Is FGBI or FISI more undervalued in 2026?

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

Which is a better buy — FGBI or FISI?

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 FISI valuations compare?

FGBI at $10.09 and FISI at $35.81 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FGBI vs FISI 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

FISI

Banks - Regional

Financial Institutions, Inc.

Quality

8.1

out of 10

Value Trap

SAFE

Price

$35.81

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	FGBI Fair Value	FGBI Upside	FISI Fair Value	FISI Upside
Bayesian DCF	Intrinsic	$39.71	+293.6%	$6.02	-83.2%
Earnings Power Value	Intrinsic	—	—	$17.14	-52.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$5.37	-46.8%	$40.46	+13.0%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for FGBI vs FISI — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

FGBI vs FISI — Which Stock Is More Undervalued?

FISI 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 Financial Institutions, Inc. (FISI) 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 FISI trades at $35.81 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).