Estados financieros detallados de First Guaranty Bancshares, Inc. (FGBI): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
First Guaranty Bancshares, Inc. registró ingresos de $196.0M en el último ejercicio fiscal, con un CAGR de 5 años del 9.7%.
Márgenes de los últimos 12 meses: margen bruto 20.0%, margen operativo -24.0%, margen neto -19.3%.
Al precio actual de $8.49, FGBI presenta beneficios negativos (P/E no significativo) y un ROE del -16.19%. La capitalización bursátil es de $140M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $66.9M | $74.7M | $82.5M | $98.7M | $123.1M | $120.9M | $145.8M | $191.8M | $244.8M | $196.0M |
| Coste de Ventas | $13.8M | $18.2M | $22.7M | $34.8M | $40.9M | $24.4M | $40.2M | $102.0M | $153.3M | $208.1M |
| Beneficio Bruto | $53.1M | $56.5M | $59.7M | $63.9M | $82.2M | $96.6M | $105.6M | $89.8M | $91.5M | -$12.1M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $21.9M | $26.1M | $29.7M | $32.2M | $39.1M | $33.9M | $38.4M | $42.3M | $39.5M | $40.8M |
| Gastos Operativos | $31.8M | $37.4M | $42.1M | $46.0M | $56.7M | $62.1M | $69.3M | $77.9M | $75.5M | $56.4M |
| Beneficio Operativo | $21.3M | $19.1M | $17.7M | $17.9M | $25.5M | $34.5M | $36.4M | $11.9M | $16.0M | -$68.6M |
| EBITDA | $23.4M | $21.6M | $21.0M | $21.0M | $29.3M | $39.2M | $40.5M | $15.9M | $20.4M | -$64.3M |
| Gastos por Intereses | $10.1M | $14.4M | $21.4M | $30.0M | $26.0M | $22.3M | $36.5M | $98.3M | $133.3M | $126.3M |
| Beneficio Antes de Impuestos | $21.3M | $19.1M | $17.7M | $17.9M | $25.5M | $34.5M | $36.4M | $11.9M | $16.0M | -$68.6M |
| Impuestos | $7.2M | $7.4M | $3.5M | $3.7M | $5.2M | $7.2M | $7.5M | $2.7M | $3.6M | -$12.5M |
| Beneficio Neto | $14.1M | $11.8M | $14.2M | $14.2M | $20.3M | $27.3M | $28.9M | $9.2M | $12.4M | -$56.0M |
| BPA | $1.39 | $1.13 | $1.33 | $1.34 | $1.90 | $2.42 | $2.48 | $0.62 | $0.81 | $-4.17 |
| BPA Diluido | $1.39 | $1.13 | $1.33 | $1.34 | $1.90 | $2.42 | $2.48 | $0.62 | $0.81 | $-4.17 |
| Acciones en Circulación (Diluidas) | $10.1M | $10.4M | $10.7M | $10.7M | $10.7M | $10.7M | $10.7M | $11.2M | $12.5M | $14.0M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $55.0M | $53.1M | $52.3M | $28.6M |
| Beneficio Bruto | -$24.2M | $19.7M | $20.7M | $21.6M |
| Beneficio Operativo | -$54.0M | $2.9M | $1.3M | $4.3M |
| EBITDA | -$52.9M | $4.0M | $2.4M | $4.3M |
| Beneficio Neto | -$45.0M | $2.5M | $2.7M | $3.4M |
| BPA | $-3.01 | $0.12 | $0.14 | $0.17 |
| BPA Diluido | $-3.01 | $0.12 | $0.14 | $0.17 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $17.8M | $37.2M | $127.4M | $66.5M | $298.9M | $261.7M | $82.8M | $286.1M | $564.0M | $845.7M |
| Inversiones a Corto | $397.5M | $381.5M | $297.0M | $340.4M | $238.5M | $210.6M | $131.5M | $83.5M | $281.1M | $551000 |
| Cuentas por Cobrar | $7.0M | $8.0M | $6.7M | $8.4M | $115.5M | $255.6M | $328.1M | $299.2M | $233.3M | $12.5M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $422.4M | $426.7M | $431.1M | $415.4M | $652.9M | $728.0M | $542.3M | $668.8M | $1.08B | $857.6M |
