Deep-Dive Due Diligence AI Generated Probe of FIRST GUARANTY BANCSHARES INC (FGBI)

Welcome to ScanScor. What you're reading is not just a stock summary -- it's a real-time, AI-generated due diligence session crafted from live news, financial data, insider trading activity, SEC filings, and live market momentum.

These auto-generated reports apply OpenAI's GPT-based analysis engine, guided by tightly structured prompts and expert-level data ingestion. Every insight below was assembled to help you understand the forces behind today's market movers.

Disclaimer: This report is for informational purposes only. It does not constitute financial advice. Always do your own research before making any investment.


FGBI_OUT_1 [2025-03-20 15:47:22 -0400] 1918 Bytes | 590 tokens | Cum: 590 tkns (7.38% of 8k)
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We're scouting for winners today. Its 03:47:21 PM on Thursday March 20, 2025 ET (UTC-0400) and I'm looking at FIRST GUARANTY BANCSHARES (FGBI) up to 8.49 from 7.06

Help me investigate to see if its got potential or just another dud. So, I pulled together a bunch of data for you to look over real fast.

Here's the first list of news for FIRST GUARANTY BANCSHARES:

C1 - Jan-30-25 06:55PM - First Guaranty Bancshares (FGBI) Q4 Earnings Surpass Estimates
C2 - Jan-30-25 06:55PM 06:00PM - First Guaranty Bancshares: Q4 Earnings Snapshot
C3 - Jan-17-25 09:40AM - Should Value Investors Buy First Guaranty Bancshares (FGBI) Stock?
C4 - Jan-06-25 09:35AM - First Guaranty Bancshares (FGBI) Loses -23.36% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner
C5 - Dec-19-24 12:36PM - First Guaranty slashes dividend to just 1 cent a share
C6 - Oct-31-24 12:45PM - First Guaranty Bancshares (FGBI) Q3 Earnings and Revenues Beat Estimates
C7 - Oct-31-24 12:45PM 11:37AM - First Guaranty Bancshares: Q3 Earnings Snapshot
C8 - Oct-31-24 12:45PM 10:41AM - First Guaranty Bancshares, Inc. Announces Third Quarter 2024 Financial Results

ONLY 3 RULES for AI:
==============
1) I am a document retrieval system. You are the analyst-investigator.
2) You can request items from my lists to get more info on FIRST GUARANTY BANCSHARES (FGBI)
3) AFTER requesting and reading News and SEC filings you'll write a summary, set a score, high price target and headline.
Now, your response should be only 2 or 3 chars. You can say ex., C1, C2, etc., or NEX
The NEX command delivers the NEXt list of News/SEC/Metrics
There are several more lists that use our unified document retrieval system in subsequent prompts.
Your predictons will be compared to reality to rate your accuracy. Try to predict accurately. GOOD LUCK!
Please request a document, read, summarize and score. Say something like "C1".

FGBI_IN_2 [2025-03-20 15:47:22 -0400] 2 Bytes | 2 tokens | Cum: 592 tkns (7.40% of 8k)
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C1

FGBI_OUT_3 [2025-03-20 15:47:25 -0400] 1038 Bytes | 275 tokens | Cum: 867 tkns (10.84% of 8k)
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Showing C1 (chunk 1 of 5): C1:
**First Guaranty Bancshares (FGBI) Q4 Earnings Surpass Estimates**
Date: Jan-30-25 06:55PM
Source: (Zacks)
URL: https://finance.yahoo.com/news/first-guaranty-bancshares-fgbi-q4-235503588.html

First Guaranty Bancshares (FGBI) came out with quarterly earnings of $0.03 per share, beating the Zacks Consensus Estimate of a loss of $0.80 per share. This compares to earnings of $0.06 per share a year ago. These figures are adjusted for non-recurring items.

This quarterly report represents an earnings surprise of 103.75%. A quarter ago, it was expected that this bank holding company would post earnings of $0.01 per share when it actually produced earnings of $0.11, delivering a surprise of 1,000%.

Over the last four quarters, the company has surpassed consensus EPS estimates four times.

First Guaranty Bancshares , which belongs to the Zacks Banks - Southeast industry, posted revenues of

-- More of this article? (say: MOR) or Next section? (say: NEX) (only 3 chars. - please don't summarize yet)

FGBI_IN_4 [2025-03-20 15:47:25 -0400] 3 Bytes | 2 tokens | Cum: 869 tkns (10.86% of 8k)
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NEX

FGBI_OUT_5 [2025-03-20 15:47:26 -0400] 732 Bytes | 218 tokens | Cum: 1087 tkns (13.59% of 8k)
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We present this news so you can catch the big movers from recently breaking news.
Here's a list of news articles you can literally read just by asking.
Usually the first item is the most important.

