First Guaranty Bancshares Inc (FGBI) Files 10-K for the Fiscal Year Ended on December 31, 2017

First Guaranty Bancshares Inc (FGBI, Financial) files its latest 10-K with SEC for the fiscal year ended on December 31, 2017. First Guaranty Bancshares Inc is a bank holding company. The Company, along with its subsidiary, provides personalized commercial banking services to businesses, professionals and individuals. First Guaranty Bancshares Inc has a market cap of $230.310 million; its shares were traded at around $26.15 with a P/E ratio of 19.26 and P/S ratio of 3.79. The dividend yield of First Guaranty Bancshares Inc stocks is 2.28%. First Guaranty Bancshares Inc had annual average EBITDA growth of 8.50% over the past five years.

For the last quarter First Guaranty Bancshares Inc reported a revenue of $16.2 million, compared with the revenue of $13.63 million during the same period a year ago. For the latest fiscal year the company reported a revenue of $61.5 million, an increase of 6.3% from last year. For the last five years First Guaranty Bancshares Inc had an average revenue growth rate of 4.2% a year.

The reported diluted earnings per share was $1.37 for the year, a decline of 18.5% from the previous year. Over the last five years First Guaranty Bancshares Inc had an EPS growth rate of 4.9% a year. The First Guaranty Bancshares Inc had a decent operating margin of 31.14%, compared with the operating margin of 36.75% a year before. The 10-year historical median operating margin of First Guaranty Bancshares Inc is 32.60%. The profitability rank of the company is 5 (out of 10).

At the end of the fiscal year, First Guaranty Bancshares Inc has the cash and cash equivalents of $37.2 million, compared with $17.8 million in the previous year. The long term debt was $37.4 million, compared with $36.7 million in the previous year. The interest coverage to the debt is 1.3, which is not a favorable level. First Guaranty Bancshares Inc has a financial strength rank of 4 (out of 10).

At the current stock price of $26.15, First Guaranty Bancshares Inc is traded at 85.9% premium to its historical median P/S valuation band of $14.07. The P/S ratio of the stock is 3.79, while the historical median P/S ratio is 2.03. The stock gained 24.83% during the past 12 months.

For the complete 20-year historical financial data of FGBI, click here.