First Guaranty Bancshares, Inc. (FGBI) — Cash Flow Quality Index
First Guaranty Bancshares, Inc. (FGBI) has a Cash Flow Quality Index of -0.21x as of June 2026. Operating cash flow of $-709.00K is below net income of $3.43 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore First Guaranty Bancshares, Inc. debt service capacity to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see cash flow conversion of First Guaranty Bancshares, Inc..
Annual Cash Flow Quality Index for First Guaranty Bancshares, Inc. (2005–2024)
Year-by-year earnings quality comparison for First Guaranty Bancshares, Inc..
| 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 | — |