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First Guaranty Bancshares FGBI Q3 2025 earnings

Reported November 17, 2025 · Before market open

Revenue$23.7MMiss by $6.7M
EPS-$2.16Miss by $1.84
Revenue estimate$30.4M
EPS estimate-$0.32

Next report

Date not yet announced

Financials

Q3 2025

Income statement

See full
Revenue$24.1M-11.1%
Net income-$45.0M-2,435%

Balance sheet

See full
Cash & equivalents$754.2M+105%
Total debt$11.3M-3.9%
Total equity$221.1M-13.8%
Total assets$3.8B-3.2%

Cash flow

See full
Operating cash flow$29.4M+506%
CapEx$688.0K—
Free cash flow$28.7M+476%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$121.26M-8.9%
Enterprise value-$621.63M-179%
P/S1.2×0.0×

Profitability

See full
Net margin-58.5%-70.0pp
FCF margin34.7%+18.3pp

Returns & leverage

See full
Return on equity-24.1%-29.2pp
Debt / equity0.1×0.0×

Versus estimates

Revenue

Q2 2026$24.2MBeat by $2.5MQ1 2026$52.3MBeat by $30.1MQ4 2025$53.1MBeat by $21.9M
Q3 2025$23.7MMiss by $6.7M
Q2 2025$23.9MMiss by $5.3MQ1 2025$24.2MMiss by $3.7M

Diluted EPS

Q2 2026$0.17Beat by $0.08Q1 2026$0.14Beat by $0.07Q4 2025$0.13Beat by $0.42
Q3 2025-$2.16Miss by $1.84
Q2 2025-$0.61Miss by $0.41Q1 2025-$0.54Miss by $0.71

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Questions, answered.

When did First Guaranty Bancshares report Q3 2025 earnings?
First Guaranty Bancshares (FGBI) reported Q3 2025 earnings on November 17, 2025 before market open.
What were First Guaranty Bancshares's Q3 2025 revenue and EPS?
First Guaranty Bancshares reported revenue of $23.7M and eps of $-2.16 for Q3 2025.
Did First Guaranty Bancshares beat estimates in Q3 2025?
Revenue missed the consensus estimate of $30.4M by $6.7M. EPS missed the consensus estimate of $-0.32 by $1.84.
How did First Guaranty Bancshares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 11.1% from $26.7M a year earlier.
Where can I find First Guaranty Bancshares's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001408534-25-000090) and the 10-Q periodic report (0001408534-25-000092) directly on SEC EDGAR. The filing index links above go to sec.gov.