A1 - 2025-03-17T07:13:05Z - Short Interest in First Guaranty Bancshares, Inc. (NASDAQ:FGBI) Grows By 32.4%...
A2 - 2025-03-01T21:44:29Z - First Guaranty Bancshares (NASDAQ:FGBI) Share Price Crosses Below 50 Day Moving Average - What's N...
A3 - 2025-02-24T19:34:06Z - FGBI Stock Touches 52-Week Low at $8.34 Amid Market Challenges By Investing.com...

Request an article by its reference number. (Ex., "A1" gets the first item)
You may also say NEX to go to the next listing.
Response to this prompt limited to 3 chars.

FGBI_IN_6 [2025-03-20 15:47:26 -0400] 2 Bytes | 2 tokens | Cum: 1089 tkns (13.61% of 8k)
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A1

FGBI_OUT_7 [2025-03-20 15:47:28 -0400] 1038 Bytes | 292 tokens | Cum: 1381 tkns (17.26% of 8k)
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Showing A1 (chunk 1 of 5): A1:
**Short Interest in First Guaranty Bancshares, Inc. (NASDAQ:FGBI) Grows By 32.4%**Date: 2025-03-17Source: {'uri': 'marketbeat.com', 'dataType': 'news', 'title': 'Market Beat'}URL: https://www.marketbeat.com/instant-alerts/short-interest-in-first-guaranty-bancshares-inc-nasdaqfgbi-grows-by-324-2025-03-17/First Guaranty Bancshares, Inc. (NASDAQ:FGBI - Get Free Report) was the recipient of a significant increase in short interest during the month of February. As of February 28th, there was short interest totalling 18,000 shares, an increase of 32.4% from the February 13th total of 13,600 shares. Based on an average trading volume of 11,800 shares, the short-interest ratio is presently 1.5 days. Approximately 0.3% of the company's shares are sold short.

Hedge funds and other institutional investors have recently modified their holdings of the company. Arkadios Wealth Advisors bought a n

-- More of this article? (say: MOR) or Next section? (say: NEX) (only 3 chars. - please don't summarize yet)

FGBI_IN_8 [2025-03-20 15:47:28 -0400] 3 Bytes | 2 tokens | Cum: 1383 tkns (17.29% of 8k)
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NEX

FGBI_OUT_9 [2025-03-20 15:47:30 -0400] 870 Bytes | 295 tokens | Cum: 1678 tkns (20.97% of 8k)
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This is our final list of news.
News AI can literally read just by asking.
Don't miss the breaking news!

B1 - 2024-06-21T09:32:00Z - Strength Seen in Bank7 (BSVN): Can Its 6.0% Jump Turn into More Strength?
B2 - 2024-06-14T22:48:00Z - First Guaranty Bancshares, Inc. Declares 124th Consecutive Quarterly Cash Dividend to Shareholders
B3 - 2024-06-03T22:00:00Z - First Guaranty Bancshares, Inc. Appoints Mineer as President and CEO
B4 - 2024-05-29T21:56:00Z - First Guaranty Bancshares, Inc Announces CEO Retirement
B5 - 2024-05-07T12:45:02Z - EHealth (EHTH) Reports Q1 Loss, Tops Revenue Estimates
B6 - 2024-05-01T12:26:00Z - First Guaranty Bancshares (FGBI) Soars 10.6%: Is Further Upside Left in the Stock?

Request an article by its reference number. (Ex., "B1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

FGBI_IN_10 [2025-03-20 15:47:30 -0400] 2 Bytes | 2 tokens | Cum: 1680 tkns (21.00% of 8k)
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B3

FGBI_OUT_11 [2025-03-20 15:47:33 -0400] 683 Bytes | 202 tokens | Cum: 1882 tkns (23.52% of 8k)
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Showing B3 (chunk 1 of 1): B3:
**First Guaranty Bancshares, Inc. Appoints Mineer as President and CEO**Date: Unknown DateSource: Unknown SourceURL: https://www.globenewswire.com/news-release/2024/06/03/2892663/0/en/First-Guaranty-Bancshares-Inc-Appoints-Mineer-as-President-and-CEO.htmlHAMMOND, La., June 03, 2024 (GLOBE NEWSWIRE) -- First Guaranty Bancshares, Inc. announced Michael Mineer has been appointed as First Guaranty Bancshares, Inc. and First Guaranty Bank’s President and CEO. He will succeed Alton Lewis, who announced his retirement at the end of May.

