FGBI First Guaranty Bancshares PE ratio, current and historical analysis
The PE ratio for First Guaranty Bancshares stock stands at 65.31 as of Jun 11, 2025. This is calculated based on the TTM EPS of $0.13 and the stock price of $8.49 per share. An increase of 170% has been observed in the PE ratio compared to its average of 24.2 of the last four quarters.
FGBI PE ratio history
Over the last ten years, the average PE ratio of First Guaranty Bancshares has been 13.09. The current 65.31 P/E ratio is similar to the historical average. Looking back at the last ten years, FGBI's PE ratio peaked in the Mar 2025 quarter at 59.23, with a price of $7.7 and an EPS of $0.13. The Sep 2020 quarter marked the lowest point at 6.48, with a price of $11.01 and an EPS of $1.7.
First Guaranty Bancshares PE ratio history chart
First Guaranty Bancshares PE ratio by year
Maximum annual increase: 89.64% in 2023
Maximum annual decrease: -42.45% in 2020
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2024 | 14.02 | -21.85% | $11.36 | $0.81 |
| 2023 | 17.94 | 89.64% | $11.12 | $0.62 |
| 2022 | 9.46 | 12.35% | $23.45 | $2.48 |
| 2021 | 8.42 | -0.94% | $20.38 | $2.42 |
| 2020 | 8.5 | -42.45% | $16.16 | $1.9 |
| 2019 | 14.77 | 3.21% | $19.79 | $1.34 |
| 2018 | 14.31 | -23.8% | $19.18 | $1.34 |
| 2017 | 18.78 | 45.24% | $20.66 | $1.1 |
| 2016 | 12.93 | 38.59% | $17.98 | $1.39 |
| 2015 | 9.33 | N/A | $14.09 | $1.51 |
| 2014 | N/A | N/A | N/A | $1.18 |
| 2013 | N/A | N/A | N/A | $0.92 |
| 2012 | N/A | N/A | N/A | $1.09 |
| 2011 | N/A | N/A | N/A | $0.67 |
| 2010 | N/A | N/A | N/A | $0.97 |
First Guaranty Bancshares PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2025 | 59.23 | 322.47% | $7.7 | $0.13 |
| Dec 2024 | 14.02 | 10.57% | $11.36 | $0.81 |
| Sep 2024 | 12.68 | 16.97% | $10.65 | $0.84 |
| Jun 2024 | 10.84 | -47.66% | $9 | $0.83 |
| Mar 2024 | 20.71 | 15.44% | $10.15 | $0.49 |
| Dec 2023 | 17.94 | 61.48% | $11.12 | $0.62 |
| Sep 2023 | 11.11 | 56.92% | $11 | $0.99 |
| Jun 2023 | 7.08 | -5.09% | $11.25 | $1.59 |
| Mar 2023 | 7.46 | -21.14% | $15.67 | $2.1 |
| Dec 2022 | 9.46 | 18.84% | $23.45 | $2.48 |
| Sep 2022 | 7.96 | -10.96% | $21.88 | $2.75 |
| Jun 2022 | 8.94 | -2.93% | $24.31 | $2.72 |
| Mar 2022 | 9.21 | 9.38% | $23.94 | $2.6 |
| Dec 2021 | 8.42 | 5.65% | $20.38 | $2.42 |
| Sep 2021 | 7.97 | -5.01% | $18.25 | $2.29 |
FGBI Price vs fair value
You can ether set your own Fair P/E multiple or use one of the automatically calculated Fair P/E multiples.
Fair P/E calculation
PE Ratio is an attempt to estimate a fair PE ratio of a stock based on its earnings and growth rate.
This formula is a modified version of the classic Graham-Dodd Formula (V= EPS x (8.5+2g)), originally developed by Benjamin Graham, to calculate the fair price of a stock based on its earnings and growth rate.
The formula we have created is an adaptation of this approach, designed to maintain a balance between simplicity and growth sensitivity.
It is calculated using the following formula:
IF g < 5: Fair PE = b
IF g >= 5: Fair PE = m × g
Here’s what each part of the formula means:
g: Growth is calculated as the average of the three-year average EPS growth rate and the one-year EPS growth rate (annually). This approach provides a balanced measure of growth by factoring in both the long-term growth trend and the most recent annual growth performance. If one of the growth metrics is not available, the remaining metric is used to determine growth. The fair P/E value is capped at 100 to prevent distortions caused by extreme EPS growth rates, such as those resulting from large percentage increases from a low base.
m: This is the long term historical median PEG (Price/Earnings to Growth) ratio of the overall market. It serves as a benchmark, adjusting the Fair PE based on typical market conditions.
b: Base PE (static value set to 8). If the company's growth rate is less than 5, the Fair PE is set at a conservative baseline of 8. This is because declining companies generally deserve a lower PE ratio.
Fixed vs Dynamic
Fixed: The Fair PE ratio for all data points is calculated using a single, constant average EPS growth rate, determined based on the most recent period. This means that the same growth rate is applied to all historical data points. Dynamic: The Fair PE ratio for each historical data point is calculated using the trailing average EPS growth rate specific to that point in time. This means that for each data point, the corresponding trailing EPS growth rate is used, ensuring that the Fair PE ratio reflects the growth conditions that were relevant at that specific point in history.
FGBI average PE ratio chart
Currently, FGBI's PE ratio is higher than the 3 and 5-year averages.
PE vs average
FGBI PE vs peers
In comparison to its peer stocks NECB and CZNC, FGBI's PE ratio is higher.
| Stock name | PE ratio | Market cap |
|---|---|---|
| NECB NorthEast Community Bancorp Inc | 6.52 | $321.91M |
| CZNC Citizens & Northern Corp | 10.75 | $291.61M |
| NKSH National Bankshares Inc | 19.13 | $167.99M |
| FGBI First Guaranty Bancshares Inc | 62.15 | $104.14M |
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Frequently asked questions
What is First Guaranty Bancshares's PE ratio?
The price to earnings ratio for FGBI stock as of Jun 11, 2025, stands at 65.31.
What is the 3-year average PE ratio for First Guaranty Bancshares (FGBI)?
The average PE ratio for FGBI stock over the past 3 years is 15.62.
What is the 5-year average PE ratio for First Guaranty Bancshares (FGBI)?
The average PE ratio for FGBI stock over the past 5 years is 12.57.
What is the highest PE ratio for FGBI?
Within the last ten years, the current PE ratio is at its peak with a value of 65.31.
How does the current PE ratio for FGBI compare to its historical average?
The current PE ratio of FGBI is 399% higher than the 10-year historical average.
How is FGBI's PE ratio calculated (First Guaranty Bancshares PE ratio formula)?
To determine the P/E ratio, divide the latest stock price by the TTM earnings per share (EPS). As of today (Jun 11, 2025), First Guaranty Bancshares's share price is $8.49. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2025 is $0.13. Therefore, First Guaranty Bancshares's PE ratio for today is 65.31. PE RATIO(65.31) = STOCK PRICE($8.49) / TTM EPS($0.13)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.