First Guaranty Bancshares, Inc. (FGBI) — Cash Flow-to-Debt Ratio
First Guaranty Bancshares, Inc. (FGBI) has a Cash Flow-to-Debt Ratio of 0.00x as of June 2026, meaning its operating cash flow of $-709.00K could theoretically repay 0% of its total liabilities ($3.67 Billion) in one year. See First Guaranty Bancshares, Inc. financial flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
First Guaranty Bancshares, Inc. Cash Flow-to-Debt Ratio (2006–2025)
Historical debt coverage capacity for First Guaranty Bancshares, Inc. across 20 annual periods. For the full cash flow conversion analysis, see FGBI operating cash flow.
Annual Cash Flow-to-Debt Ratio for First Guaranty Bancshares, Inc. (2006–2025)
Year-by-year debt coverage analysis for First Guaranty Bancshares, Inc.. Check FGBI cash flow quality score to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.00x | $-8.28 Million | $3.85 Billion | ▼ -123.7% |
| 2024 | 0.01x | $33.73 Million | $3.72 Billion | ▲ +38.0% |
| 2023 | 0.01x | $21.71 Million | $3.30 Billion | ▼ -48.0% |
| 2022 | 0.01x | $36.87 Million | $2.92 Billion | ▲ +26.5% |
| 2021 | 0.01x | $26.52 Million | $2.65 Billion | ▼ -3.5% |
| 2020 | 0.01x | $23.76 Million | $2.29 Billion | ▼ -30.5% |
| 2019 | 0.01x | $29.08 Million | $1.95 Billion | ▼ -7.4% |
| 2018 | 0.02x | $26.89 Million | $1.67 Billion | ▲ +110.7% |
| 2017 | 0.01x | $12.28 Million | $1.61 Billion | ▼ -52.6% |
| 2016 | 0.02x | $22.21 Million | $1.38 Billion | ▲ +25.7% |
| 2015 | 0.01x | $17.21 Million | $1.34 Billion | ▲ +5.4% |
| 2014 | 0.01x | $16.79 Million | $1.38 Billion | ▼ -6.9% |
| 2013 | 0.01x | $17.17 Million | $1.31 Billion | ▼ -1.5% |
| 2012 | 0.01x | $16.90 Million | $1.27 Billion | ▼ -9.3% |
| 2011 | 0.01x | $17.97 Million | $1.23 Billion | ▼ -8.6% |
| 2010 | 0.02x | $16.58 Million | $1.03 Billion | ▲ +430.2% |
| 2009 | 0.00x | $2.53 Million | $835.91 Million | ▼ -87.6% |
| 2008 | 0.02x | $19.56 Million | $805.75 Million | ▼ -57.7% |
| 2007 | 0.06x | $42.48 Million | $740.80 Million | ▲ +163.3% |
| 2006 | 0.02x | $14.27 Million | $655.28 Million | — |