% -9.9% -7.7% 1.3% 42.7% 34.9%
Net Income 11.22
14.51
14.09
11.75
14.21
14.24
20.32
27.30
growth rate 29.2% -2.8% -16.6% 21.0% 0.2% 42.7% 34.4%
EPS 0.67
1.09
0.92
1.18
1.51
1.39
1.10
1.34
1.34
1.90
2.42
growth rate 62.7% -15.6% 28.3% 28.0% -8.0% -20.9% 21.8% 0.0% 41.8% 27.4%
Gross Profit 48.31
52.56
54.14
57.67
60.95
65.12
83.57
98.32
growth rate 8.8% 3.0% 6.5% 5.7% 6.8% 28.3% 17.7%

Quarterly Statements

Item Name Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Balance Sheet
Acct.Payable 2,420.73
2,544.37
2,596.49
2,623.94
2,660.06
growth rate 5.1% 2.1% 1.1% 1.4%
Cur.Assets 144.98
286.41
276.05
147.18
134.39
growth rate 97.5% -3.6% -46.7% -8.7%
Total Assets 2,745.05
2,824.50
2,878.12
2,910.12
2,959.36
growth rate 2.9% 1.9% 1.1% 1.7%
Cash 130.59
269.78
261.93
132.74
120.40
growth rate 106.6% -2.9% -49.3% -9.3%
Inventory 2.02
2.53
2.07
1.85
1.63
growth rate 25.3% -18.1% -10.5% -11.9%
Cur.Liabilities 2,480.31
2,554.76
2,600.97
2,637.52
2,683.20
growth rate 3.0% 1.8% 1.4% 1.7%
Liabilities 2,530.71
2,605.42
2,654.23
2,688.37
2,732.82
growth rate 3.0% 1.9% 1.3% 1.7%
LT Debt 44.88
44.04
49.64
45.29
44.91
growth rate -1.9% 12.7% -8.8% -0.8%
Equity 181.28
186.03
190.83
188.69
193.48
growth rate 2.6% 2.6% -1.1% 2.5%
Common Shares 9.74
9.74
10.72
10.72
10.72
growth rate 0.0% 10.0% 0.0% 0.0%
Cash Flow Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Capital Expenditures 0.77
0.25
0.18
0.53
growth rate -68.1% -27.6% 199.4%
Cash Dividends 1.78
2.14
2.30
2.30
growth rate 20.5% 7.3% 0.0%
Cash From OA -6.32
11.31
17.59
8.33
growth rate 100.0% 55.6% -52.7%
FCF -7.09
11.06
17.41
7.79
growth rate 100.0% 57.4% -55.2%
Income Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Sales 24.15
25.59
27.27
26.31
28.08
growth rate 6.0% 6.6% -3.5% 6.7%
Op.Income 8.12
9.84
10.16
9.56
10.26
growth rate 21.1% 3.3% -5.9% 7.3%
IBT 8.12
9.84
10.16
9.56
10.26
growth rate 21.1% 3.3% -5.9% 7.3%
Net Income 6.43
7.79
8.05
7.59
8.12
growth rate 21.1% 3.3% -5.8% 7.1%
Gross Profit 24.15
25.59
27.27
26.31
28.08
growth rate 6.0% 6.6% -3.5% 6.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (63.45)

YOY Growth Grade:

D (37.52)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.53 11.73 10.09
EPS / Growth -2.1% 2.03

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 4.6% 4.6%
Future PE 2.00 10.27 10.27
Future EPS 2.24 3.18 3.18
Value Price
MOS %
1.11
-95.3%
8.06
-66.1%
8.06
-66.1%
MOS Price 0.55 4.03 4.03
IRT 11.04 9.25 9.25

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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