| Inmovilizado Material | $23.5M | $38.0M | $39.7M | $56.5M | $59.9M | $58.6M | $58.2M | $69.8M | $67.8M | $59.6M |
| Fondo de Comercio | $2.0M | $3.5M | $3.5M | $12.9M | $12.9M | $12.9M | $12.9M | $12.9M | $12.9M | 0 |
| Activos Intangibles | $1.1M | $4.4M | $3.5M | $7.2M | $6.6M | $5.9M | $5.0M | $4.3M | $3.5M | $2.6M |
| Activos Totales | $1.50B | $1.75B | $1.82B | $2.12B | $2.47B | $2.88B | $3.15B | $3.55B | $3.97B | $4.08B |
| Cuentas por Pagar | $1.9M | $2.5M | $4.0M | $6.0M | $5.3M | $4.5M | $4.3M | $11.8M | $20.4M | $17.6M |
| Deuda a Corto | $6.5M | $15.5M | 0 | $19.9M | $56.1M | $6.4M | $146.4M | $66.3M | $7.0M | $7.1M |
| Pasivos Corrientes | $1.33B | $1.57B | $1.63B | $1.88B | $2.23B | $2.61B | $2.87B | $3.09B | $3.50B | $7.1M |
| Deuda a Largo | $36.7M | $37.4M | $34.5M | $66.8M | $60.5M | $43.2M | $36.9M | $209.1M | $194.9M | $179.0M |
| Pasivos Totales | $1.38B | $1.61B | $1.67B | $1.95B | $2.29B | $2.65B | $2.92B | $3.30B | $3.72B | $3.85B |
| Reservas | $39.0M | $44.5M | $34.9M | $43.3M | $37.1M | $56.7M | $76.4M | $68.0M | $73.0M | $14.1M |
| Patrimonio Neto | $124.3M | $144.0M | $147.3M | $166.0M | $178.6M | $223.9M | $235.0M | $249.6M | $255.0M | $226.2M |
| Deuda Total | $43.2M | $52.9M | $34.5M | $86.7M | $116.6M | $49.6M | $183.4M | $275.4M | $201.9M | $186.1M |
| Deuda Neta | -$372.1M | -$365.8M | -$389.9M | -$320.2M | -$420.8M | -$422.7M | -$30.9M | -$94.2M | -$643.2M | -$659.6M |
| Capital Circulante | -$912.3M | -$1.14B | -$1.20B | -$1.46B | -$1.57B | -$1.88B | -$2.33B | -$2.42B | -$2.43B | $850.5M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $753.9M | $845.7M | $733.2M | $781.0M |
| Activos Totales | $3.80B | $4.08B | $3.96B | $3.90B |
| Pasivos Totales | $3.58B | $3.85B | $3.73B | $3.67B |
| Patrimonio Neto | $221.1M | $226.2M | $224.0M | $227.3M |
| Deuda Total | $186.1M | $186.1M | $197.1M | $186.3M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $14.1M | $11.8M | $14.2M | $14.2M | $20.3M | $27.3M | $28.9M | $9.2M | $12.4M | -$56.0M |
| Amortizaciones | $2.2M | $2.4M | $3.3M | $3.1M | $3.8M | $4.8M | $4.1M | $4.0M | $4.4M | $4.3M |
| Compensación en Acciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cambio en Capital Circulante | $3.6M | -$5.9M | $5.1M | $6.7M | -$3.3M | -$6.3M | $179000 | $4.0M | $14.3M | -$51.6M |
| Flujo de Caja Operativo | $22.2M | $12.3M | $26.9M | $29.1M | $23.8M | $26.5M | $36.9M | $21.7M | $33.7M | -$8.3M |
| Inversiones (CapEx) | -$4.1M | -$6.8M | -$3.8M | -$11.9M | -$6.3M | -$2.2M | -$2.6M | -$15.0M | -$3.0M | -$1.7M |
| Adquisiciones | 0 | -$2.9M | 0 | -$23.3M | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | 0 | -$10.7M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividendos Pagados | -$4.9M | -$5.2M | -$5.6M | -$5.8M | -$6.2M | -$7.8M | -$9.2M | -$9.7M | -$7.5M | -$2.9M |
