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FGBI Dividend DRIP Calculator 2026
0.46% YieldFinancial ServicesFirst Guaranty Bancshares, Inc. · NASDAQ
Price: $8.70 · Annual div: $0.04/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: 2026-09-25
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🎯 When FGBI pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in FGBI → $72.7K in 10 years · $0.00/month
About First Guaranty Bancshares, Inc. (FGBI) — Dividend Analysis 2026
First Guaranty Bancshares, Inc. functions as the parent company for First Guaranty Bank, a financial institution delivering commercial banking services primarily across Louisiana and Texas. The bank offers a comprehensive suite of deposit products, including various checking accounts for personal and business use, savings accounts, money market accounts, demand deposits, and certificates of deposit (time deposits). These services are extended to individual consumers, small and medium-sized businesses, and municipal entities. Its lending portfolio is diverse, providing credit solutions such as real estate-backed loans (including commercial, non-farm non-residential, single-to-four-family residential, multifamily, construction, and land development), commercial and industrial loans, agricultural loans (including farmland), and other consumer loans. These are primarily aimed at small to medium-sized businesses, professionals, and individuals. Additionally, First Guaranty Bank provides numerous customer-centric services. Individuals can access credit cards, mobile check deposit, safe deposit boxes, official checks, robust online and mobile banking platforms, ATM services, and online bill payment. Business clients benefit from specialized solutions like merchant services, remote deposit capture, and lockbox services. A portion of the company's assets is strategically invested in various securities. This includes debt instruments issued by the United States Government and its agencies, state and municipal obligations, corporate bonds, mutual funds, and equity securities. It also allocates funds to mortgage-backed securities, predominantly those issued or guaranteed by U.S. Government agencies or enterprises. The company operates a network of 36 banking facilities. These are primarily located in significant market areas across Louisiana (including Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, and Alexandria) and Texas (notably Dallas-Fort Worth-Arlington and Waco), with a presence also extending to Kentucky and West Virginia. First Guaranty Bancshares, Inc. was established in 1934 and maintains its corporate headquarters in Hammond, Louisiana.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 FGBI Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FGBI.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 0.46% | -2.34% | $46 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 0.39% | -2.41% | $39 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 0.37% | -2.43% | $37 / yr |
| 🇬🇧 UK ISA | 0% | 0.46% | -2.34% | $46 / yr |
| 🇬🇧 UK Taxable | 8.75% | 0.42% | -2.38% | $42 / yr |
| 🇨🇦 TFSA | 0% | 0.46% | -2.34% | $46 / yr |
| 🇨🇦 CA Taxable | 25% | 0.35% | -2.45% | $35 / yr |
| 🇦🇺 Super (pension) | 15% | 0.39% | -2.41% | $39 / yr |
| 🇦🇺 AU Taxable | 30% | 0.32% | -2.48% | $32 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.34% | -2.46% | $34 / yr |
| 🇫🇷 FR Taxable | 30% | 0.32% | -2.48% | $32 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 FGBI Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.04/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 FGBI Dividend Payment Schedule
FGBI pays quarterly — 4 times per year. Ex-div: 2026-09-25.
📊 FGBI vs Financial Services Benchmarks
How FGBI compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FGBI sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FGBI Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2026-09-30 | 99,277 | $8.28 | $822.0K | ||
| Buy | 2026-09-17 | 500 | $17.60 | $8.8K | ||
| Buy | 2026-09-16 | 20 | $17.60 | $352.00 | ||
| Buy | 2026-09-15 | 570 | $17.75 | $10.1K | ||
| Buy | 2026-09-15 | 165 | $17.72 | $2.9K | ||
| Buy | 2026-09-15 | 125 | $17.72 | $2.2K | ||
| Buy | 2026-09-15 | 4,000 | $17.74 | $71.0K | ||
| Buy | 2026-09-10 | 6,000 | $7.88 | $47.3K | ||
| Buy | 2026-09-10 | 2,500 | $18.18 | $45.5K | ||
| Buy | 2026-09-09 | 250 | $18.25 | $4.6K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Peer Group
Similar companies in the same sectorCompare FGBI with peers: FGBI vs AUBN · FGBI vs CFSB · FGBI vs FNWB
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Insiders are net buyers — historically a positive signal for dividend sustainability. Last purchase: 2026-09-30
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the FGBI dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
First Guaranty Bancshares, Inc. (FGBI) is currently trading at $8.70, 21% below its 52-week high. The current dividend yield is 0.46% based on an annual payout of $0.04 per share.
FGBI (First Guaranty Bancshares, Inc.) — 0.46% Dividend Yield Analysis
First Guaranty Bancshares, Inc. (FGBI) is a financial services stock currently trading at $8.70 with a dividend yield of 0.46%. The company pays an annual dividend of $0.04 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, FGBI has grown its dividend at a compound annual rate of 50.0%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
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