FGBI (First Guaranty Bancshares) Net Loan: $1,676.40 Mil (As of Jun. 2026)

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FGBI First Guaranty Bancshares Inc FGBI
57 GF Score
Price $8.81
GF Value $6.85
Valuation Modestly Overvalued
! 3 Warning Signs
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What is First Guaranty Bancshares Net Loan?

First Guaranty Bancshares FGBI -3.63% 57 Net Loan is $1,676.40 Mil as of Jun. 2026. GuruFocus rates FGBI with a GF Score™ of 57/100 and a GF Value™ of $6.85 (Modestly Overvalued). The stock has 3 warning signs investors should review.

First Guaranty Bancshares's quarterly net loan declined from Dec. 2025 ($1,954.62 Mil) to Mar. 2026 ($1,821.64 Mil) and declined from Mar. 2026 ($1,821.64 Mil) to Jun. 2026 ($1,676.40 Mil).

First Guaranty Bancshares's annual net loan increased from Dec. 2023 ($2,434.32 Mil) to Dec. 2024 ($1,821.64 Mil) but then declined from Dec. 2024 ($1,821.64 Mil) to Dec. 2025 ($1,676.40 Mil).

First Guaranty Bancshares Net Loan Historical Data

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The historical data trend for First Guaranty Bancshares's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Guaranty Bancshares Net Loan Chart

First Guaranty Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,891.79 2,180.49 2,434.32 2,440.49 1,954.62

First Guaranty Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,194.53 2,099.90 1,954.62 1,821.64 1,676.40
FGBI
57GF Score
First Guaranty Bancshares Inc FGBI
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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First Guaranty Bancshares Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $1,676.40 Mil mean?
First Guaranty Bancshares (FGBI) has a Net Loan of $1,676.40 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on First Guaranty Bancshares and its competitors.
Is First Guaranty Bancshares' Net Loan too high?
First Guaranty Bancshares' current Net Loan is $1,676.40 Mil. Overall, First Guaranty Bancshares has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Guaranty Bancshares' Net Loan compare to TYCB and PBCO?
First Guaranty Bancshares' Net Loan of $1,676.40 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on First Guaranty Bancshares and its competitors. First Guaranty Bancshares's current Net Loan is $1,676.40 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Guaranty Bancshares stock overvalued right now?
Based on GuruFocus' analysis, First Guaranty Bancshares (FGBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $6.85, compared to a current price of $8.81 — trading 28.6% above its estimated fair value. The current Net Loan is $1,676.40 Mil. First Guaranty Bancshares' overall GF Score™ is 57/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For First Guaranty Bancshares (FGBI), the current Net Loan is $1,676.40 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Guaranty Bancshares (FGBI) Overvalued in 2026?

Based on GuruFocus' analysis, First Guaranty Bancshares stock appears to be overvalued. The current stock price of $8.81 is trading 28.6% above its estimated GF Value™ of $6.85. GuruFocus considers First Guaranty Bancshares to be Modestly Overvalued.

Key valuation signals for FGBI:

  • Net Loan: $1,676.40 Mil
  • GF Value™: $6.85 vs. price of $8.81 (28.6% above fair value)
  • GF Score™: 57/100 with 3 warning signs

No single metric tells the full story. See the FGBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Guaranty Bancshares Business Description

Other Exchanges FGBIP.PFD:USA
Address 400 East Thomas Street, Hammond, LA, USA, 70401
First Guaranty Bancshares Inc provides personalized commercial banking services to its customers in Louisiana through several banking facilities. The company offers commercial real estate loans, commercial and industrial loans, construction and land development loans, agricultural and farmland loans, and, to a lesser extent, consumer and multifamily loans. The company is engaged in a single line of business as a financial institution, which provides a full range of banking, financial, and trust services to state, county, and local government entities, individuals, and small and commercial businesses.
57GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.81
Price
$6.85
GF Value