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First Bankers Trustshares, Inc (FBTT) Fair Value & Analysis

Financial Services · US · Market cap $72.2M

Price$24.00
Fair Value$29.06
Upside+21.1%
Quality95/100
Evidence: High Range $21.80 – $36.33

Fair value as of: Jun 26, 2026

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Analysis

First Bankers Trustshares, Inc (FBTT) currently trades at $24.00, while our model-based Fair Value estimate is $29.06 — implying the stock looks roughly 21.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

First Bankers Trustshares, Inc. operates as the bank holding company for First Bankers Trust Company, N.A. that provides financial products and services to retail, institutional, and corporate customers. The company operates through Commercial Operating, Commercial Real Estate, Agricultural Operating, Agricultural Real Estate, Construction and Land Development, Real Estate Secured by 1-4 and Multi-Family, and Consumer segments. It accepts various deposit products, such as checking accounts, savings accounts, money market, certificates of deposit, and individual retirement accounts. The company's lending services comprise commercial, consumer, and mortgage lending. In addition, it offers home equity lines of credit; and financing, such as term/equipment, real estate, line of credit, revolving line of credit, letter of credit, business credit cards, and government assisted and SBA loans, as well as refinancing loans. Further, the company provides overdraft protection services, direct …

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Frequently asked questions

Is First Bankers Trustshares, Inc (FBTT) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $29.06 versus a price of $24.00 — about +21% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FBTT?
Our 21-model fair value for First Bankers Trustshares, Inc is $29.06 (as of Jun 26, 2026), built from audited fundamentals. The current price is $24.00.
What is the quality score of FBTT?
First Bankers Trustshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.