| Flujo de Caja Libre | $18.1M | $5.5M | $23.1M | $17.1M | $17.4M | $24.3M | $34.2M | $6.8M | $30.7M | -$10.0M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $29.4M | -$24.8M | $50.6M | -$709000 |
| Inversiones (CapEx) | -$688000 | -$689000 | -$167000 | $167000 |
| Flujo de Caja Libre | $28.7M | -$25.5M | $50.4M | -$542000 |
| Dividendos Pagados | -$733000 | -$738000 | -$740000 | -$747000 |
| Compensación en Acciones | 0 | 0 | 0 | 0 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +11.6% | +10.3% | +19.7% | +24.7% | -1.8% | +20.6% | +31.5% | +27.6% | -19.9% |
| Crecimiento Beneficio Neto (anual) | | -16.6% | +21.0% | +0.2% | +42.7% | +34.3% | +5.8% | -68.1% | +35.0% | -550.0% |
| Crecimiento BPA (anual) | | -18.7% | +17.7% | +0.8% | +41.8% | +27.4% | +2.5% | -75.0% | +30.6% | -614.8% |
| Cambio en Acciones (anual) | | +2.8% | +2.3% | +0.1% | +0.5% | +0.0% | +0.0% | +4.2% | +12.0% | +11.9% |
| Crecimiento FCF (anual) | | -69.8% | +323.0% | -25.8% | +1.8% | +39.4% | +40.7% | -80.2% | +354.0% | -132.5% |
| Margen Bruto | 79.3% | 75.6% | 72.4% | 64.7% | 66.8% | 79.9% | 72.4% | 46.8% | 37.4% | -6.2% |
| Margen Operativo | 31.8% | 25.6% | 21.4% | 18.1% | 20.7% | 28.5% | 25.0% | 6.2% | 6.5% | -35.0% |
| Margen EBITDA | 35.0% | 28.9% | 25.4% | 21.2% | 23.8% | 32.4% | 27.8% | 8.3% | 8.3% | -32.8% |
| Margen Neto | 21.1% | 15.7% | 17.2% | 14.4% | 16.5% | 22.6% | 19.8% | 4.8% | 5.1% | -28.6% |
| Margen FCF | 27.0% | 7.3% | 28.0% | 17.4% | 14.2% | 20.1% | 23.5% | 3.5% | 12.5% | -5.1% |
| Tasa Impositiva Efectiva | 33.7% | 38.6% | 19.6% | 20.4% | 20.4% | 20.8% | 20.6% | 22.5% | 22.2% | 18.3% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $1.79 | $0.52 | $2.17 | $1.61 | $1.63 | $2.27 | $3.19 | $0.61 | $2.45 | $-0.71 |
| Dividendo por Acción | $0.48 | $0.50 | $0.53 | $0.54 | $0.58 | $0.73 | $0.86 | $0.87 | $0.60 | $0.21 |
| Acciones en Circulación (Básicas) | $10.1M | $10.4M | $10.7M | $10.7M | $10.7M | $10.7M | $10.7M | $11.2M | $12.5M | $14.0M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | -16.19% |
| Rentabilidad sobre capital invertido | -1.84% |
| Rentabilidad sobre activos | -0.93% |
| Margen bruto | 19.97% |
| Margen operativo | -24.04% |
| Margen neto | -19.26% |
Salud financiera
| Deuda / Patrimonio | 0.82 |
| Ratio corriente | 277.69 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 12.94 | 18.28 | 14.42 | 14.77 | 8.50 | 8.42 | 9.46 | 17.94 | 14.02 | -1.29 |
| P/VC | 1.46 | 1.49 | 1.39 | 1.27 | 0.97 | 0.98 | 1.07 | 0.50 | 0.56 | 0.33 |
| P/V | 2.72 | 2.88 | 2.48 | 2.14 | 1.41 | 1.81 | 1.72 | 0.65 | 0.58 | 0.38 |
| Margen Bruto | 79.3% | 75.6% | 72.4% | 64.7% | 66.8% | 79.9% | 72.4% | 46.8% | 37.4% | -6.2% |
| Margen Operativo | 31.8% | 25.6% | 21.4% | 18.1% | 20.7% | 28.5% | 25.0% | 6.2% | 6.5% | -35.0% |
| Margen Neto | 21.1% | 15.7% | 17.2% | 14.4% | 16.5% | 22.6% | 19.8% | 4.8% | 5.1% | -28.6% |