Financial Review: Axos Financial (NASDAQ:AX) vs. First Guaranty Bancshares (NASDAQ:FGBI)


Axos Financial (NASDAQ:AXGet a rating) and First Guaranty Bancshares (NASDAQ: FGBIGet a rating) are both finance companies, but which stock is superior? We’ll compare the two companies based on their dividend strength, risk, analyst recommendations, profitability, institutional ownership, earnings and valuation.

Analyst Recommendations

This is a summary of recent ratings and price targets for Axos Financial and First Guaranty Bancshares, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Axos Financial 0 0 0 0 N / A
First Guaranty Bancshares 0 0 0 0 N / A

Insider and Institutional Ownership

76.2% of Axos Financial shares are held by institutional investors. By comparison, 7.3% of First Guaranty Bancshares shares are held by institutional investors. 4.7% of Axos Financial shares are held by company insiders. By comparison, 42.7% of shares in First Guaranty Bancshares are held by insiders of the company. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a company will outperform the market over the long term.

Benefits and evaluation

This table compares the revenue, earnings per share and valuation of Axos Financial and First Guaranty Bancshares.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Axos Financial $723.12 million 3.11 $215.71 million $3.91 9.64
First Guaranty Bancshares $122.68 million 2.38 $27.30 million $2.60 10:46

Axos Financial has higher revenue and profit than First Guaranty Bancshares. Axos Financial trades at a lower price-to-earnings ratio than First Guaranty Bancshares, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Axos Financial has a beta of 1.45, indicating that its stock price is 45% more volatile than the S&P 500. In comparison, First Guaranty Bancshares has a beta of 0.38, indicating that its stock price is 62% less volatile than the S&P 500.


This table compares the net margins, return on equity and return on assets of Axos Financial and First Guaranty Bancshares.

Net margins Return on equity return on assets
Axos Financial 32.23% 16.41% 1.61%
First Guaranty Bancshares 23.43% 16.05% 1.06%


Axos Financial beats First Guaranty Bancshares on 9 of the 11 factors compared between the two stocks.

About Axos Financial (Get a rating)

Axos Financial, Inc., together with its subsidiaries, provides retail and corporate banking products in the United States. It operates through Banking Business and Securities Business segments. The Company offers deposit products, including personal and business checking accounts, current accounts, savings accounts, term deposits, money market, zero balances and cash transfer accounts. insured. It also offers single-family, multi-family and commercial mortgages; secured commercial real estate loans; commercial and industrial non-real estate, asset-backed, lines of credit and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and security-backed loans. Additionally, the company offers ACH issuance, wire transfer, business check printing, business bill payment, and account transfer; remote deposit entry, mobile deposit, safe, merchant and online payment portal; concierge banking services; mobile banking and SMS; and payment services, as well as debit and credit cards and digital wallets. Additionally, it provides disclosed clearing services; back office services, such as record keeping, business reporting, accounting, general back office support, securities and margin lending, reorganization assistance and securities custody; and financing to brokerage clients. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.

About First Guaranty Bancshares (Get a rating)

First Guaranty Bancshares logoFirst Guaranty Bancshares, Inc. is the holding company of First Guaranty Bank which provides commercial banking services in Louisiana and Texas. It offers various deposit products, including personal and business checking accounts, savings, money market and demand accounts, as well as term deposits to consumers, small businesses and municipalities. The company also provides loans, such as non-agricultural and non-residential loans secured by real estate, commercial and industrial loans, residential loans for one to four families, multi-family loans, construction and development loans. loans, agricultural loans, agricultural land loans, and consumer and other loans to small and medium enterprises, professionals and individuals. In addition, it offers a range of consumer services, including credit cards, mobile deposit capture, safe deposit boxes, official checks, online and mobile banking, ATMs, and online bill payment. line ; provides additional solutions, such as merchant services, remote deposit capture and vault services to business customers; and invests a portion of its assets in securities issued by the United States government and its agencies, state and municipal bonds, corporate debt securities, mutual funds and equity securities, and investments in mortgage-backed securities primarily issued or guaranteed by United Agencies or state government enterprises. The company operates through 36 banking locations primarily located in the market service areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, Alexandria, Dallas-Fort Worth-Arlington, Waco, Kentucky and West Virginia. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.

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