First Guaranty Bancshares, Inc. (FGBI)

In the past six months, First Guaranty Bancshares' stock price increased by 50.0% since the beginning of 2026, trading at $8.0550 as of March 31, 2026, but also touched a 52-week low of $6.59 in March 2025. The company reported a significant third-quarter loss of $45 million for Q3 2025, but made progress in Q4 2025, generating positive earnings of $1.9 million. Insider trading activity has been observed, with three insiders purchasing shares in the last three months, representing a net insider buying of over $1.8 million. Analysts have adjusted price targets, and the company has continued to declare quarterly cash dividends.

Specific details regarding the demand seasonality for First Guaranty Bancshares' products and services are not explicitly provided. General banking activities may experience some seasonality related to economic cycles, business activity, and consumer spending patterns, but no direct information on this for FGBI was found.

First Guaranty Bancshares, Inc. operates in the Finance and Insurance sector, focusing on attracting deposits and investing them into securities and lending activities. The company offers a range of commercial and retail banking services through First Guaranty Bank, including deposit products like checking, savings, and money market accounts, as well as lending services such as commercial real estate, commercial and industrial, and consumer loans. Additionally, they provide consumer services like credit cards and online banking, and business solutions like merchant services.

First Guaranty Bancshares, Inc. is headquartered in Hammond, Louisiana, and operates First Guaranty Bank with locations across Louisiana, Texas, Kentucky, and West Virginia. The company plans to exit its Texas operations, including selling five branches.

First Guaranty Bancshares' reputation has likely been impacted by reported losses in Q3 2025 and persistent credit quality deterioration. The company's stock was the lowest-rated regional bank by Seeking Alpha in January 2026. However, the company focuses on relationship banking and customer service, emphasizing community involvement and financial wellness seminars. Improvement in its risk-weighted capital ratio in Q4 2025 may also contribute to a more positive outlook.

First Guaranty Bancshares, Inc. has a mixed ownership structure, with approximately 39.52% held by institutional investors such as Vanguard Group Inc. and BlackRock, Inc. Insiders hold a substantial percentage of the company's stock, with some sources indicating around 47.20% or even 66.47%. Edgar R. Smith III is identified as the largest individual shareholder.