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 investment intensity of First Guaranty Bancshares, Inc. to see how much of total assets are deployed in long-term investments.
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 First Guaranty Bancshares, Inc. (FGBI) tangible net worth to evaluate the tangible quality of the company's equity base.
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 First Guaranty Bancshares, Inc. (FGBI) 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 | — |