-- More of this article? (say: MOR) or Next section? (say: NEX) (only 3 chars. - please don't summarize yet)

FGBI_IN_12 [2025-03-20 15:47:33 -0400] 234 Bytes | 52 tokens | Cum: 1934 tkns (24.18% of 8k)
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First Guaranty Bancshares, Inc. has announced that Michael Mineer will take the roles of President and CEO of both the company and First Guaranty Bank. He will be succeeding Alton Lewis, who announced his retirement at the end of May.

FGBI_OUT_13 [2025-03-20 15:47:34 -0400] 1060 Bytes | 290 tokens | Cum: 2224 tkns (27.80% of 8k)
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This is our list of SEC filings.
If empty, the search returned no recent filings.

S1 - 2025-03-17 10-K Item 7 - Management's Discussion and Analysis of Fin Cond and Results of Oper

The following discussion and analysis of our financial condition and results of operations should be read in conjunction with our audited CONS financial statements and the ac...

S2 - 2025-01-30 8-K Item 2.02. Results of Oper and Fin Cond

On January 30, 2025 , First Guaranty Bancshares, Inc. issued a press release reporting its financial results at and for the three months and year ended December 31, 2024.

The Press Release is enclosed as Exhibit 99.1 to...

S3 - 2024-11-12 10-Q PART I. FIN INFO

Item 1. Cons Fin Stmnts

FIRST GUARANTY BANCSHARES, INC. & SUBSIDIARY

CONS BAL SHEETS (unaudited)

(in thousands, except share data) September 30, 2024 December 31, 2023 Assets Cash and cash equiv: Cash an...

Request filing by its reference number. (Ex., "S1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

FGBI_IN_14 [2025-03-20 15:47:34 -0400] 12 Bytes | 3 tokens | Cum: 2227 tkns (27.84% of 8k)
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Sure, please

FGBI_OUT_15 [2025-03-20 15:47:47 -0400] 4387 Bytes | 1264 tokens | Cum: 3491 tkns (43.64% of 8k)
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This is our set of metrics.
Please analyze the numbers.

+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| Volume: 13,128 | SMA50: -10.89% | Market Cap: 103.16M | Option/Short: No / Yes | Sales past 5Y: 20.38% | Sales Surprise: - |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| Avg Volume: 12.36K | SMA200: -20.64% | Shs Outstand: 12.50M | Short Float: 0.32% | Employees: 399 | EPS Surprise: 1000.00% |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| Rel Volume: 1.15 | Perf Week: 23.13% | Shs Float: 5.65M | Short Ratio: 1.46 | Debt/Eq: 0.79 | P/E: 9.85 |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| RSI (14): 52.07 | Perf Month: -14.51% | Inst Own: 7.88% | Short Interest: 0.02M | Sales Y/Y TTM: 20.29% | Earnings: Nov 01 BMO |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| ATR (14): 0.47 | Perf Quarter: -36.39% | Insider Own: 54.84% | Beta: 0.41 | ROE: 4.93% | |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| SMA20: 7.51% | Index: - | Insider Trans: 0.00% | Sales Q/Q: 13.68% | ROI: 2.25% | |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+

The next section covers any insider trading.
If this section is blank, it's because there've been no recent filings.

[Company Financial Summary]
[Company Details]
Name: FIRST GUARANTY BANCSHARES INC
Market Cap: N/A
Shares Outstanding: N/A
Sector: SAVINGS INSTITUTION, FEDERALLY CHARTERED

[Financial Statements - Latest Quarter]
Total Assets: N/A
Total Liabilities: N/A
Total Equity: N/A
Revenue (Quarter): {'value': 221706000.0, 'unit': 'USD', 'label': 'Revenues', 'order': 100}
Net Income: {'value': 12448000.0, 'unit': 'USD', 'label': 'Net Income/Loss', 'order': 3200}
Earnings Per Share (EPS): N/A

[Price Metrics - Last 30 Days]
Latest Close: 8.31
Average Volume: 16618.87
30-Day High: 9.87
30-Day Low: 6.7

