FGBI

HAMMOND, La., July 28, 2026 (GLOBE NEWSWIRE) -- First Guaranty Bancshares, Inc. ("First Guaranty") (NASDAQ: FGBI), the holding company for First Guaranty Bank, reported net income of $3.4 million, or $0.17 per common share, for the second quarter ended June 30, 2026, compared to $0.14 per common share for first quarter ended March 31, 2026, and $0.12 per common share for the fourth quarter ended December 31, 2025. SECOND QUARTER 2026 HIGHLIGHTS Net income of $3.4 million; Net income available to common shareholders of $2.8 million. Nonaccrual loans decreased $19.0 million to $40.6 million from $59.6 million at December 31, 2025. Total assets of $3.9 billion; total loans of $1.8 billion; total deposits of $3.5 billion. Shareholders’ equity of $227.4 million; book value per common share of $11.75. Bank total capital ratio improved to more than 16% at June 30, 2026. “We continue to move forward with our business strategy to reduce balance sheet risk, improve earnings, and grow capital. By improving our bank Total Capital ratio to over 16% at June 30, 2026, we have come a long way in managing credit risk. We are actively reducing our non-performing and criticized assets and building a more diversified loan portfolio,” said Michael R. Mineer, President and Chief Executive Officer of First Guaranty. For full release click here. About First Guaranty Bancshares, Inc.: First Guaranty Bancshares, Inc. is the holding company for First Guaranty Bank, a Louisiana state-chartered bank. Founded in 1934, First Guaranty Bank offers a wide range of financial services and focuses on building client relationships and providing exceptional customer service. First Guaranty Bank currently operates thirty locations throughout Louisiana, Texas, Kentucky and West Virginia. First Guaranty’s common stock trades on the NASDAQ under the symbol FGBI. For more information, visit www.fgb.net. Forward Looking Statements: This press release contains forward-looking statements within the meaning of the U.S. federal securities laws. Forward-looking statements are any statements other than statements of historical fact which represent our current judgement about possible future events. We believe these judgements are reasonable, but these statements are not guarantees of any future events or financial results, and our actual results may differ materially due to a variety of factors, many of which are described in our most recent Annual Report on Form 10-K and our other filings with the U.S. Securities and Exchange Commission. We caution readers not to place undue reliance on forward-looking statements. Forward-looking statements speak only as of the date they are made, and we undertake no obligation to update or otherwise revise any forward-looking statements. CONTACT: ERIC DOSCH, CFO 985.375.0308

First Guaranty Bancshares (FGBI) came out with quarterly earnings of $0.17 per share, beating the Zacks Consensus Estimate of $0.09 per share. This compares to a loss of $0.61 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +88.89%. A quarter ago, it was expected that this bank holding company would post earnings of $0.07 per share when it actually produced earnings of $0.14, delivering a surprise of +100%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. First Guaranty Bancshares, which belongs to the Zacks Banks - Southeast industry, posted revenues of $24.18 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 11.62%. This compares to year-ago revenues of $24.4 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. First Guaranty Bancshares shares have added about 73% since the beginning of the year versus the S&P 500's gain of 8.3%. While First Guaranty Bancshares has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for First Guaranty Bancshares was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.12 on $21.24 million in revenues for the coming quarter and $0.40 on $85.68 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 31% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. One other stock from the same industry, Seacoast Banking (SBCF), is yet to report results for the quarter ended June 2026. The results are expected to be released on July 28. This holding company for Seacoast National Bank is expected to post quarterly earnings of $0.60 per share in its upcoming report, which represents a year-over-year change of +15.4%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Seacoast Banking's revenues are expected to be $207.23 million, up 36.9% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report First Guaranty Bancshares, Inc. (FGBI) : Free Stock Analysis Report Seacoast Banking Corporation of Florida (SBCF) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Popular (BPOP) came out with quarterly earnings of $4.35 per share, beating the Zacks Consensus Estimate of $3.69 per share. This compares to earnings of $3.09 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +17.89%. A quarter ago, it was expected that this company that runs Banco Popular and other banks in Puerto Rico and the U.S. would post earnings of $3.3 per share when it actually produced earnings of $3.78, delivering a surprise of +14.55%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Popular, which belongs to the Zacks Banks - Southeast industry, posted revenues of $873.96 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 3.76%. This compares to year-ago revenues of $800.03 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Popular shares have added about 39.7% since the beginning of the year versus the S&P 500's gain of 9.6%. While Popular has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Popular was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $3.68 on $853.23 million in revenues for the coming quarter and $15.05 on $3.4 billion in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 31% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. First Guaranty Bancshares (FGBI), another stock in the same industry, has yet to report results for the quarter ended June 2026. This bank holding company is expected to post quarterly earnings of $0.09 per share in its upcoming report, which represents a year-over-year change of +114.8%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. First Guaranty Bancshares' revenues are expected to be $21.66 million, down 11.2% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Popular, Inc. (BPOP) : Free Stock Analysis Report First Guaranty Bancshares, Inc. (FGBI) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

