MARKET WIREYahoo • 4d ago
First Guaranty Bancshares: Q3 Earnings Snapshot(AP) — First Guaranty Banchshares Inc. (FGBI) on Tuesday reported net income of $12 million in its third quarter.
Why FGBI Stock slipped -1.84% Today — RQD Quant Desk Flash
$9.59 -1.84% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $9.54
First Guaranty Bancshares Inc. (FGBI) carries a Roarable Rating of D- (Sell) with 40/100 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.
ROARABLE D- • RED ALERT
Cap $161.6M
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Is FGBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, First Guaranty Bancshares Inc. (NASDAQ: FGBI) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 40/100 at a spot price of $9.59 (-1.84% 1D, market cap $161.6M). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, FGBI ranks #935 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does FGBI compare to LSBK and BVFL in the Financials sector?
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Within the Financials sector (Savings Institutions), FGBI carries a Roarable D- (40/100 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 (68/100 RQD, P/E 20.6x, ROIC 5.1%, cap $149.5M) and BVFL (BV Financial Inc.) posts a C+ grade (69/100 RQD, P/E 14.0x, ROIC 7.3%, cap $189.1M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for FGBI?
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Per FGBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001408534), First Guaranty Bancshares Inc. generated $0 in revenue, -$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.
✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $9.54 (-0.52%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 4/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record Warning: Scores below 50 (40/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.4% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →RQD QUANT TACHOMETERRED ALERT • D-
3-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw D- · Rk D
Each axis scored 0–20
12M PRICE TARGET CONE-8.1% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FGBI)Realized 20D OHLCV Swing Band: ±8.8%
Deterministic 5-Pillar Attribution (40/100 Composite)
🔍 WHY FGBI SCORES 40/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (35% of score)
20D Institutional Volume Accumulation (±8.8% realized swing band)
▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (25% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9
▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)
Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade E$8.37-1.9% Next Q
32
Q2 (-2Q)Grade E$8.21+6.1% Next Q
35
Q3 (-1Q)Grade E$8.71+10.1% Next Q
37
CurrentGrade D-$9.59-7.4% Hist 90D α
40
Trajectory: E (32) → D- (40)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER
⚔️ Adversarial Opposing Case: What Could Spark a FGBI Turnaround Squeeze
While FGBI currently carries a cautious 40/100 (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.
🚀 Contrarian Squeeze Trigger #1
Established market leader in Financials with deep daily trading liquidity.
🚀 Contrarian Squeeze Trigger #2
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($8.43) and Max Pain ($10.07) forces dealer call-delta covering toward $11.57.
🚀 Contrarian Squeeze Trigger #3
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.
🎲 LIVE PREDICTION MARKET ODDS TIED TO $FGBI• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FGBI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why FGBI Stock slipped -1.84% Today — RQD Quant Desk Flash
First Guaranty Bancshares Inc. (FGBI) slipped -1.84% to $9.59, trading at 79% 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.
- ▸Technical Tape: Trading at 79% of its 52-week range ($4.31 – $11.02) with RSI-14 at 68.1 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±8.8% around $9.59 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D- (Sell) backed by 52% gross margin and $0 annual free cash flow.
Live FGBI Headlines & Catalysts
MARKET WIREYahoo • 5d ago
First Guaranty Bancshares Reports Third Quarter 2026 Results and Provides Strategic UpdateHAMMOND, La., Oct. 27, 2026 (GLOBE NEWSWIRE) -- First Guaranty Bancshares, Inc. ("First Guaranty") (NASDAQ: FGBI), the holding company for First Guaranty Bank, reported net income of $12.0 million, or $0.69 per common sh
MARKET WIREYahoo Finance • 97d ago
First Guaranty Bancshares (FGBI) Surpasses Q2 Earnings and Revenue EstimatesYahoo Finance coverage on FGBI stock catalysts, institutional flow, and earnings outlook.
CATALYSTYahoo Finance • 126d ago
First Guaranty Bancshares (FGBI) Surges 10.4%: Is This an Indication of Further Gains?Yahoo Finance coverage on FGBI stock catalysts, institutional flow, and earnings outlook.
MARKET WIREYahoo Finance • 184d ago
First Guaranty Bancshares Insiders Placed Bullish Bets Worth US$6.47mMultiple insiders secured a larger position in First Guaranty Bancshares, Inc. ( NASDAQ:FGBI ) shares over the last 12...
MARKET WIREYahoo Finance • 215d ago
First Guaranty Bancshares (FGBI) Q4 Earnings Surpass EstimatesYahoo Finance coverage on FGBI stock catalysts, institutional flow, and earnings outlook.