[Detailed Financials: TTM 2024]
- Total Assets: $3,972,728,000.0
- Total Liabilities: $3,717,679,000.0
- Total Equity: $255,049,000.0
- Current Assets: $3,972,728,000.0
- Current Liabilities: $3,717,679,000.0

[Income Statement: TTM 2024]
- Revenue: $221,706,000.0
- Net Income: $12,448,000.0
- Operating Income: $16,006,000.0
- Earnings Per Share (EPS): 0.81

[Cash Flow Statement: TTM 2024]
- Net Cash Flow: $277,753,000.0

[Detailed Financials: FY 2024]
- Total Assets: $3,972,728,000.0
- Total Liabilities: $3,717,679,000.0
- Total Equity: $255,049,000.0
- Current Assets: $3,972,728,000.0
- Current Liabilities: $3,717,679,000.0

[Income Statement: FY 2024]
- Revenue: $221,706,000.0
- Net Income: $12,448,000.0
- Operating Income: $16,006,000.0
- Earnings Per Share (EPS): 0.81

[Cash Flow Statement: FY 2024]
- Net Cash Flow: $277,753,000.0
==== END OF FINANCIAL REPORT ====

Now we've reached the end of the analysis.
You are now requested to make a summary analysis.
Please don't explain why you didn't have enough information.
Save that for the survey that comes last.

Finish the summary with two scores: MARKET_SCORE[] and PRICE_TARGET[]

If you calculate a 92% likelihood of an upward moves, say: MARKET_SCORE[92]
If you think the high today will be 50% higher, add to the price. Eg., If the price is $5.00, add 50%: PRICE_TARGET[$7.50]
PRICE_TARGET is the highest it is expected to rise today, so it cannot be less than the current price.
Please provide a thought-provoking take, 6-10 words, to use for the headline of this news story.
Like this: AI_RPT_HEADLINE: [6-10 words headline for news story from first summary paragraph]
1) Brief Summary, 2) MARKET_SCORE, 3) PRICE_TARGET, and 4) AI_RPT_HEADLINE

FGBI_IN_16 [2025-03-20 15:47:47 -0400] 937 Bytes | 215 tokens | Cum: 3706 tkns (46.33% of 8k)
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1) Brief Summary:

FIRST GUARANTY BANCSHARES INC shows mixed performance with certain strengths and weaknesses. The company has an impressive sales growth over the past 5 years at 20.38% and has seen a positive EPS surprise of 1000%. The company also has a decent debt to equity ratio at 0.79. However, it is concerning to see both the 50-day and 200-day simple moving averages (SMA50 and SMA200) are in the negatives which indicates a downward trend. The company's performance over the past month and quarter have been negative as well.

2) MARKET_SCORE[60]: The positive EPS surprise and sales growth suggest potential, but the negative trends in the moving averages and recent performance point to caution.

3) PRICE_TARGET[$9.00]: Considering the company's mixed performance, a modest increase from the current price of $8.31 seems reasonable.

4) AI_RPT_HEADLINE: "Mixed Signals Observed in First Guaranty Bancshares Performance"

FGBI_OUT_17 [2025-03-20 15:47:53 -0400] 561 Bytes | 131 tokens | Cum: 3837 tkns (47.96% of 8k)
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Finally, if more data could have improved your confidence which would you have chosen? **Choose one option:**
-> X0 <- Nothing more would have helped my analysis
-> X1 <- More stock-specific news
-> X2 <- More SEC filings & insider data
-> X3 <- Broader sector & market news
-> X4 <- General market sentiment & AI confidence levels
-> X5 <- AI's past analysis on similar companies
-> X6 <- More financial metrics
-> X7 <- AI's past analysis on this exact company
-> X8 <- Something altogether different (explain...)

FGBI_IN_18 [2025-03-20 15:47:53 -0400] 542 Bytes | 99 tokens | Cum: 3936 tkns (49.20% of 8k)
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As a financial analyst, I would choose X2 <- More SEC filings & insider data. This is because SEC filings provide comprehensive and detailed financial information about a company, its operations, and its management's future outlook. Insider data, on the other hand, can provide insights into the actions of individuals who have access to non-public information about the company, which can be a strong indicator of the company's future prospects. Therefore, having more of these data would significantly improve my confidence in the analysis.

FGBI_IN_19 [2025-03-20 15:47:54 -0400] 126 Bytes | 29 tokens | Cum: 3965 tkns (49.56% of 8k)
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====================================
[2025-03-20 12:47:54] # Analysis Completed
Elapsed Time: 33.53 seconds




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