your badges 52W Range $4–$11 60% of range Analyst Rating HOLD 6 analysts Price Target $9 +8% upside P/E · ROE -25.1% Net Profit Margin -58.7%

FGBI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $8.31
Market Cap (MRQ) $131M
Div Yield 0.43%
ROE -25.1%
Debt/Equity 0.0
52W Range $4–$11

FGBI Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
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Stock splits 3
Ex-date Split Type
Dec. 14, 2021 11-for-10 Forward
Dec. 6, 2019 11-for-10 Forward
Dec. 7, 2017 11-for-10 Forward

10-Year Performance Revenue, net income, margins and EPS trends

06
Free Cash Flow$-10M
2016-12-31 → 2025-12-31
Net margin-58.7%
2016-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend FGBI 5Y avg Peer Median Verdict
P/S 1.45Y avg ≈1.2 ≈1.2 3.8 Undervalued
P/B (MRQ) 0.65Y avg ≈0.5 ≈0.5 0.8 Undervalued
Price / FCF (TTM) 3.75Y avg ≈5.5 ≈5.5 · ·
Price / Cash Flow (TTM) 3.65Y avg ≈0.1 ≈0.1 · ·
Price / Tangible Book (MRQ) 0.65Y avg ≈0.5 ≈0.5 · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Dividend Yield0.43%
Payout Ratio-1.0%
Annualized Payout≈$0.04Paid quarterly
5Y Div CAGR≈-41.5%Per share, split-adjusted
Ex-dateAmountCurrencyYield
Sep 25, 2026$0.01USD≈0.50%
Jun 26, 2026$0.01USD≈0.37%
Mar 27, 2026$0.01USD≈0.49%
Dec 26, 2025$0.01USD≈0.80%
Sep 23, 2025$0.01USD≈0.48%
Jun 23, 2025$0.01USD≈3.3%
Mar 27, 2025$0.01USD≈3.4%
Dec 27, 2024$0.01USD≈3.6%
Sep 20, 2024$0.08USD≈5.1%
Jun 25, 2024$0.16USD≈7.3%
Mar 21, 2024$0.16USD≈6.3%
Dec 21, 2023$0.16USD≈5.7%
Sep 21, 2023$0.16USD≈5.6%
Jun 22, 2023$0.16USD≈5.0%
Mar 23, 2023$0.16USD≈4.0%
Dec 22, 2022$0.16USD≈2.7%
Sep 22, 2022$0.16USD≈2.9%
Jun 23, 2022$0.16USD≈2.5%
Mar 18, 2022$0.16USD≈2.5%
Dec 22, 2021$0.16USD≈2.9%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise -128.1%
Next Report Oct 29, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Aug 17, 2026 $0.17 $0.09 85.2%
March 31, 2026 $0.14 $0.07 96.1%
Dec. 31, 2025 $0.12 $0.13 -9.5%
Sept. 30, 2025 $-2.16 $-0.33 -561.8%
June 30, 2025 $-0.61 $-0.20 -199.0%
March 31, 2025 $-0.54 $0.17 -411.4%
Dec. 31, 2024 $0.03 $-0.82 103.7%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 9
Metric Trend 202520242023202220212020201920182017201620152014
Operating Income $-46M···········
Interest Expense ··$98M$37M$22M$26M$30M$21M$14M$10M$9M$9M
Interest Income $213M$222M$183M$137M$112M$101M$92M$78M$68M$59M$56M$53M
Pretax Income $-69M$16M$12M$36M$34M$26M$18M$18M$19M$21M$21M$17M
Income Tax $-13M$4M$3M$8M$7M$5M$4M$3M$7M$7M$7M$5M
Net Income $-56M$12M$9M$29M$27M$20M$14M$14M$12M$14M$15M$11M
EPS (Basic) $-4.17$0.81$0.62$2.48$2.42$1.90$1.34$1.47$1.21$1.68$1.83$1.57
Shares (Basic) 13,985,46012,501,03511,165,30310,716,79610,716,79610,716,79610,666,0559,687,1239,687,1238,369,4247,714,6206,920,022
EBITDA $-42M$4M$4M$4M$5M$4M$3M$3M$2M$2M$2M$2M
Balance Sheet 18
Metric Trend 202520242023202220212020201920182017201620152014
PP&E (Net) $60M$68M$70M$58M$59M$60M$56M$40M$38M$24M$22M$19M
PP&E (Gross) $106M$113M$117M$103M$100M$98M$93M$74M$70M$52M$50M$46M
Accum. Depreciation $47M$45M$47M$44M$42M$38M$36M$34M$32M$29M$28M$26M
Goodwill $0$13M$13M$13M$13M$13M$13M$3M$3M$2M$2M$2M
Intangibles $3M$3M$4M$5M$6M$7M$7M$4M$4M$1M$1M$2M
Total Assets $4.08B$3.97B$3.55B$3.15B$2.88B$2.47B$2.12B$1.82B$1.75B$1.50B$1.46B$1.52B
Short-term Debt $7M$7M$66M$146M$6M$56M$20M$0$16M$6M$2M$2M
Total Liabilities $3.85B$3.72B$3.30B$2.92B$2.65B$2.29B$1.95B$1.67B$1.61B$1.38B$1.34B$1.38B
Long-term Debt $179M$195M$209M$37M$43M$60M$63M$34M$37M$37M$40M$1M
Total Debt $7M$7M$66M$146M$6M$56M$20M$0$16M$6M$2M$2M
Common Stock $16M$13M$12M$11M$11M$11M$10M$10M$9M$8M$8M$7M
Paid-in Capital ··········$62M$52M
Retained Earnings $14M$73M$68M$76M$57M$37M$43M$35M$44M$39M$50M$41M
Treasury Stock ··········$0$54.0K
AOCI $-7M$-13M$-13M$-15M$-7M$647.0K$2M$-7M$-2M$-4M$-901.0K$241.0K
Stockholders' Equity $226M$255M$250M$235M$224M$179M$166M$147M$144M$124M$118M$140M
Liabilities + Equity $4.08B$3.97B$3.55B$3.15B$2.88B$2.47B$2.12B$1.82B$1.75B$1.50B$1.46B$1.52B
Shares Outstanding 15,793,43312,504,71712,475,42410,716,796········
Cash Flow 18
Metric Trend 202520242023202220212020201920182017201620152014
D&A $4M$4M$4M$4M$5M$4M$3M$3M$2M$2M$2M$2M
Deferred Tax $-12M$40.0K$-180.0K$-255.0K$-812.0K$-4M$-114.0K$-467.0K$3M$-1M$-384.0K$594.0K
Amort. of Intangibles $700.0K$700.0K$700.0K$700.0K$800.0K$700.0K$400.0K$500.0K$400.0K$300.0K$300.0K$300.0K
Other Non-cash $56M$17M$9M$4M$-5M$3M$12M$10M$-5M$7M$1M$3M
Operating Cash Flow $-8M$34M$22M$37M$27M$24M$29M$27M$12M$22M$17M$17M
CapEx $2M$3M$15M$3M$2M$6M$12M$4M$7M$4M$4M$2M
Investing Cash Flow $130M$-142M$-206M$-468M$-453M$-128M$-132M$7M$-83M$-68M$47M·
Debt Issued $0$30M$195M$0$0$0$32M$0$4M$0$25M$2M
Net Debt Issued $-1M$-14M$172M$-6M$-17M$-6M$29M$-3M$669.0K$-4M$24M$955.0K
Stock Issued $7M$0··$0$0$1M$0$0$0$9M$0
Stock Repurchased ···········$0
Net Stock Activity $7M···$0$0$1M·$0$0$9M$0
Dividends Paid $560.0K$5M$7M$7M$6M$6M$6M$6M$5M$5M$5M$4M
Financing Cash Flow $160M$386M$388M$252M$388M$337M$42M$56M$91M$26M$-72M·
Net Change in Cash $281M$278M$203M$-179M$-38M$232M$-61M$90M$20M$-19M$-7M$-17M
Taxes Paid $4M$0··········
Free Cash Flow $-10M$31M$7M$34M$24M$17M$17M$23M$5M$18M$13M$15M
Levered FCF ··$-69M$5M$7M$-3M$-7M$6M$-3M$11M$7M$9M
Profitability 7
Metric Trend 202520242023202220212020201920182017201620152014
Operating Margin -48.4%···········
Net Margin -58.7%11.0%9.7%26.0%27.2%20.6%20.3%22.8%19.1%24.4%25.7%22.3%
Pretax Margin -71.9%14.1%12.5%32.8%34.3%25.9%25.6%28.4%31.1%36.8%38.0%33.2%
EBITDA Margin -43.9%3.9%4.2%3.7%4.8%3.8%4.4%5.3%4.0%3.8%3.5%4.3%
ROA -1.4%0.33%0.28%0.96%1.0%0.89%0.72%0.80%0.72%0.95%0.97%0.76%
ROE -25.1%4.9%3.8%12.4%12.3%11.2%8.7%9.8%8.2%11.1%10.9%8.1%
ROIC -16.2%···········
Liquidity & Solvency 1
Metric Trend 202520242023202220212020201920182017201620152014
Debt / Equity 0.00.00.30.60.00.30.10.00.10.10.00.0
Efficiency 1
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 0.00.00.00.00.00.00.00.00.00.00.00.0
Per Share 2
Metric Trend 202520242023202220212020201920182017201620152014
Book Value / Share $14.32$20.40$20.01·········
Dividend Paid / Share $0.04$0.41$0.64$0.64$0.60$0.58$0.54$0.58$0.54$0.58$0.54$0.58
Growth Rates 6
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY -15.7%18.8%-14.2%10.6%2.0%·······
Revenue CAGR 3Y -4.9%4.1%-1.1%·········
Revenue CAGR 5Y -0.62%···········
Net Income YoY ·35.0%-68.1%5.8%34.4%·······
Net Income CAGR 3Y ·-23.0%-23.2%·········
Dividends Paid CAGR 5Y -38.2%···········
Valuation (TTM) 11
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM $95M$113M$95M$111M$100M$98M$70M$62M$61M$58M$56M$50M
Net Income TTM $-56M$12M$9M$29M$27M$20M$14M$14M$12M$14M$15M$11M
Market Cap $85M$142M$139M·········
P/S 0.91.31.5·········
P/B 0.40.60.6·········
P / Tangible Book 0.40.60.6·········
P / Cash Flow -10.24.26.4·········
P / FCF -8.54.620.2·········
Dividend Yield 0.66%3.6%5.3%·········
Payout Ratio -1.0%41.2%79.9%23.8%23.4%30.7%40.8%39.6%44.3%34.6%31.9%39.4%
Annual Payout $560.0K$5M$7M$7M$6M$6M$6M$6M$5M$5M$5M$4M

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Operating Margin % -48.4% · · · ·
Net Income $-56M $12M $9M $29M $27M

Institutional owners (13F) 43 filers · $15.8M total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 43
Value held $15.8M
New positions 13
Exited positions 5
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
13 (+4 vs prior Q) 5 (+4 vs prior Q) 17 (+13 vs prior Q) 2 (-6 vs prior Q) +558K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $4,267,657 423,799 27.09% Shares
VANGUARD CAPITAL MANAGEMENT LLC $2,859,004 283,913 18.15% Shares
GEODE CAPITAL MANAGEMENT, LLC $1,614,928 160,326 10.25% Shares
VANGUARD GROUP INC $1,599,374 297,835 10.15% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $876,533 87,044 5.56% Shares
CULLEN INVESTMENT GROUP, LTD. $626,446 62,209 3.98% Shares
NORTHERN TRUST CORP $483,129 47,977 3.07% Shares
Empowered Funds, LLC $480,873 47,753 3.05% Shares
STATE STREET CORP $478,637 47,531 3.04% Shares
VANGUARD FIDUCIARY TRUST CO $456,584 45,341 2.90% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $403,948 40,114 2.56% Shares
RENAISSANCE TECHNOLOGIES LLC $230,663 22,906 1.46% Shares
COMMUNITY TRUST & INVESTMENT CO $175,047 17,383 1.11% Shares
CITADEL ADVISORS LLC $166,689 16,553 1.06% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $147,223 14,620 0.93% Shares
UBS Group AG $142,430 14,144 0.90% Shares
STIFEL FINANCIAL CORP $122,502 12,165 0.78% Shares
NEW YORK STATE COMMON RETIREMENT FUND $103,721 10,300 0.66% Shares
NewEdge Advisors, LLC $71,104 7,061 0.45% Shares
DEUTSCHE BANK AG\ $59,292 5,888 0.38% Shares
RHUMBLINE ADVISERS $51,455 5,110 0.33% Shares
WELLS FARGO & COMPANY/MN $50,894 5,054 0.32% Shares
CWM, LLC $48,420 5,963 0.31% Shares
BARCLAYS PLC $33,493 3,326 0.21% Shares
CITIGROUP INC $28,337 2,814 0.18% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $27,964 2,777 0.18% Shares
JPMORGAN CHASE & CO $26,910 2,522 0.17% Shares
BNP PARIBAS FINANCIAL MARKETS $23,101 2,294 0.15% Shares
MORGAN STANLEY $21,238 2,109 0.13% Shares
Vanguard Global Advisers, LLC $20,674 2,053 0.13% Shares
LOS ANGELES CAPITAL MANAGEMENT LLC $19,647 1,951 0.12% Shares
NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO $9,073 901 0.06% Shares
Legal & General Group Plc $6,042 600 0.04% Shares
Ameritas Investment Partners, Inc. $5,508 547 0.03% Shares
Russell Investments Group, Ltd. $4,853 482 0.03% Shares
ROYAL BANK OF CANADA $4,000 433 0.03% Shares
Tower Research Capital LLC (TRC) $3,484 346 0.02% Shares
FMR LLC $3,021 300 0.02% Shares
Sterling Capital Management LLC $1,229 122 0.01% Shares
Rockefeller Capital Management L.P. $574 57 0.00% Shares
Caitong International Asset Management Co., Ltd $30 3 0.00% Shares
ACADIAN ASSET MANAGEMENT LLC $23 2,322 0.00% Shares
HUNTINGTON NATIONAL BANK $10 1 0.00% Shares

Activists & 5%+ owners 5 positions

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Smith Edgar R. III, Smith & Hood Holding Company, LLC, Smith & Hood Investments, LLC, Big 4 Investments, LLC, Smith-Hoover Investments, LLC, MACSMITH LLC, Smith & Tate Investments, LLC July 15, 2025 18.90% Amendment Passive investment SEC
William K. Hood, Smith & Hood Holding Company, LLC, Smith & Hood Investments, LLC, WKH Management, LLC, Hood Investments, LLC, WKH Holdings, LLC ×6 filings Feb. 14, 2024 · Initial filing Passive investment SEC
Edgar R. Smith III, Smith & Hood Holding Company, LLC, Smith & Hood Investments, LLC, Big 4 Investments, LLC, Smith-Hoover Investments, LLC, MACSMITH LLC ×6 filings Feb. 14, 2024 · Initial filing Passive investment SEC
Marshall T. Reynolds, Purple Cap, LLC, M.T. Reynolds Irrevocable Trust, Champion Leasing Corp., The Harrah & Reynolds Corp. ×2 filings Feb. 14, 2024 · Initial filing Passive investment SEC
Daniel P. Harrington, TVII Corp., AKA TVI Corp., Brothers Capital Corporation Dec. 12, 2014 · Initial filing · SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 16 insiders · 6 officers · 10 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Michael Ray Mineer Chief Executive Officer July 31, 2024 P 1,368 0 0 $0
Alton B Lewis Jr CEO Feb. 16, 2024 A 85,305 0 0 $0
Eric Dosch SVP and CFO Aug. 28, 2026 L 482 0 0 $0
Michele E. Lobianco Chief Financial Officer Sept. 11, 2008 A 2,317 0 0 $0
Amanda Wood Barnett General Counsel Dec. 1, 2023 A 231 0 0 $0
Michael R. Sharp Pres. and Chief Lending Ofc. July 11, 2011 A 25,673 0 0 $0
WALKER ROBERT W Director Sept. 15, 2026 P 11,702 6 0 $195,019
Bruce Mcanally Director Sept. 9, 2026 P 1,750 11 0 $1,782,958
Smith Edgar R. III Director April 30, 2026 P 784,400 8 0 $3,307,961
REYNOLDS MARSHALL T Director April 30, 2026 P 117,551 3 0 $1,500,010
William K Hood Director June 30, 2025 P 129,325 0 0 $0
Vanessa R Drew Director Dec. 19, 2023 A 4,931 0 0 $0
Jack Rossi Director Dec. 19, 2023 A 5,210 0 0 $0
Glenda Baskin Glover Director Nov. 12, 2015 P 3,000 0 0 $0
Gary A Simanson Director June 23, 2011 P 500 0 0 $0
Smith & Hood Investments, LLC 10% owner Aug. 26, 2016 G 0 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 9 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.01% 21,730 SH Sept. 11, 2026 Daily
RSSL · Global X Funds 0.00% 2,871 NS July 31, 2026 N-PORT
IWM · iShares Trust 0.00% 94,888 SH Sept. 11, 2026 Daily
VXF · VANGUARD INDEX FUNDS 0.00% 80,671 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 193,786 SH Aug. 19, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.00% 34,861 SH Aug. 19, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.00% 5,253 SH Aug. 19, 2026 Daily
DFAC · Dimensional ETF Trust 0.00% 2,269 NS July 31, 2026 N-PORT
IWN · iShares Trust · 53,382 SH Sept. 11, 2026 Daily

FGBI Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 6 analysts SELL
Median target $9.00 +8.3%
0 0.0% Strong Buy
0 0.0% Buy
3 50.0% Hold
1 16.7% Sell
2 33.3% Strong Sell

12-Month Price Target

1 analysts · 2026-10-01

Mean target $9.00 +8.3%

Low$9.00 Mean$9.00 High$9.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
FGBI $85M · -15.7% -58.7% -25.1% ·
HYNE $117M 483.0 41.8% 1.5% 0.19% ·
SRBK $156M 44.7 0.40% 10.0% 1.8% ·
TFC $62.13B 12.9 53.0% 26.1% 8.2% ·

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed May 13, 2026