What is First Guaranty Bancshares's payment-in-kind interest?

First Guaranty Bancshares (FGBI) reported payment-in-kind interest of $823K in Q1 2026.

What does payment-in-kind interest mean?

This reflects interest income or expense that is added to the principal balance of a loan or debt instrument rather than being paid in cash during the period. It indicates that the borrower is deferring cash payments, which can impact the bank's liquidity and credit risk profile. Investors monitor this to assess the quality of earnings and the potential for future cash flow realization.

First Guaranty Bancshares FGBI Payment-in-kind interest

Payment-in-kind interest at other companies

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$0—

Gloo Holdings, Inc. GLOO

$121K+195%

QT Imaging Holdings, Inc.QTI

$677K+41.9%

KDK

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$109K-52.2%

American Resources Investment Trust IncINV

$130K—

CalAmpCAMP

$1K-99.1%

Other financials

Income statement

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Revenue$22.9M-6.8%

Net income$2.7M+144%

Balance sheet

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Cash & equivalents$733.8M+18.7%

Total debt$10.9M-5.1%

Total equity$224.0M-10.9%

Total assets$4.0B+3.4%

Cash flow

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Operating cash flow$50.6M+839%

CapEx$167.0K-19.7%

Free cash flow$50.4M+873%

Valuation

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Market cap$165.79M+56.9%

Enterprise value-$557.04M-6.8%

P/S1.8×+0.7×

Profitability

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Net margin-50.3%-53.8pp

FCF margin37.6%+6.4pp

Returns & leverage

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Return on equity-19.8%-21.4pp

Debt / equity0×0.0×

Where this comes from

Reported directly by First Guaranty Bancshares in its filing.

Tagged under the XBRL concept us-gaap:PaidInKindInterest.

The official record: First Guaranty Bancshares’s 10-Q, filed May 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Guaranty Bancshares's payment-in-kind interest?: First Guaranty Bancshares (FGBI) reported payment-in-kind interest of $823K in Q1 2026.
What does payment-in-kind interest mean?: This reflects interest income or expense that is added to the principal balance of a loan or debt instrument rather than being paid in cash during the period. It indicates that the borrower is deferring cash payments, which can impact the bank's liquidity and credit risk profile. Investors monitor this to assess the quality of earnings and the potential for future cash flow realization.