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

Financial Services · US · Market cap $72.2M

A solid business, currently priced close to our fair value.

What matters now

• The price sits close to our fair value, market and models broadly agree here, little valuation tension.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $11.60 – $29.31 · fair‑value band $21.80 – $36.33 · the $28.50 price screens below the $29.06 fair value. Dashed = 300-day average. As of Jul 26, 2026.

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Analysis

First Bankers Trustshares, Inc (FBTT) currently trades at $28.50, while our model-based Fair Value estimate is $29.06, implying the stock looks roughly 2.0% fairly valued today. The Quality Score stands at 52/100 (solid 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.

Over the trailing twelve months, First Bankers Trustshares, Inc generated revenue of $38.4M at a net margin of 17.5%. Revenue grew 23.5% year over year. It earns a return on equity of 9.0%. Net debt stands at $93.5M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $21.80 (bear case) to $36.33 (bull case); at $28.50, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 84% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 2%, FBTT screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($29.06) versus Dividend Discount ($7.23). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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 deposits, debit and credit cards, safe deposit boxes, wire transfer services, and savings bonds; identity theft protection services; investment services; cash management services; and electronic banking services. First Bankers Trustshares, Inc. was founded in 1946 and is headquartered in Quincy, Illinois.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

First Bankers Trustshares, Inc reported revenue of $39.1M in FY2025 versus $32.5M in FY2021, a compound +4.8%/yr. Reported net income was $6.7M in FY2025, compounding −4.8%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

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.