📈 Net Income History (16 Quarters)
🧮 FGBI Net Income Breakdown
Understanding Net Income
Net income, also called the "bottom line" or net profit, is the money a company keeps after paying all expenses including cost of goods, operating costs, interest, and taxes. For FGBI, the trailing twelve month net income is $-36.4M.
Why Net Income Matters
Net income is the ultimate measure of accounting profitability. It determines earnings per share (EPS), affects stock valuations through the P/E ratio, and represents the theoretical amount available to shareholders. However, net income can be influenced by accounting choices, which is why value investors often look at cash flow metrics alongside it.
FGBI's net income growth rate of -12.62% (based on log-linear regression of 16 quarters) indicates significant profit decline, requiring investigation into causes.
Net Income vs Cash Flow Metrics
Free Cash Flow: $35.3M →
Actual cash generated after capital expenditures. FCF often differs from net income due to depreciation, working capital changes, and capex timing.
Owner Earnings: $35.3M →
Buffett's preferred metric that adds back depreciation but subtracts maintenance capex. Often considered more accurate than net income.
EPS (Diluted): $N/A →
Net income divided by diluted shares outstanding. The primary driver of the P/E ratio used in valuations.
Revenue: $208.1M →
The top line that net income is derived from. Net margin shows what percentage of revenue becomes profit.
P/E Ratio Analysis
FGBI's P/E ratio of N/A means investors pay $N/A for every $1 of annual earnings.
Net Margin: Profitability Efficiency
Net margin of -17.49% shows what percentage of FGBI's revenue converts to profit after all costs. Negative net margins indicate the company is losing money on operations.
Summary: FGBI Net Income Trend
FIRST GUARANTY BANCSHARES, INC. (FGBI) has a negative net margin of -17.49% — the company is currently loss-making at the bottom line. Net income trend: -12.62% annually — a material decline Zyberno treats as a concern requiring investigation. For complete financial analysis, view the full FGBI stock report on Zyberno.
Frequently Asked Questions
What is FGBI's current net income?
FIRST GUARANTY BANCSHARES, INC.'s TTM net income is $-36.4M, growing at -12.62% annually — a material decline Zyberno treats as a concern requiring investigation.
Is FGBI's net income growing?
FIRST GUARANTY BANCSHARES, INC. (FGBI) has a negative net margin of -17.49% — the company is currently loss-making at the bottom line. Net income trend: -12.62% annually — a material decline Zyberno treats as a concern requiring investigation.
What is FGBI's net profit margin?
FIRST GUARANTY BANCSHARES, INC. (FGBI) has a negative net margin of -17.49% — the company is currently loss-making at the bottom line. Net income trend: -12.62% annually — a material decline Zyberno treats as a concern requiring investigation.
What is FGBI's P/E ratio?
FGBI's P/E ratio is N/A, meaning the market values the company at N/A times its annual earnings.
How does net income differ from free cash flow?
Net income is an accounting measure that includes non-cash items like depreciation, while free cash flow shows actual cash generated. FGBI's net income is $-36.4M versus free cash flow of $35.3M. Large differences often indicate significant capital expenditures or working capital changes.
📊 Full FGBI Stock Report →
See FGBI's intrinsic value, margin of safety, DCF valuation, and complete financial analysis with 250+ metrics.
💵 FGBI Free Cash Flow →
Compare to Free Cash Flow which subtracts all capital expenditures, not just maintenance CapEx.
💰 FGBI Owner Earnings →
Compare to Buffett's Owner Earnings metric which uses maintenance CapEx instead of total capital expenditures.
📈 FGBI Earnings Per Share →
Analyze EPS trends, P/E ratio, earnings yield, and per-share profitability metrics.
🎯 FGBI Earnings Surprise (SUE) →
See whether FGBI is beating or missing its own earnings trend — Standardized Unexpected Earnings and post-earnings drift.
📊 FGBI Revenue →
Analyze revenue trends, growth rate, P/S ratio, and top-line sales performance.
💰 FGBI Net Income →
Analyze the bottom-line profit, P/E ratio, and net profit margin trends.
🔶 FGBI Operating Income →
Analyze EBIT, operating margin, and core business profitability before interest and taxes.
💜 FGBI Gross Profit →
Analyze gross margin, pricing power, and profitability before operating expenses.