` Comparison: FGBI vs HLAN - Alpha Spread
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FGBI
vs
HLAN

Over the past 12 months, FGBI has outperformed HLAN, delivering a return of +5% compared to the HLAN's 2% drop.

Valuation Growth Profitability Solvency Stocks Performance
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FGBI
HLAN
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Stocks Compared:
FGBI HLAN
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Valuation Comparison

FGBI Intrinsic Value
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HLAN Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
First Guaranty Bancshares Inc
NASDAQ:FGBI
8.12 USD
Heartland Banccorp
OTC:HLAN
18 700 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FGBI, HLAN

FGBI
HLAN
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
First Guaranty Bancshares Inc
Revenue
Heartland Banccorp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
FGBI, HLAN

FGBI
HLAN
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
First Guaranty Bancshares Inc
NASDAQ:FGBI
FCF is not applicable for financial companies
Heartland Banccorp
OTC:HLAN
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What is Free Cash Flow?

Gross Margin

FGBI
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
Heartland Banccorp

Operating Margin

FGBI
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
Heartland Banccorp

Net Margin

FGBI
-60.9%
HLAN
0%

FCF Margin

FGBI
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
Heartland Banccorp

ROE

FGBI
-25%
HLAN
0%

ROA

FGBI
-1.5%
HLAN
0%

ROIC

FGBI
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
Heartland Banccorp

ROCE

FGBI
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
Heartland Banccorp

Solvency Comparison

First Guaranty Bancshares Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Heartland Banccorp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FGBI, HLAN

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FGBI
HLAN
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Performance Gap
FGBI, HLAN

Performance Gap Between FGBI and HLAN
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Performance By Year
FGBI, HLAN

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FGBI
HLAN
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