First Guaranty Bancshares, Inc. (FGBI) — Cash Flow Quality Index
First Guaranty Bancshares, Inc. (FGBI) has a Cash Flow Quality Index of -10.11x as of December 2025. Operating cash flow of $-24.78 Million is below net income of $2.45 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore how efficiently does First Guaranty Bancshares, Inc. generate cash to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
First Guaranty Bancshares, Inc. Cash Flow Quality Index (2005–2024)
Historical Cash Flow Quality Index for First Guaranty Bancshares, Inc. across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check total reinvestment intensity of First Guaranty Bancshares, Inc. to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for First Guaranty Bancshares, Inc. (2005–2024)
Year-by-year earnings quality comparison for First Guaranty Bancshares, Inc.. For live market cap and the full company financial profile, see FGBI stock market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 2.71x | $33.73 Million | $12.45 Million | ▲ +15.0% |
| 2023 | 2.36x | $21.71 Million | $9.22 Million | ▲ +84.5% |
| 2022 | 1.28x | $36.87 Million | $28.88 Million | ▲ +31.4% |
| 2021 | 0.97x | $26.52 Million | $27.30 Million | ▼ -16.9% |
| 2020 | 1.17x | $23.76 Million | $20.32 Million | ▼ -42.7% |
| 2019 | 2.04x | $29.08 Million | $14.24 Million | ▲ +7.9% |
| 2018 | 1.89x | $26.89 Million | $14.21 Million | ▲ +81.1% |
| 2017 | 1.04x | $12.28 Million | $11.75 Million | ▼ -33.7% |
| 2016 | 1.58x | $22.21 Million | $14.09 Million | ▲ +32.8% |
| 2015 | 1.19x | $17.21 Million | $14.51 Million | ▼ -20.7% |
| 2014 | 1.50x | $16.79 Million | $11.22 Million | ▼ -20.3% |
| 2013 | 1.88x | $17.17 Million | $9.15 Million | ▲ +33.9% |
| 2012 | 1.40x | $16.90 Million | $12.06 Million | ▼ -37.4% |
| 2011 | 2.24x | $17.97 Million | $8.03 Million | ▲ +35.3% |
| 2010 | 1.65x | $16.58 Million | $10.03 Million | ▲ +397.3% |
| 2009 | 0.33x | $2.53 Million | $7.59 Million | ▼ -90.6% |
| 2008 | 3.55x | $19.56 Million | $5.51 Million | ▼ -14.3% |
| 2007 | 4.14x | $42.48 Million | $10.26 Million | ▲ +155.3% |
| 2006 | 1.62x | $14.27 Million | $8.80 Million | ▼ -32.3% |
| 2005 | 2.40x | $14.43 Million | $6.02 Million | — |