First Bankers Trustshares, Inc (FBTT) Fair Value & Analysis
Financial Services · US · Market cap $72.2M
Fair value as of: Jun 26, 2026
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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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.