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First Guaranty BancsharesFGBI +0.10%55 FCF Yield % is 22.24 as of Aug. 02, 2026, which is 119% above its 10-year median of 10.15. GuruFocus rates FGBI with a GF Score™ of 55/100 and a GF Value™ of $7.11 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,502 Banks companies, First Guaranty Bancshares ranks better than 78.63% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
First Guaranty Bancshares FCF Yield % Related Terms
First Guaranty Bancshares FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, First Guaranty Bancshares's FCF Yield % distribution charts can be found below:
* The bar in red indicates where First Guaranty Bancshares's FCF Yield % falls into.
* 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 FCF Yield % of 22.24 as of Aug. 02, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on First Guaranty Bancshares and its competitors. This is 119% above median its historical median of 10.15. According to the industry distribution chart, First Guaranty Bancshares ranks #321 out of 1502 companies in the Banks industry, placing it in the top 21.4%.
Is First Guaranty Bancshares' FCF Yield % too high?
First Guaranty Bancshares' current FCF Yield % of 22.24 is 119% above median its 10-year median of 10.15. The Banks industry median FCF Yield % is 7.92. First Guaranty Bancshares' value of 22.24 is 181% above this industry median. Based on the distribution chart, First Guaranty Bancshares ranks #321 out of 1502 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' FCF Yield % compare to TYCB and PBCO?
According to the Banks industry distribution chart, First Guaranty Bancshares ranks #321 out of 1502 companies for FCF Yield %. This places First Guaranty Bancshares in the top 21% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 7.92. First Guaranty Bancshares' value of 22.24 is 181% above this benchmark. While the company's 10-year median is 10.15 vs. the industry median of 7.92, First Guaranty Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 7.92, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Guaranty Bancshares's current FCF Yield % of 22.24 is 181% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on First Guaranty Bancshares and its competitors. For the Banks industry, the median FCF Yield % is 7.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Guaranty Bancshares's current FCF Yield % is 22.24, which is 119% above median its own 10-year median of 10.15. 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 FCF Yield % is 22.24, which is 119% above median its 10-year median of 10.15 and 181% above the Banks industry median of 7.92. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For First Guaranty Bancshares (FGBI), the current FCF Yield % is 22.24 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:
FCF Yield %: 22.24 (119% above median its 10-year median of 10.15)
GF Value™: $7.11 vs. price of $9.59 (34.9% above fair value)
Industry Position: 181% above the Banks median (#321 of 1502)
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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