First Guaranty Bancshares (FGBI) Peer Comparison

$8.01

$0.10 (1.26%)

As on 25-Sep-2026 16:02EDT

Market cap

$132 Mln

Revenue (TTM)

$189 Mln

P/E Ratio

--

P/B Ratio

0.7

Div. Yield

0.5 %

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	First Guaranty Bancshares (FGBI)	East West Bancorp (EWBC)	Banco Santander - Chile ADS - ADR	First Horizon National Corporation (FHN)	UMB Financial (UMBF)
Market cap ($ Mln)	132	17,432	16,155	11,342	10,316
Revenue ($ Mln)	189	4,716	4,850,848	4,633	4,560
Net Profit ($ Mln)	-36.38	1,446.16	1,127,054.00	1,057.00	942.68
Net Margin (%)	-19.26	30.67	23.23	22.81	20.67
RoE (%)	-16.04	15.94	20.82	11.56	11.99
Price to Earnings	--	12.22	13.72	11.57	11.29
Price-To-Book	0.65	1.84	3.11	1.34	1.32

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement ($ Mln)

	First Guaranty Bancshares (FGBI)	East West Bancorp (EWBC)	Banco Santander - Chile ADS - ADR	First Horizon National Corporation (FHN)	UMB Financial (UMBF)
Operating Revenue	188.93	4,715.66	4,850,848.00	4,633.00	4,560.44
Cost of Revenue	151.20	1,782.73	1,785,978.00	1,142.00	1,894.76
Gross Profit	-12.11	2,736.64	2,275,837.00	3,356.00	2,417.68
Operating Expenses	83.14	1,075.90	1,693,275.00	2,106.00	1,655.26
Operating Profit (EBIT)	-45.41	1,857.03	1,371,595.00	1,385.00	1,008.74
Other Income	0.00	0.00	0.00	0.00	0.00
Profit before Tax	-43.20	1,857.03	1,371,595.00	1,370.00	1,188.54
Provision for Tax	-6.83	410.87	219,797.00	298.00	245.86
Profit after Tax (Net Income)	-36.38	1,446.16	1,127,054.00	1,057.00	942.68
Minority Interest	0.00	0.00	-24,744.00	-16.00	0.00
Consolidated Profit	0.00	0.00	0.00	511.00	0.00

Liabilities ($ Mln)

	First Guaranty Bancshares (FGBI)	East West Bancorp (EWBC)	Banco Santander - Chile ADS - ADR	First Horizon National Corporation (FHN)	UMB Financial (UMBF)
Shareholder's Funds	227.35	9,245.93	4,974,214.00	9,168.00	8,030.79
Minority Interest	0.00	0.00	-24,744.00	-16.00	0.00
Non-Current Liabilities	3,660.43	4,588.90	29,508,900.00	71,971.00	61,141.17
Current Liabilities	7.23	69,657.16	35,676,111.00	3,003.00	3,083.60
Total Liabilities	4,078.32	80,435.00	68,147,280.00	83,876.00	73,094.09

Assets ($ Mln)

	First Guaranty Bancshares (FGBI)	East West Bancorp (EWBC)	Banco Santander - Chile ADS - ADR	First Horizon National Corporation (FHN)	UMB Financial (UMBF)
Non-Current Assets	74.87	62,184.44	60,607,845.00	83,403.00	71,475.68
Current Assets	2,006.87	21,277.31	9,715,486.00	1,034.00	779.88
Total Assets	4,078.32	80,435.00	68,147,280.00	83,876.00	73,094.09
Total Debt*	186.28	3,992.35	13,883,464.00	4,324.00	3,563.73
Net Current Assets	0.00	0.00	0.00	0.00	0.00

Cashflow ($ Mln)

	First Guaranty Bancshares (FGBI)	East West Bancorp (EWBC)	Banco Santander - Chile ADS - ADR	First Horizon National Corporation (FHN)	UMB Financial (UMBF)
Cash From Operating Activities	-8.28	1,501.70	704,904.49	988.00	1,026.69
Cash Flow from Investing Activities	129.90	-5,476.51	-1,292,537.89	-1,454.00	-5,620.10
Cash from Financing Activities	159.88	2,897.23	-50,055.82	524.00	3,916.69
Net Cash Inflow / Outflow	--	--	--	--	--

Ratios

Profitability Ratios

	First Guaranty Bancshares (FGBI)	East West Bancorp (EWBC)	Banco Santander - Chile ADS - ADR	First Horizon National Corporation (FHN)	UMB Financial (UMBF)
ROCE (%)	-12.89	11.26	4.87	7.33	7.82
ROE (%)	-16.04	15.94	20.82	11.56	11.99
ROA (%)	-0.65	1.54	1.46	1.18	1.20
EBIT Margin (%)	-26.34	39.38	28.28	22.53	22.12
Net Margin (%)	-19.26	30.67	23.23	22.81	20.67
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

Growth Ratios

	First Guaranty Bancshares (FGBI)	East West Bancorp (EWBC)	Banco Santander - Chile ADS - ADR	First Horizon National Corporation (FHN)	UMB Financial (UMBF)
Revenue Growth (%)	-19.14	16.07	19.86	-3.82	41.55
EBIT Growth (%)	-260.34	20.70	5.51	-3.78	55.53
Net Profit Growth (%)	-245.41	21.24	5.79	25.39	78.41
EPS Growth (%)	-238.02	21.72	7.64	33.89	41.16
Book Value Growth (%)	-31.66	12.91	10.19	9.54	10.01

Valuation Ratios

	First Guaranty Bancshares (FGBI)	East West Bancorp (EWBC)	Banco Santander - Chile ADS - ADR	First Horizon National Corporation (FHN)	UMB Financial (UMBF)
Price / Earnings	-1.47	11.80	0.01	12.06	12.53
Price / Book Value	0.65	1.84	0.00	1.34	1.32
Dividend Yield (%)	0.51	2.23	--	--	1.25
EV/EBITDA	12.48	3.26	6.70	8.83	3.78
Market Cap ($ Cr)	--	--	--	--	--

Solvency Ratios

	First Guaranty Bancshares (FGBI)	East West Bancorp (EWBC)	Banco Santander - Chile ADS - ADR	First Horizon National Corporation (FHN)	UMB Financial (UMBF)
Debt to Equity	0.79	0.33	2.13	0.14	0.03
Short term debt to equity ratio	0.03	0.10	0.65	0.33	0.38
Current Ratio	277.69	0.31	0.27	0.34	0.25
Quick Ratio	277.69	0.31	0.27	0.34	0.25
Interest Coverage	0.65	2.13	1.79	1.93	1.83

Operating Efficiency Ratios

	First Guaranty Bancshares (FGBI)	East West Bancorp (EWBC)	Banco Santander - Chile ADS - ADR	First Horizon National Corporation (FHN)	UMB Financial (UMBF)
Debtors to sales (%)	6.29	0.00	3.82	0.00	0.00
Asset Turnover	0.03	0.05	0.06	0.05	0.06
Receivable days	229.07	24.86	54.29	4,646.62	34.96
Inventory Days	--	--	--	--	--
Payable days	33.42	--	90.12	15,129.51	--
Cash Conversion Cycle	--	--	--	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Annual
Quarterly