First Guaranty Bancshares, Inc. (FGBI)

First Guaranty Bancshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-36.38	-56.02	12.45	9.22	28.88	27.3
Depreciation & Amortization	4.1	4.29	4.43	4.03	4.11	4.78
Gain (Loss) on Sale of Assets	1.12	1.06	-14.14	0.12	-1.76	-0.43
Gain (Loss) on Sale of Investments	-3.13	-3.13	-2.56	0.99	1.82	-0.82
Total Asset Writedown	12.9	12.9	-	-	-	-
Provision for Credit Losses	55.82	81.73	20.03	3.71	3.66	2.06
Change in Other Net Operating Assets	5.91	-51.59	14.01	4.01	0.18	-6.35
Other Operating Activities	14.19	2.48	-0.5	-0.36	-0.02	-0.01
Operating Cash Flow	54.53	-8.28	33.73	21.71	36.87	26.52
Operating Cash Flow Growth	400.02%	-	55.33%	-41.10%	39.01%	11.62%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-16.03	-1.7	-3.04	-14.86	-2.64	-2.2
Sale of Property, Plant and Equipment	1.47	1.14	14.98	0.32	0.07	0.08
Investment in Securities	-500.31	-386.39	-196.24	49.07	-100.07	-133.51
Purchase / Sale of Intangibles	-	-	-	-0.1	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	539.51	516.7	36.83	-234.12	-362.54	-320.35
Other Investing Activities	-	-	4.46	-6.5	-5.15	2.01
Investing Cash Flow	31.82	129.9	-142.07	-206.09	-467.91	-452.65

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	0.11	-	-	140	-
Long-Term Debt Issued	-	-	29.7	195.1	-	-
Total Debt Issued	0.11	0.11	29.7	195.1	140	-
Short-Term Debt Repaid	-	-	-59.29	-80.15	-	-49.68
Long-Term Debt Repaid	-	-1.01	-44.03	-22.95	-5.78	-17.32
Total Debt Repaid	-	-1.01	-103.32	-103.09	-5.78	-67
Net Debt Issued (Repaid)	0.11	-0.9	-73.62	92.01	134.22	-67
Issuance of Common Stock	7.49	7.05	-	20	-	-
Preferred Stock Issued	-	-	-	-	-	33.06
Common Dividends Paid	-0.63	-0.56	-5.13	-7.37	-6.86	-6.39
Preferred Dividends Paid	-2.33	-2.33	-2.33	-2.33	-2.33	-1.38
Total Dividends Paid	-2.96	-2.89	-7.46	-9.7	-9.19	-7.78
Net Increase (Decrease) in Deposit Accounts	-24.29	156.62	467.17	285.3	127.3	430.17
Financing Cash Flow	-19.65	159.88	386.09	387.61	252.33	388.45

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	66.71	281.49	277.75	203.24	-178.71	-37.67

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	38.5	-9.98	30.69	6.86	34.22	24.32
Free Cash Flow Growth	274.75%	-	347.37%	-79.96%	40.74%	39.38%
Free Cash Flow Margin	102.12%	-72.88%	32.94%	7.49%	31.87%	24.73%
Free Cash Flow Per Share	2.46	-0.71	2.46	0.61	3.19	2.27

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	124.61	129.14	124.64	90.79	36.73	23.11
Cash Income Tax Paid	0.05	4.15	-	3.43	7.62	11.44

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 29, 2026

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