First Guaranty Bancshares (FRA:1GJ) Scaled Net Operating Assets: -0.29 (As of Mar. 2026)

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FRA:1GJ First Guaranty Bancshares Inc FRA:1GJ
55 GF Score
Price €8.15
GF Value €6.04
! 5 Warning Signs
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What is First Guaranty Bancshares Scaled Net Operating Assets?

First Guaranty Bancshares FRA:1GJ +2.52% 55 Scaled Net Operating Assets is -0.29 as of Mar. 2026. GuruFocus rates FRA:1GJ with a GF Score™ of 55/100 and a GF Value™ of €6.04. The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Guaranty Bancshares's operating assets for the quarter that ended in Mar. 2026 was €2,051.05 Mil. First Guaranty Bancshares's operating liabilities for the quarter that ended in Mar. 2026 was €3,075.53 Mil. First Guaranty Bancshares's Total Assets for the quarter that ended in Dec. 2025 was €3,482.89 Mil. Therefore, First Guaranty Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.29.

FRA:1GJ
55GF Score
First Guaranty Bancshares Inc FRA:1GJ
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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First Guaranty Bancshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Guaranty Bancshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2760.914-3136.823)/3793.955
=-0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3482.886 - 721.972
=2760.914

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3289.696 - 152.873 - 0
=3136.823

First Guaranty Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2051.05-3075.526)/3482.886
=-0.29

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3424.139 - 1373.089
=2051.05

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3230.387 - 154.861 - 0
=3075.526

* 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.

What does a Scaled Net Operating Assets of -0.29 mean?
First Guaranty Bancshares (FRA:1GJ) has a Scaled Net Operating Assets of -0.29 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Guaranty Bancshares and its competitors.
Is First Guaranty Bancshares' Scaled Net Operating Assets too high?
First Guaranty Bancshares' current Scaled Net Operating Assets is -0.29. Overall, First Guaranty Bancshares has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does First Guaranty Bancshares' Scaled Net Operating Assets compare to TYCB and PBCO?
First Guaranty Bancshares' Scaled Net Operating Assets of -0.29 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Guaranty Bancshares and its competitors. First Guaranty Bancshares's current Scaled Net Operating Assets is -0.29. 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?
First Guaranty Bancshares (FRA:1GJ) has a current Scaled Net Operating Assets of -0.29. The stock's GF Value™ is €6.04, compared to a current price of €8.15 — trading 34.9% above its estimated fair value. The current Scaled Net Operating Assets is -0.29. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For First Guaranty Bancshares (FRA:1GJ), the current Scaled Net Operating Assets is -0.29 as of Mar. 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 (FRA:1GJ) Overvalued in 2026?

Based on GuruFocus' analysis, First Guaranty Bancshares stock appears to be overvalued. The current stock price of €8.15 is trading 34.9% above its estimated GF Value™ of €6.04.

Key valuation signals for FRA:1GJ:

  • Scaled Net Operating Assets: -0.29
  • GF Value™: €6.04 vs. price of €8.15 (34.9% above fair value)
  • GF Score™: 55/100 with 5 warning signs

No single metric tells the full story. See the FRA:1GJ 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:USAFGBI: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.
55GF Score

Get the complete analysis for FRA:1GJ

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

€8.15
Price
€6.04
GF Value