Is FGBI or FHB more undervalued in 2026?

CirclFi compares First Guaranty Bancshares, Inc. (FGBI) and First Hawaiian, Inc. (FHB) using 13 institutional-grade valuation models. FGBI has a Quality of Company score of 7.3/10 while FHB scores 8.1/10.

Which is a better buy — FGBI or FHB?

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 FGBI and FHB valuations compare?

FGBI at $10.09 and FHB at $27.11 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FGBI vs FHB Valuation Comparison 2026 — Intrinsic Value Analysis

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

FHB

Banks - Regional

First Hawaiian, Inc.

Quality

8.1

out of 10

Value Trap

SAFE

Price

$27.11

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	FGBI Fair Value	FGBI Upside	FHB Fair Value	FHB Upside
Bayesian DCF	Intrinsic	$39.71	+293.6%	$23.43	-13.6%
Earnings Power Value	Intrinsic	—	—	$35.82	+32.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$5.37	-46.8%	$31.60	+16.6%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FGBI vs FHB — Which Stock Is More Undervalued?

FHB scores higher with a 8.1/10 quality rating vs FGBI's 7.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing First Guaranty Bancshares, Inc. (FGBI) and First Hawaiian, Inc. (FHB) 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.

FGBI currently trades at $10.09 with a QOC of 7.3/10, while FHB trades at $27.11 with a QOC of 8.1/10.

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).