First Guaranty Bancshares, Inc. — Form 8-K
Filed November 3, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 72/100
What the filing says
First Guaranty Bancshares (market cap $43.6M) reported Q3 2026 net income of $11.952M ($0.69 EPS) versus a $45M loss in Q3 2025, driven by completion of Texas operations sale (contributing $16.1M gain) and reduced credit loss provisions ($3.8M vs $47.9M). YTD 2026 earnings were $18.1M. Total assets declined to $3.152B from $3.797B year-ago; Tier 1 leverage ratio improved to 8.29% and total risk-based capital to 18.79%. Substandard assets fell $31.2M in the quarter; management signed agreements to dispose of largest OREO and second-largest non-performing loan relationship.
Why this rating
Dramatic turnaround from large loss to profitable quarter; asset sales and capital restoration material to $43.6M market-cap bank; credit normalization and capital improvement substantial, but ongoing restructuring risk remains
Price action (we called it positive)
before filing · preread $17.95 | at our read pending | +10 min pending | +30 min pending | +1 hr pending | +4 hrs pending |
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