Foresight Financial
Foresight Financial Group, Inc. provides banking services to individuals and businesses through its facilities in the Rockford, Freeport, German Valley, Davis, Lena, Winnebago, Pecatonica, Kankakee, Loves Park, Machesney Park, Belvidere, and Herscher, and Illinois areas. Its deposit products include demand deposits and certificates of deposit; and loan portfolio comprises agricultural, agribusine… Read more
Foresight Financial (FGFH) - Net Assets
Latest net assets as of December 2025: $170.26 Million USD
Based on the latest financial reports, Foresight Financial (FGFH) has net assets worth $170.26 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.67 Billion) and total liabilities ($1.50 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $170.26 Million |
| % of Total Assets | 10.2% |
| Annual Growth Rate | 7.88% |
| 5-Year Change | 10.69% |
| 10-Year Change | 65.06% |
| Growth Volatility | 30.35 |
Foresight Financial - Net Assets Trend (2000–2025)
This chart illustrates how Foresight Financial's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Foresight Financial (2000–2025)
The table below shows the annual net assets of Foresight Financial from 2000 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $170.26 Million | +20.87% |
| 2023-12-31 | $140.86 Million | +10.71% |
| 2022-12-31 | $127.23 Million | -18.04% |
| 2021-12-31 | $155.23 Million | +0.91% |
| 2020-12-31 | $153.82 Million | +9.28% |
| 2019-12-31 | $140.76 Million | +12.21% |
| 2018-12-31 | $125.44 Million | +6.87% |
| 2017-12-31 | $117.38 Million | +8.44% |
| 2016-12-31 | $108.24 Million | +4.93% |
| 2015-12-31 | $103.15 Million | +9.76% |
| 2014-12-31 | $93.98 Million | +11.59% |
| 2013-12-31 | $84.23 Million | +0.81% |
| 2012-12-31 | $83.55 Million | -13.51% |
| 2011-12-31 | $96.60 Million | +11.00% |
| 2010-12-31 | $87.03 Million | +128.19% |
| 2002-12-31 | $38.14 Million | +16.04% |
| 2001-12-31 | $32.87 Million | +28.48% |
| 2000-12-31 | $25.58 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Foresight Financial's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 962.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $189.94 Million | 111.56% |
| Total Equity | $170.26 Million | 100.00% |
Foresight Financial Competitors by Market Cap
The table below lists competitors of Foresight Financial ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
SIS LIMITED
NSE:SIS
|
$107.59 Million |
|
Enter Air Sp. z o.o
F:10N
|
$107.59 Million |
|
Feintool International Holding AG
PINK:FEIOF
|
$107.69 Million |
|
Tongda Smart Tech (Xiamen) Co. Ltd. A
SHE:001368
|
$107.70 Million |
|
Bapcor Ltd
AU:BAP
|
$107.46 Million |
|
Reconnaissance Energy Africa Ltd
OTCQX:RECAF
|
$107.46 Million |
|
Yung Chi Paint & Varnish Mfg Co Ltd
TW:1726
|
$107.45 Million |
|
Gesco AG
XETRA:GSC1
|
$107.39 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Foresight Financial's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2025, total equity changed from 140,863,000 to 170,262,000, a change of 29,399,000 (20.9%).
- Net income of 7,868,000 contributed positively to equity growth.
- Other factors increased equity by 21,531,000.
Equity Change Factors (2023 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $7.87 Million | +4.62% |
| Other Changes | $21.53 Million | +12.65% |
| Total Change | $- | 20.87% |
Book Value vs Market Value Analysis
This analysis compares Foresight Financial's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.68x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $0.00 | $32.00 | x |
| 2016-12-31 | $0.00 | $32.00 | x |
| 2017-12-31 | $0.00 | $32.00 | x |
| 2018-12-31 | $0.00 | $32.00 | x |
| 2019-12-31 | $39.51 | $32.00 | x |
| 2020-12-31 | $43.18 | $32.00 | x |
| 2021-12-31 | $43.57 | $32.00 | x |
| 2022-12-31 | $35.71 | $32.00 | x |
| 2023-12-31 | $39.44 | $32.00 | x |
| 2025-12-31 | $47.21 | $32.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Foresight Financial utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.62%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 12.86%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 9.80x
- Recent ROE (4.62%) is below the historical average (8.13%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 6.96% | 6.95% | 0.07x | 13.51x | $-777.82K |
| 2001 | 8.96% | 8.84% | 0.07x | 13.73x | $-340.60K |
| 2002 | 12.11% | 14.41% | 0.07x | 12.18x | $806.30K |
| 2010 | 6.68% | 12.41% | 0.06x | 9.71x | $-2.89 Million |
| 2011 | 6.80% | 13.97% | 0.05x | 9.17x | $-3.09 Million |
| 2012 | 4.12% | 7.64% | 0.05x | 10.58x | $-4.91 Million |
| 2013 | 8.12% | 16.28% | 0.05x | 10.35x | $-1.58 Million |
| 2014 | 8.79% | 19.85% | 0.05x | 9.82x | $-1.14 Million |
| 2015 | 10.22% | 28.05% | 0.03x | 10.44x | $228.60K |
| 2016 | 9.18% | 24.49% | 0.04x | 10.49x | $-891.40K |
| 2017 | 7.88% | 21.89% | 0.04x | 9.92x | $-2.49 Million |
| 2018 | 9.06% | 25.79% | 0.04x | 9.41x | $-1.18 Million |
| 2019 | 7.83% | 24.53% | 0.04x | 8.62x | $-3.05 Million |
| 2020 | 6.69% | 20.99% | 0.04x | 9.00x | $-5.09 Million |
| 2021 | 7.34% | 22.45% | 0.03x | 9.37x | $-4.14 Million |
| 2022 | 10.71% | 25.20% | 0.04x | 11.61x | $902.90K |
| 2023 | 10.33% | 25.60% | 0.04x | 11.18x | $459.70K |
| 2025 | 4.62% | 12.86% | 0.04x | 9.80x | $-9.16 Million |
Industry Comparison
This section compares Foresight Financial's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Foresight Financial (FGFH) | $170.26 Million | 6.96% | 8.80x | $107.56 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |