First Guaranty Bancshares, Inc. (NASDAQ:FGBI) presents concerning financial metrics, revealing a Return on Invested Capital (ROIC) of -0.58% alongside a Weighted Average Cost of Capital (WACC) of 36.53%.

When compared to peers like Bankwell Financial and Investar Holding Corporation, FGBI lags significantly in capital efficiency, leading to grave concerns regarding its overall financial viability.