First Guaranty Bancshares
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
8.83
Price/Sales ratio
0.65
Earnings per Share (EPS)
$0.9

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
11.719.0612.9218.3114.3814.828.518.008.7013.4611.2514.82
Price/Sales ratio
2.612.333.143.493.283.011.752.17143.601.350.753.01
Price/Book Value ratio
0.941.111.461.491.381.270.960.971.060.490.551.27
Price/Cash Flow ratio
7.827.648.1917.537.607.257.288.236.815.715.197.25
Price/Free Cash Flow ratio
8.6910.2610.0539.408.8412.309.918.987.3418.366.8512.30
Price/Earnings Growth ratio
0.410.32-1.62-0.970.8119.710.200.293.50-0.17-3.4219.71
Dividend Yield
3.36%3.52%2.67%2.42%2.75%2.74%3.60%3.56%3.65%7.81%3.57%2.75%
Profitability Indicator Ratios
Gross Profit Margin
100%100%98.19%98.11%98.05%100%100%100%100%100%107.02%98.05%
Operating Profit Margin
51.55%53.30%54.27%54.54%62.66%25.57%25.93%34.32%4167.08%13.64%32.29%25.57%
Pretax Profit Margin
33.25%38.04%36.74%31.14%28.36%25.57%25.93%34.32%2079.42%12.99%8.63%25.57%
Net Profit Margin
22.32%25.70%24.36%19.10%22.81%20.35%20.63%27.19%1650.51%10.06%6.68%20.35%
Effective Tax Rate
32.85%32.43%33.70%38.63%19.58%20.42%20.43%20.77%20.62%22.50%22.57%19.58%
Return on Assets
0.73%0.99%0.93%0.67%0.78%0.67%0.82%0.94%0.91%0.25%0.32%0.67%
Return On Equity
8.04%12.26%11.33%8.16%9.65%8.57%11.37%12.19%12.29%3.69%5.03%8.57%
Return on Capital Employed
1.71%2.06%2.10%1.93%2.15%0.85%1.05%1.20%2.42%1.25%1.75%1.75%
Liquidity Ratios
Current Ratio
0.500.450.390.340.330.03N/AN/AN/AN/A2.560.33
Quick Ratio
225.00253.27115.6466.87345.4425.9315.6198.914.440.112.5625.93
Cash ratio
14.3810.742.112.0632.243.475.4034.040.570.110.853.47
Days of Sales Outstanding
46.3538.9044.4147.3739.3443.8744.2443.8068.42K1.19K505.8839.34
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/A44.4147.3739.34N/AN/AN/AN/AN/A505.8839.34
Days of Payables Outstanding
N/AN/A675.11782.181.18KN/AN/AN/AN/AN/A-483.99N/A
Cash Conversion Cycle
N/AN/A-630.69-734.80-1.14KN/AN/AN/AN/AN/A989.87-1.14K
Debt Ratios
Debt Ratio
0.000.020.020.030.010.030.040.010.050.070.040.01
Debt Equity Ratio
0.020.350.340.360.230.480.610.190.751.100.760.23
Long-term Debt to Capitalization
0.010.250.220.200.180.280.250.160.130.450.430.18
Total Debt to Capitalization
0.020.260.250.260.180.320.380.160.420.520.430.18
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A0.98N/AN/AN/A0.60N/A
Cash Flow to Debt Ratio
5.150.400.510.230.770.360.210.610.200.070.140.36
Company Equity Multiplier
10.8812.3412.0712.1512.3312.7513.8412.8513.4114.2315.3012.33
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.330.300.380.190.430.410.240.2621.060.230.140.41
Free Cash Flow / Operating Cash Flow Ratio
0.900.740.810.440.850.580.730.910.920.310.750.58
Cash Flow Coverage Ratio
5.150.400.510.230.770.360.210.610.200.070.140.36
Short Term Coverage Ratio
9.329.563.410.79N/A2.220.47N/A0.260.30N/A2.22
Dividend Payout Ratio
39.38%31.92%34.55%44.33%39.65%40.74%30.68%28.49%31.80%105.19%73.19%39.65%