Oversold

FGBI

Same as last week
Valuation50/ 100
Cash flow & growth27/ 100
Upside potential36/ 100
Risk potential40/ 100

FGBI's valuation appears fair, below average fundamentals limit its appeal and weaker than expected earnings are holding it back, though analyst coverage is limited.

Valuation

Valuation stays neutral because earnings are difficult to compare across periods. Business trends, outlook and financial risk still contribute to the overall score.

Cash flow & growth

Business trends are weak. Over the past year: revenue -19.1%, operating margin -18.1 percentage points. The business score is 26.5/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Weaker business results limit upside support. Price history provides the reference because earnings are difficult to compare.

The calculation starts with the stock’s typical weekly price movements, adjusted for business performance and outlook. Unusually large jumps have less influence. The result is 21.9% upside, or about $10.41.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Historical price swings are the main risk driver, even without a sharp profit decline.

The stock’s historical price swings drive this figure. Price history and operating stress provide the reference because comparable earnings do not support a future PE target. Operating stress reflects revenue, earnings, margins, outlook and relevant debt exposure. The larger stress gives 39.8% downside, or about $5.14, with a 15% minimum.

This is a scenario based on our model, not a forecast or probability.

FGBI vs Historical averages

MetricCurrentAverageRelative
PE60x12x409% higher
PE percentile975095% higher
EPS-$2.58$0.85404% lower
FCF$53.2M$21.3M149% higher
Loading historical comparisons…

FGBI’s fundamentals are mixed relative to their historical averages, while its earnings multiple is higher.

FGBI Forward outlook

MetricOutlook
Forward valuationDeteriorating
Forward earningsDecline
Forward revenueStrong decline
Forward profitability--
Analyst coverageLimited
Estimate dispersionTight

FGBI’s outlook is weakening, with weaker expected earnings weighing on the picture.

FGBI PE Valuation

Loading pe valuation table…

This table applies FGBI's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

FGBI Earnings Per Share

Loading earnings per share…

This chart tracks FGBI's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

FGBI Quarterly Revenue

Loading quarterly revenue…

This chart tracks FGBI's quarterly revenue over time and shows how sales are changing from year to year.

FGBI Free Cash Flow

Loading free cash flow…

This chart tracks FGBI's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

FGBI Total Shares

Loading shares over time…

This chart tracks changes in FGBI's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

FGBI Net Leverage

Loading net leverage…

Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

FGBI PE vs Financial Services Sector

Loading pe vs sector average…

This chart compares FGBI's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

FGBI Weekly Price

Loading weekly price…

This chart uses FGBI's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

FGBI Weekly Moving Averages

Loading weekly moving averages…

This chart compares FGBI's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

FGBI Yearly ROI

Loading yearly ROI…

Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.