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First Guaranty BancsharesFGBI +0.10%55 5-Year Yield-on-Cost % is 0.05 as of Aug. 03, 2026, which is 87% below its 10-year median of 0.38. 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 1,252 Banks companies, First Guaranty Bancshares ranks worse than 99.36% on this metric.
First Guaranty Bancshares (NAS:FGBI) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
First Guaranty Bancshares 5-Year Yield-on-Cost % Related Terms
FGBI vs TYCB, PBCO, DIMC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, First Guaranty Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, First Guaranty Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where First Guaranty Bancshares's 5-Year Yield-on-Cost % falls into.
First Guaranty Bancshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
First Guaranty Bancshares (FGBI) has a 5-Year Yield-on-Cost % of 0.05 as of Aug. 03, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Guaranty Bancshares and its competitors. This is 87% below median its historical median of 0.38. Over the past decade, First Guaranty Bancshares' 5-Year Yield-on-Cost % has ranged from 0.05 to 0.90. According to the industry distribution chart, First Guaranty Bancshares ranks #1244 out of 1252 companies in the Banks industry, placing it in the top 99.4%.
Is First Guaranty Bancshares' 5-Year Yield-on-Cost % too high?
First Guaranty Bancshares' current 5-Year Yield-on-Cost % of 0.05 is 87% below median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.90. The Banks industry median 5-Year Yield-on-Cost % is 3.83. First Guaranty Bancshares' value of 0.05 is 98.7% below this industry median. Based on the distribution chart, First Guaranty Bancshares ranks #1244 out of 1252 companies in the Banks industry, which is in the bottom quartile 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' 5-Year Yield-on-Cost % compare to TYCB and PBCO?
According to the Banks industry distribution chart, First Guaranty Bancshares ranks #1244 out of 1252 companies for 5-Year Yield-on-Cost %. This places First Guaranty Bancshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. First Guaranty Bancshares' value of 0.05 is 98.7% below this benchmark. Historically, First Guaranty Bancshares' own 5-Year Yield-on-Cost % has ranged from 0.05 to 0.90 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 3.83, First Guaranty Bancshares has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.83, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Guaranty Bancshares's current 5-Year Yield-on-Cost % of 0.05 is 98.7% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Guaranty Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Guaranty Bancshares's current 5-Year Yield-on-Cost % is 0.05, which is 87% below median its own 10-year median of 0.38. 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 5-Year Yield-on-Cost % is 0.05, which is 87% below median its 10-year median of 0.38 and 98.7% below the Banks industry median of 3.83. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Guaranty Bancshares (FGBI), the current 5-Year Yield-on-Cost % is 0.05 as of Aug. 03, 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:
5-Year Yield-on-Cost %: 0.05 (87% below median its 10-year median of 0.38)
GF Value™: $7.11 vs. price of $9.59 (34.9% above fair value)
Industry Position: 98.7% below the Banks median (#1244 of 1252)
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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