First Guaranty Bancshares, Inc. cash flow to debt ratio of -4.45% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

First Guaranty Bancshares, Inc.'s free cash flow has decreased 132.51% from $30.68M last year to $-9.98M, signaling decreasing performance

First Guaranty Bancshares, Inc.'s debt to equity ratio is 0.82, which means that the company's assets are unhealthy financed, signaling financial risk.

First Guaranty Bancshares, Inc.'s debt has increased relative to shareholder equity from 0.79 last year to 0.82 today, signaling weakened financials

First Guaranty Bancshares, Inc. has a net cash position, so leverage is healthy.

First Guaranty Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

First Guaranty Bancshares, Inc.'s profit margin has decreased (478.64%) in the last year from 5.09% to -19.26%, signaling decreasing performance

First Guaranty Bancshares, Inc.'s short-term assets of $857.61M exceed its short-term liabilities of $7.12M

First Guaranty Bancshares, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Guaranty Bancshares, Inc.'s return on equity of -16.19%, is lower than 15.00%, indicating bad performance

First Guaranty Bancshares, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

First Guaranty Bancshares, Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

First Guaranty Bancshares, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

First Guaranty Bancshares, Inc. has negative free cash flow, indicating cash burn

First Guaranty Bancshares, Inc.'s yearly earnings has decreased 550.05% since last year from $12.45M to $-56.02M, signaling decreasing performance

First Guaranty Bancshares, Inc.'s yearly revenue has decreased 19.95% since last year from $244.78M to $195.96M, signaling decreasing performance

ROIC -1.84% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Guaranty Bancshares, Inc.'s 3-year revenue CAGR of 10.35% is positive, indicating growing revenue over the past 3 years

First Guaranty Bancshares, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

First Guaranty Bancshares, Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

First Guaranty Bancshares, Inc. has insufficient data to evaluate this check.

First Guaranty Bancshares, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

First Guaranty Bancshares, Inc. is undervalued relative to its fair value price of 11.38 based on EBITDA multiple model

First Guaranty Bancshares, Inc. has negative or missing EBITDA, making EV/EBITDA ratio unreliable

First Guaranty Bancshares, Inc. is undervalued relative to its fair value price of 17.62 based on Earnings Fair Value model

First Guaranty Bancshares, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

First Guaranty Bancshares, Inc. has a price-to-book ratio of 0.60x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Guaranty Bancshares, Inc. has a price-to-sales ratio of 0.73x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue