First Guaranty Bancshares, Inc. (FGBI): fair value, margin of safety and Wheel Score

Is FGBI undervalued?

At 11.29 (close of 5 Nov 2026), FGBI trades 75% below the GLS average fair value of 45.99. That average comes from 9 models run on the latest filings, and 8 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns First Guaranty Bancshares, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.

The 9 models disagree widely: DDM gives 0.5886 while Payback Time gives 112.91. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.

Ranked against every other company we cover, FGBI is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 83, growth score 35, out of 100).

Nine valuation models for FGBI

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

On financial health FGBI scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is low at 2.8 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.

Returns on capital are thin or negative - ROIC -13.6%, ROE -24.8%, ROA -1.4% - with debt at 0.82 times equity and a free-cash-flow yield of 28.3%.

The dividend yield is 0.35% with a payout ratio of 14% - a small yield that leaves most of the earnings in the business.

Institutional ownership scores 1/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 32: No options

FGBI has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (32 here). The valuation and quality numbers still apply to owning the shares outright.

Volume runs at 62k shares a day on a market cap of $188M, with a beta of 0.45 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

First Guaranty Bancshares, Inc. reports earnings on 16 Nov 2026 (before the open) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to First Guaranty Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare FGBI with 7 of them   All Financial Services stocks →