First Guaranty Bancshares (FGBI) came out with quarterly earnings of $0.28 per share, beating the Zacks Consensus Estimate of a loss of $0.29 per share. This compares to earnings of $0.03 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +196.55%. A quarter ago, it was expected that this bank holding company would post a loss of $0.32 per share when it actually produced a loss of $2.16, delivering a surprise of -575%. Over the last four quarters, the company has surpassed consensus EPS estimates just once. First Guaranty Bancshares, which belongs to the Zacks Banks - Southeast industry, posted revenues of $22.35 million for the quarter ended December 2025, missing the Zacks Consensus Estimate by 8.64%. This compares to year-ago revenues of $25.08 million. The company has topped consensus revenue estimates just once over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. First Guaranty Bancshares shares have added about 46% since the beginning of the year versus the S&P 500's decline of 7.3%. While First Guaranty Bancshares has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for First Guaranty Bancshares was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.07 on $22.15 million in revenues for the coming quarter and $0.40 on $85.68 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 42% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Another stock from the same industry, USCB Financial Holdings, Inc. (USCB), has yet to report results for the quarter ended March 2026. This company is expected to post quarterly earnings of $0.47 per share in its upcoming report, which represents a year-over-year change of +23.7%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. USCB Financial Holdings, Inc.'s revenues are expected to be $25.9 million, up 13.5% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report First Guaranty Bancshares, Inc. (FGBI) : Free Stock Analysis Report USCB Financial Holdings, Inc. (USCB) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

TowneBank (TOWN) came out with quarterly earnings of $0.7 per share, missing the Zacks Consensus Estimate of $0.72 per share. This compares to earnings of $0.55 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of -2.78%. A quarter ago, it was expected that this community bank would post earnings of $0.75 per share when it actually produced earnings of $0.83, delivering a surprise of +10.67%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. TowneBank, which belongs to the Zacks Banks - Southeast industry, posted revenues of $221.09 million for the quarter ended December 2025, missing the Zacks Consensus Estimate by 0.9%. This compares to year-ago revenues of $178.26 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. TowneBank shares have added about 8.6% since the beginning of the year versus the S&P 500's gain of 1.9%. While TowneBank has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for TowneBank was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.86 on $269.3 million in revenues for the coming quarter and $3.55 on $1.09 billion in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 23% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. First Guaranty Bancshares (FGBI), another stock in the same industry, has yet to report results for the quarter ended December 2025. This bank holding company is expected to post quarterly loss of $0.29 per share in its upcoming report, which represents a year-over-year change of -1066.7%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. First Guaranty Bancshares' revenues are expected to be $24.46 million, down 2.5% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Towne Bank (TOWN) : Free Stock Analysis Report First Guaranty Bancshares, Inc. (FGBI) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Wall Street expects a year-over-year decline in earnings on lower revenues when First Guaranty Bancshares (FGBI) reports results for the quarter ended September 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The earnings report might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise. This bank holding company is expected to post quarterly loss of $0.32 per share in its upcoming report, which represents a year-over-year change of -390.9%. Revenues are expected to be $24.47 million, down 9.7% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 3000% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only. A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP. Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell). For First Guaranty Bancshares, the Most Accurate Estimate is the same as the Zacks Consensus Estimate, suggesting that there are no recent analyst views which differ from what have been considered to derive the consensus estimate. This has resulted in an Earnings ESP of 0%. On the other hand, the stock currently carries a Zacks Rank of #5. So, this combination makes it difficult to conclusively predict that First Guaranty Bancshares will beat the consensus EPS estimate. Analysts often consider to what extent a company has been able to match consensus estimates in the past while calculating their estimates for its future earnings. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number. For the last reported quarter, it was expected that First Guaranty Bancshares would post a loss of$0.2 per share when it actually produced a loss of -$0.61, delivering a surprise of -205.00%. Over the last four quarters, the company has beaten consensus EPS estimates two times. An earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss. That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported. First Guaranty Bancshares doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release. Renasant (RNST), another stock in the Zacks Banks - Southeast industry, is expected to report earnings per share of $0.79 for the quarter ended September 2025. This estimate points to a year-over-year change of +12.9%. Revenues for the quarter are expected to be $266.1 million, up 20.8% from the year-ago quarter. The consensus EPS estimate for Renasant has remained unchanged over the last 30 days. However, a higher Most Accurate Estimate has resulted in an Earnings ESP of +0.95%. This Earnings ESP, combined with its Zacks Rank #3 (Hold), suggests that Renasant will most likely beat the consensus EPS estimate. Over the last four quarters, the company surpassed consensus EPS estimates three times. Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report First Guaranty Bancshares, Inc. (FGBI) : Free Stock Analysis Report Renasant Corporation (RNST) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research