First Guaranty Bancshares, Inc. (FGBI)

In August 2025, the company faced material weakness in its financial reporting controls and declared a quarterly cash dividend. In October 2025, concerns were raised about loan performance, and the company reported a quarterly loss due to exposure to an auto parts bankruptcy. In November 2025, the company delayed its 10-Q filing. In December 2025, the company's price target was decreased by 22.22% to $7.14. In January 2026, an article discussed the risks of investing in micro-cap banks like FGBI, and the share price declined by 25.74%. Recently, short interest increased by 23.94%, and the company reported a quarterly EPS of -$3.01, with negative return on equity and net margin. Despite these challenges, there has been insider buying activity, with insiders purchasing 382,438 shares, bringing insider ownership to approximately 47.2%.

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First Guaranty Bancshares, Inc. (FGBI) is a financial holding company operating through First Guaranty Bank, providing commercial and retail banking services. The company offers deposit products like checking, savings, and money market accounts, as well as lending solutions including commercial real estate, construction, and consumer loans. Ancillary services include cash management, online banking, treasury services, and merchant card processing.

First Guaranty Bancshares primarily serves markets in southeastern Louisiana and parts of eastern Texas. The company has strategically expanded into central Florida and also has locations in Kentucky and West Virginia, operating a total of 31 locations.

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The ownership structure of First Guaranty Bancshares is a mix of institutional, insider, and public/individual investors. Institutional investors hold approximately 5.17% to 5.33% of the company's stock. Insiders hold a significant portion, ranging from 51.74% to 66.47%. Public companies and individual investors own between 28.36% and 33.86% of the stock. Major institutional owners include Vanguard Group Inc., Vanguard Total Stock Market Index Fund Investor Shares, Vanguard Extended Market Index Fund Investor Shares, Bridgeway Capital Management Inc., Geode Capital Management, Llc., Cullen Investment Group, Ltd., Empowered Funds, LLC, EA Bridgeway Omni Small-Cap Value ETF, BlackRock, Inc., and Fidelity Extended Market Index Fund. A notable individual owner is Douglas V. Reynolds, holding 626,468 shares, representing 5.02% ownership.