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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Guaranty Bancshares's Enterprise Value is $-410.56 Mil.
First Guaranty Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $35.27 Mil. Therefore, First Guaranty Bancshares's EV-to-FCF for today is -11.64.
The historical rank and industry rank for First Guaranty Bancshares's EV-to-FCF or its related term are showing as below:
FGBI'
s EV-to-FCF Range Over the Past 10 Years
Min: -39.07 Med: 6.55 Max: 95.75
Current: -11.64
During the past 13 years, the highest EV-to-FCF of First Guaranty Bancshares was 95.75. The lowest was -39.07. And the median was 6.55.
FGBI's EV-to-FCF is ranked better than 98.17% of 1200
companies
in the Banks industry
Industry Median: 7.22
vs FGBI: -11.64
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Guaranty Bancshares (NAS:FGBI) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Guaranty Bancshares's PE Ratio (TTM) for today is calculated as:
First Guaranty Bancshares's share price for today is $9.59.
First Guaranty Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-2.580.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Guaranty Bancshares EV-to-FCF Related Terms
First Guaranty Bancshares EV-to-FCF Historical Data
* 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.
For the Banks - Regional subindustry, First Guaranty Bancshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Guaranty Bancshares EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Guaranty Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Guaranty Bancshares's EV-to-FCF falls into.
First Guaranty Bancshares's current Enterprise Value is $-410.56 Mil.
First Guaranty Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $35.27 Mil.
* 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 (FGBI) has a EV-to-FCF of -11.64 as of Aug. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Guaranty Bancshares and its competitors. According to the industry distribution chart, First Guaranty Bancshares ranks #22 out of 1200 companies in the Banks industry, placing it in the top 1.8%.
Is First Guaranty Bancshares' EV-to-FCF too high?
First Guaranty Bancshares' current EV-to-FCF is -11.64. Based on the distribution chart, First Guaranty Bancshares ranks #22 out of 1200 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Guaranty Bancshares has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Guaranty Bancshares' EV-to-FCF compare to TYCB and PBCO?
According to the Banks industry distribution chart, First Guaranty Bancshares ranks #22 out of 1200 companies for EV-to-FCF. This places First Guaranty Bancshares in the top 2% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 7.22. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.22, based on 1,200 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Guaranty Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 7.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Guaranty Bancshares's current EV-to-FCF is -11.64. 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 Significantly Overvalued. The stock's GF Value™ is $7.11, compared to a current price of $9.59 — trading 34.9% above its estimated fair value. The current EV-to-FCF is -11.64. First Guaranty Bancshares' overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Guaranty Bancshares (FGBI), the current EV-to-FCF is -11.64 as of Aug. 02, 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 $9.59 is trading 34.9% above its estimated GF Value™ of $7.11.
GuruFocus considers First Guaranty Bancshares to be Significantly Overvalued.
Key valuation signals for FGBI:
EV-to-FCF: -11.64
GF Value™: $7.11 vs. price of $9.59 (34.9% above fair value)
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 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.
55GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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