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First Guaranty Bancshares FGBI Q4 2025 Annual earnings

Reported March 31, 2026 · Before market open

Revenue$53.1MBeat by $21.9M
EPS$0.13Beat by $0.42
Revenue estimate$31.2M
EPS estimate-$0.29

Next report

Nov 16, 2026 (in 2 months)
Revenue estimate$21.2M
EPS estimate$0.12

Financials

Q4 2025

Income statement

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Revenue$22.3M-10.9%
Net income$2.5M+143%

Balance sheet

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Cash & equivalents$845.7M+49.9%
Total debt$18.3M-1.6%
Total equity$226.2M-11.3%
Total assets$4.1B+2.7%

Cash flow

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Operating cash flow-$24.8M-231%
CapEx$527.0K+81.7%
Free cash flow-$25.3M-235%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$82.45M-42.0%
Enterprise value-$744.94M-84.6%
P/S0.9×-0.4×

Profitability

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Net margin-58.7%-69.7pp
FCF margin-10.5%-37.6pp

Returns & leverage

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Return on equity-23.3%-28.2pp
Debt / equity0.1×0.0×

FAQ

When did First Guaranty Bancshares report Q4 2025 earnings?
First Guaranty Bancshares (FGBI) reported Q4 2025 earnings on March 31, 2026 before market open.
What were First Guaranty Bancshares's Q4 2025 revenue and EPS?
First Guaranty Bancshares reported revenue of $53.1M and eps of $0.13 for Q4 2025.
Did First Guaranty Bancshares beat estimates in Q4 2025?
Revenue beat the consensus estimate of $31.2M by $21.9M. EPS beat the consensus estimate of $-0.29 by $0.42.
How did First Guaranty Bancshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 11.2% from $59.8M a year earlier and eps grew 60.9% from $0.08.
Where can I find First Guaranty Bancshares's Q4 2025 SEC filings?
You can read the 10-K periodic report (0001408534-26-000021) directly on SEC EDGAR. The filing index links above go to sec.gov.