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First Guaranty Bancshares Inc

NAS:FGBIFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$8.21−0.12%At closeAt close · Tue 20 Oct · ≈ AED 30.15 · Market cap $135.79M · Next earnings Thu 29 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	66.8%	79.9%	72.4%	46.8%	37.4%	−6.2%	—	—
Operating margin	20.7%	28.5%	25.0%	6.2%	6.5%	−35.0%	−35.0%	+0.0 pts
Net margin	16.5%	22.6%	19.8%	4.8%	5.1%	−28.6%	−28.6%	+0.0 pts
EBITDA margin	23.8%	32.4%	27.8%	8.3%	8.3%	−32.8%	—	—
Return on equity	11.4%	12.2%	12.3%	3.7%	4.9%	−24.8%	−24.8%	+0.0 pts
Return on assets	0.8%	0.9%	0.9%	0.3%	0.3%	−1.4%	−1.4%	+0.0 pts
Return on capital employed	10.4%	12.7%	13.1%	2.6%	3.4%	−1.7%	—	—
Debt / equity	0.7×	0.2×	0.8×	1.1×	0.8×	0.8×	0.8×	+0.0%
Debt / assets	4.7%	1.7%	5.8%	7.8%	5.1%	4.6%	—	—
Interest coverage	1.0×	1.5×	1.0×	0.1×	0.1×	−0.5×	—	—
Current ratio	0.3×	0.3×	0.2×	0.2×	0.3×	120.5×	120.5×	+0.0%
Quick ratio	0.3×	0.3×	0.2×	0.2×	0.3×	120.5×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.1×	0.2×	118.8×	118.8×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.0×	—	—
Receivables turnover	1.1×	0.5×	0.4×	0.6×	1.0×	15.7×	—	—
Dividend payout	30.7%	28.5%	31.8%	105.2%	59.9%	−5.2%	—	—