First Guaranty Bancshares (FGBI) Interest Coverage Ratio (2010 - 2026)
First Guaranty Bancshares' (FGBI) Interest Coverage Ratio came in at 1.15 for Q2 2026, up 63.2% from 0.70 a year earlier and up 3.4% from the prior quarter.
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Analysis
First Guaranty Bancshares (FGBI) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Interest Coverage Ratio at First Guaranty Bancshares was 0.65, down 27.8% year-over-year; for FY2025, it was 0.46, down 59.2% from FY2024.
- Annual Interest Coverage Ratio has declined for four consecutive years.
- In prior years, First Guaranty Bancshares' Interest Coverage Ratio was 1.12 in FY2024 (-0.1%), 1.12 in FY2023 (-43.8%), 2.00 in FY2022 (-21.6%) and 2.55 in FY2021 (+28.4%).
- The Q2 2026 figure stands as the highest quarterly Interest Coverage Ratio since Q2 2024.
- On a year-over-year basis, Interest Coverage Ratio has increased in each of the last three quarters, with growth averaging 5.3% over the last seven quarters.
- The strongest year-over-year quarter for Interest Coverage Ratio in the past five years was Q2 2026, with growth of 63.2%; the weakest was Q2 2023, with a decline of 56.5%.
- According to Business Quant data, Interest Coverage Ratio for the three prior quarters was 1.11 (Q1 2026), 1.09 (Q4 2025) and -0.73 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 2.10 |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | -2.12 |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 1.65 |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | 1.56 |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | 1.43 |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | 0.56 |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | 1.47 |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 1.73 |
| 10 | First Guaranty Bancshares | 127.77 Mn | 127.77 Mn | - | 1.15 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.15 |
| Mar 31, 2026 | 1.11 |
| Dec 31, 2025 | 1.09 |
| Sep 30, 2025 | -0.73 |
| Jun 30, 2025 | 0.70 |
| Mar 31, 2025 | 0.75 |
| Dec 31, 2024 | 1.03 |
| Sep 30, 2024 | 1.07 |
| Jun 30, 2024 | 1.29 |
| Mar 31, 2024 | 1.10 |
| Dec 31, 2023 | 1.06 |
| Sep 30, 2023 | 1.09 |
| Jun 30, 2023 | 1.15 |
| Mar 31, 2023 | 1.24 |
| Dec 31, 2022 | 1.43 |
| Sep 30, 2022 | 2.04 |
| Jun 30, 2022 | 2.65 |
| Mar 31, 2022 | 2.74 |
| Dec 31, 2021 | 2.87 |
| Sep 30, 2021 | 2.76 |
API Access
First Guaranty Bancshares Interest Coverage Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=FGBI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-ratio", "ticker": "FGBI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=FGBI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();