MARKET WIREYahoo Finance • 96d ago
First Guaranty Bancshares, Inc. Reports Second Quarter 2026 Net Income of $3.4 Million, and Earnings Per Share of $0.17HAMMOND, La., July 28, 2026 (GLOBE NEWSWIRE) -- First Guaranty Bancshares, Inc. ("First Guaranty") (NASDAQ: FGBI), the holding company for First Guaranty Bank, reported net income of $3.4 million, or $0.17 per common sha
CATALYSTYahoo Finance • 265d ago
With 52% ownership, insiders at First Guaranty Bancshares, Inc. (NASDAQ:FGBI) are pretty optimistic and have been buying recentlyKey Insights Significant insider control over First Guaranty Bancshares implies vested interests in company growth A...
RISK WATCHYahoo Finance • 277d ago
TowneBank (TOWN) Misses Q4 Earnings and Revenue EstimatesTowneBank (TOWN) delivered earnings and revenue surprises of -2.78% and -0.90%, respectively, for the quarter ended December 2025. Do the numbers hold clues to what lies ahead for the stock?
RISK WATCHYahoo Finance • 349d ago
First Guaranty Bancshares (FGBI) Reports Q3 Loss, Misses Revenue EstimatesYahoo Finance coverage on FGBI stock catalysts, institutional flow, and earnings outlook.
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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FGBI)
- ✓Walkthrough of FGBI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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FGBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.56%📐 HORIZONTAL RANGE
2026-11-02O $9.35H $9.77L $9.35C $9.59VOL 36.6K
RES: $10.88SUP: $7.28SMA50: $8.43SMA200: $9.03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
FGBI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
8.0%/yr Implied 5Y Growth
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on FGBI today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for FGBI. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FGBI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FGBI)
Financials Rank #935 of 1096
⚔️ LSBK vs FGBI Full Matrix →
1. Head-to-Head Financials Peer Comparison (FGBI vs. LSBK, BVFL, FNWD, MGYR)
Industry: Savings Institutions (33 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, First Guaranty Bancshares Inc. (FGBI) ranks #935 by composite RQD confidence (40/100, grade D-) and #918 by equity capitalization ($161.6M). 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. BVFL currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with FGBI at 40/100 (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- | 40/100 | — | — | -16.1% | -1.84% | $161.6M | Benchmark Subject |
| LSBK Lake Shore Bancorp Inc. | C+ | 68/100 | 20.6x | — | 5.1% | -1.84% | $149.5M | /lsbk-vs-fgbi → |
| BVFL BV Financial Inc. | C+ | 69/100 | 14.0x | — | 7.3% | -1.93% | $189.1M | /bvfl-vs-fgbi → |
| FNWD Finward Bancorp | C+ | 66/100 | 23.5x | — | 4.6% | -1.34% | $190.2M | /fnwd-vs-fgbi → |
| MGYR Magyar Bancorp Inc. | C+ | 68/100 | 13.4x | — | 8.0% | +10.18% | $130.7M | /mgyr-vs-fgbi → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001408534In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Guaranty Bancshares Inc. (FGBI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , 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 | $0 | -$56.0M | -$8.3M | -$10.0M | $4.08B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $12.4M | $33.7M | $30.7M | $3.97B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $9.2M | $21.7M | $21.7M | — | — |
3. FGBI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs FGBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, First Guaranty Bancshares Inc. (NASDAQ: FGBI) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 40/100 at a spot price of $9.59 (-1.84% 1D, market cap $161.6M). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, FGBI ranks #935 in composite RQD confidence.
How does FGBI compare to LSBK and BVFL in the Financials sector?
Within the Financials sector (Savings Institutions), FGBI carries a Roarable D- (40/100 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 (68/100 RQD, P/E 20.6x, ROIC 5.1%, cap $149.5M) and BVFL (BV Financial Inc.) posts a C+ grade (69/100 RQD, P/E 14.0x, ROIC 7.3%, cap $189.1M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).
What are the biggest fundamental strengths and SEC risk factors for FGBI?
Per FGBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001408534), First Guaranty Bancshares Inc. generated $0 in revenue, -$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.
Where is FGBI trading relative to its 50-day, 200-day, and 52-week technical levels?
FGBI last traded at $9.59 (-1.84% on volume of 35,145 shares), positioning the stock +13.76% above its 50-day simple moving average ($8.43) and +6.20% above its 200-day simple moving average ($9.03). Across its 52-week range of $4.31 to $11.02, FGBI sits at the 78.7% percentile with a 14-day RSI of 68.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.8% ($8.75 to $10.43).
FGBI Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is FGBI stock moving today?
Why FGBI Stock slipped -1.84% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-16% return on capital) under elevated 10-year interest-rate pressure.
ROARABLE RATING BRIEF • RQD 40/100 (D-)
✓ STAGE-C NUMBER FIREWALL VERIFIED
FGBI — First Guaranty Bancshares Inc.: What the Facts Mean to a Prospective Investor
Engine: Haiku 5.5 Dossier Pipeline
As of: 2026-11-02T15:01Z
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD 5-pillar rating engine, First Guaranty Bancshares Inc. (FGBI) carries a composite score of 40/100 (D- — Roarable Sell — Vulnerable Balance Sheet & Flow) at a current price of $9.59 (-1.84%). Fundamental cash generation scores 4/20 (ROIC -16.1%, FCF yield -6.17%), institutional 13F whale accumulation scores 14/20, insider conviction scores 3/20, macro regime alignment scores 9/20 (Beta 1.00), and forensic balance-sheet protection scores 10/20 (Altman Z-Score N/A, Piotroski F-Score 1/9).
Investor Implication: At current trailing P/E and current forward P/E within Savings Institutions, upside depends on sustained operating margin expansion (—) and free cash flow conversion relative to the 52-week range of $4.31 – $11.02.
Butterfly Effect: Supply-Chain, Sector & Catalyst Ripples
Operating in Savings Institutions (Financials), FGBI is sensitive to 2nd-order capital expenditure cycles, input cost spreads (gross margin —), and institutional positioning across its peer cohort. Prospective investors should monitor quarterly order backlog conversion, sector capex guidance, and Form 4 insider cluster activity (0 recent filings tracked).
Open Questions to Watch: (1) Margin trajectory vs. peer median; (2) FCF conversion sustainability over the next 4 quarters; (3) Institutional 13F rebalancing around upcoming earnings.
FGBI Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for First Guaranty Bancshares Inc. (FGBI) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE Yahoo • 4d ago
First Guaranty Bancshares: Q3 Earnings Snapshot (AP) — First Guaranty Banchshares Inc. (FGBI) on Tuesday reported net income of $12 million in its third quarter.
🟡 MARKET WIRE Yahoo • 5d ago
First Guaranty Bancshares Reports Third Quarter 2026 Results and Provides Strategic Update HAMMOND, La., Oct. 27, 2026 (GLOBE NEWSWIRE) -- First Guaranty Bancshares, Inc. ("First Guaranty") (NASDAQ: FGBI), the holding company for First Guaranty Bank, reported net income of $12.0 million, or $0.69 per common sh
🟡 MARKET WIRE Yahoo Finance • 97d ago
First Guaranty Bancshares (FGBI) Surpasses Q2 Earnings and Revenue Estimates Yahoo Finance coverage on FGBI stock catalysts, institutional flow, and earnings outlook.
🟢 CATALYST Yahoo Finance • 126d ago
First Guaranty Bancshares (FGBI) Surges 10.4%: Is This an Indication of Further Gains? Yahoo Finance coverage on FGBI stock catalysts, institutional flow, and earnings outlook.
🟡 MARKET WIRE Yahoo Finance • 184d ago
First Guaranty Bancshares Insiders Placed Bullish Bets Worth US$6.47m Multiple insiders secured a larger position in First Guaranty Bancshares, Inc. ( NASDAQ:FGBI ) shares over the last 12...
🟡 MARKET WIRE Yahoo Finance • 215d ago
First Guaranty Bancshares (FGBI) Q4 Earnings Surpass Estimates Yahoo Finance coverage on FGBI stock catalysts, institutional flow, and earnings outlook.
🟡 MARKET WIRE Yahoo Finance • 96d ago
First Guaranty Bancshares, Inc. Reports Second Quarter 2026 Net Income of $3.4 Million, and Earnings Per Share of $0.17 HAMMOND, La., July 28, 2026 (GLOBE NEWSWIRE) -- First Guaranty Bancshares, Inc. ("First Guaranty") (NASDAQ: FGBI), the holding company for First Guaranty Bank, reported net income of $3.4 million, or $0.17 per common sha
🟢 CATALYST Yahoo Finance • 265d ago
With 52% ownership, insiders at First Guaranty Bancshares, Inc. (NASDAQ:FGBI) are pretty optimistic and have been buying recently Key Insights Significant insider control over First Guaranty Bancshares implies vested interests in company growth A...
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
FGBI Bull vs. Bear Conversation Board — What's Your Call at $9.59?
🐂 33% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FGBI 🐻 67% BEARISH CONVICTION
RO RoarDesk_Moderator Roarable Research Desk 🐻 BEARISH
🎯 Target: $8.60 (-12.0%)
📌 Pinned Debate 🔥 Official Bull vs. Bear Debate: Is FGBI (D- • RQD 40/100) a Buy at $9.77?
Welcome to the FGBI (First Guaranty Bancshares Inc.) Roar Pit. Current RQD Composite is 40/100 (Roarable Sell — Vulnerable Balance Sheet & Flow) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH
🎯 Target: $8.21 (-16.0%)
Spot @ $9.77 Pump the brakes on FGBI — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on FGBI, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless First Guaranty Bancshares Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH
🎯 Target: $11.14 (+14.0%)
Spot @ $9.77 FGBI cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on FGBI, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $9.77 (52-wk range $4.31 - $11.02), any beat on forward guidance forces shorts and underweight funds to chase.