First Guaranty Bancshares (NASDAQ: FGBI) is one of 95 publicly-traded companies in the “Federal savings institutions” industry, but how does it compare to its rivals? We will compare First Guaranty Bancshares to related businesses based on the strength of its risk, valuation, earnings, profitability, dividends, institutional ownership and analyst recommendations.

Risk and Volatility

First Guaranty Bancshares has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500. Comparatively, First Guaranty Bancshares’ rivals have a beta of 0.52, meaning that their average stock price is 48% less volatile than the S&P 500.

Institutional and Insider Ownership

11.4% of First Guaranty Bancshares shares are owned by institutional investors. Comparatively, 38.6% of shares of all “Federal savings institutions” companies are owned by institutional investors. 41.4% of First Guaranty Bancshares shares are owned by insiders. Comparatively, 9.1% of shares of all “Federal savings institutions” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares First Guaranty Bancshares and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Guaranty Bancshares 13.48% 8.22% 0.69%
First Guaranty Bancshares Competitors 16.41% 5.91% 0.86%

Valuation and Earnings

This table compares First Guaranty Bancshares and its rivals top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
First Guaranty Bancshares $83.67 million $14.21 million 12.65
First Guaranty Bancshares Competitors $892.78 million $208.84 million 17.41

First Guaranty Bancshares’ rivals have higher revenue and earnings than First Guaranty Bancshares. First Guaranty Bancshares is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Dividends

First Guaranty Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 3.1%. First Guaranty Bancshares pays out 39.8% of its earnings in the form of a dividend. As a group, “Federal savings institutions” companies pay a dividend yield of 2.7% and pay out 37.9% of their earnings in the form of a dividend. First Guaranty Bancshares has raised its dividend for 3 consecutive years.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for First Guaranty Bancshares and its rivals, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Guaranty Bancshares 0 0 0 0 N/A
First Guaranty Bancshares Competitors 701 1727 1350 98 2.22

As a group, “Federal savings institutions” companies have a potential upside of 6.01%. Given First Guaranty Bancshares’ rivals higher possible upside, analysts clearly believe First Guaranty Bancshares has less favorable growth aspects than its rivals.

Summary

First Guaranty Bancshares rivals beat First Guaranty Bancshares on 9 of the 12 factors compared.

About First Guaranty Bancshares

First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services to businesses, professionals, and individuals in Louisiana and Texas. It offers various deposit products, including personal and business checking, savings, money market, and demand accounts, as well as time deposits. The company also provides loans, such as non-farm non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, construction and land development loans, agricultural loans, farmland loans, consumer and other loans, and multifamily loans. In addition, it offers a range of consumer services, including personal and commercial credit cards, remote deposit capture, safe deposit boxes, official checks, Internet banking, automated teller machines, online bill pay, mobile banking, and lockbox services. The company operates through 27 banking facilities located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Dallas-Fort Worth-Arlington, and Waco. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.

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