Is FFIN or FGBI more undervalued in 2026?

CirclFi compares First Financial Bankshares, Inc (FFIN) and First Guaranty Bancshares, Inc. (FGBI) using 13 institutional-grade valuation models. FFIN has a Quality of Company score of 8.7/10 while FGBI scores 7.3/10.

Which is a better buy — FFIN or FGBI?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FFIN and FGBI valuations compare?

FFIN at $32.70 and FGBI at $10.09 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FFIN vs FGBI Valuation Comparison 2026 — Intrinsic Value Analysis

FFIN

Banks - Regional

First Financial Bankshares, Inc

Quality

8.7

out of 10

Value Trap

SAFE

Price

$32.70

Last close

Models

12/13

Active

FGBI

Banks - Regional

First Guaranty Bancshares, Inc.

Quality

7.3

out of 10

Value Trap

SAFE

Price

$10.09

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	FFIN Fair Value	FFIN Upside	FGBI Fair Value	FGBI Upside
Bayesian DCF	Intrinsic	$15.42	-52.8%	$39.71	+293.6%
Earnings Power Value	Intrinsic	$19.60	-40.1%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$24.26	-25.8%	$5.37	-46.8%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FFIN vs FGBI — Which Stock Is More Undervalued?

FFIN scores higher with a 8.7/10 quality rating vs FGBI's 7.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing First Financial Bankshares, Inc (FFIN) and First Guaranty Bancshares, Inc. (FGBI) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FFIN currently trades at $32.70 with a QOC of 8.7/10, while FGBI trades at $10.09 with a QOC of 7.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).