First Bankers Trustshares, Inc. (FBTT) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 11.67 means the share price is 11.67 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $83.5M is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gpt-4o-mini, generated Jun 14, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerFirst Bankers Trustshares, Inc. (FBTT) trades at $27.78. First Bankers Trustshares, Inc. (FBTT) is a regional financial services provider based in Quincy, Illinois, focusing on community banking solutions. Market cap: $83.5M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for FBTT: FBTT does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FBTT against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
FBTT: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
First Bankers Trustshares, Inc. (FBTT) Financial Services Profile
First Bankers Trustshares, Inc. is a regional financial services company specializing in community banking, offering a diverse range of deposit and loan products tailored for retail, institutional, and corporate clients in West Central Illinois.
What Is the Investment Thesis for FBTT?
The company maintains a robust profit margin of 17.6% and a gross margin of 98.2%, reflecting efficient operations and strong pricing power in its service offerings. As the regional banking landscape continues to evolve, First Bankers Trustshares is well-positioned to capitalize on growth opportunities through its diverse product suite and established market presence. The company's dividend yield of 3.75% further enhances its attractiveness to income-focused investors. However, potential risks include liquidity concerns associated with its OTC market listing and regulatory challenges inherent in the financial services sector. Monitoring these factors will be essential for assessing the company's future performance.
Based on FMP financials and quantitative analysis
FBTT Key Highlights
Market capitalization of $83.5M, indicating a small-cap profile.
- P/E ratio of 11.67, suggesting potential undervaluation compared to industry peers.
- Profit margin of 17.6%, showcasing strong operational efficiency.
- Gross margin of 98.2%, reflecting robust pricing power.
- Dividend yield of 3.75%, appealing to income-focused investors.
Who Are FBTT's Competitors?
FBTT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| FNB F.N.B. Corporation | $18.25 | -0.03% | $6.50B | 835-pillar |
| CIVB Civista Bancshares, Inc. | $27.34 | -0.04% | $568M | 565-pillar |
| BUSE First Busey Corporation | $30.44 | +0.20% | $2.57B | 805-pillar |
| HFFC HF Financial Corp. | $19.64 | -0.66% | — | |
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
| BPRN Princeton Bancorp, Inc. | $43.64 | +0.11% | $297M | 905-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FBTT's Key Strengths?
Strong profit margins indicating operational efficiency.
- Established community presence with loyal customer base.
- Diverse range of financial products and services.
What Are FBTT's Weaknesses?
Limited geographic reach compared to larger competitors.
- Liquidity risks associated with being an OTC-listed company.
- Dependence on local economic conditions for growth.
What Could Drive FBTT Stock Higher?
Expansion of digital banking services to attract younger customers.
- Strong lending growth driven by increased demand for credit.
- Continuous improvement in operational efficiency enhancing profit margins.
What Are the Key Risks for FBTT?
Financial-distress signal — its Altman Z-Score of 0.26 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Increased competition from larger banks and fintech disruptors.
- Regulatory scrutiny affecting operational flexibility and compliance costs.
- Economic downturns impacting loan performance and deposit growth.
What Are the Growth Opportunities for FBTT?
- Expansion of Digital Banking Services: As consumer preferences shift towards digital banking, First Bankers Trustshares can enhance its online and mobile banking platforms. The digital banking market is expected to grow significantly, with a projected CAGR of 10.5% from 2021 to 2026. By investing in technology, the company can attract a younger demographic and improve customer retention, thereby increasing its market share.
- Increased Lending Opportunities: With a robust portfolio of commercial, consumer, and mortgage loans, First Bankers Trustshares is well-positioned to capitalize on the growing demand for credit. The U.S. lending market is projected to reach $3.5 trillion by 2026, driven by economic recovery and increased consumer spending. By expanding its lending offerings and enhancing customer outreach, the company can drive revenue growth.
- Enhanced Wealth Management Services: First Bankers Trustshares can diversify its revenue streams by expanding its investment services and wealth management offerings. The global wealth management market is anticipated to grow to $140 trillion by 2026, presenting a significant opportunity for banks to capture affluent clients seeking comprehensive financial solutions.
- Strategic Partnerships: Collaborating with fintech companies can provide First Bankers Trustshares with innovative technology solutions and access to new customer segments. As fintech continues to disrupt traditional banking, partnerships can enhance service offerings and improve operational efficiency, positioning the company for future growth.
- Geographic Expansion: First Bankers Trustshares can explore opportunities to expand its footprint beyond its current service areas. By entering new markets or acquiring smaller banks, the company can enhance its customer base and diversify its revenue sources, contributing to long-term growth.
What Are FBTT's Competitive Advantages?
- Established presence in the local market with strong community ties.
- Diverse product offerings catering to various customer segments.
- Personalized service approach differentiating from larger banks.
- Strong brand reputation built over decades of operation.
What Does FBTT Do?
Founded in 1946, First Bankers Trustshares, Inc. serves as the parent company for First Bankers Trust Company, N.A., delivering a comprehensive suite of financial solutions to its clients. With headquarters in Quincy, Illinois, the company has established itself as a key player in the regional banking sector. Over the years, First Bankers Trustshares has evolved to meet the changing needs of its clientele, offering various deposit accounts, including checking, savings, money market accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). In addition to its deposit services, the company boasts a robust lending portfolio that includes commercial, consumer, and mortgage loans, as well as home equity lines of credit (HELOCs) and government-assisted loan programs. The firm operates nine banking facilities across Adams, Hancock, McDonough, Sangamon, and Schuyler counties, along with a loan production office in St. Clair County, Illinois. This extensive network allows First Bankers Trustshares to cater to a diverse customer base, providing essential financial services such as overdraft protection, direct deposit, debit and credit cards, and investment services. The company's commitment to community banking and personalized service has solidified its reputation as a trusted financial partner in the region.
What Products and Services Does FBTT Offer?
- Provide a range of deposit accounts including checking, savings, and CDs.
- Offer various lending products such as commercial, consumer, and mortgage loans.
- Facilitate home equity lines of credit and government-assisted loan programs.
- Deliver investment services and cash management solutions.
- Support electronic banking and provide identity theft protection services.
- Operate banking facilities across multiple counties in West Central Illinois.
How Does FBTT Make Money?
- Generate revenue through interest income from loans and fees from deposit accounts.
- Earn fees from investment services and cash management solutions.
- Collect service fees for overdraft protection and wire transfers.
- Leverage interest from various lending products to maintain profitability.
What Industry Does FBTT Operate In?
The regional banking sector is characterized by a growing demand for personalized financial services, driven by local economic conditions and community relationships. As larger banks continue to consolidate, regional players like First Bankers Trustshares, Inc. can leverage their established presence to attract customers seeking tailored banking solutions. The industry is projected to grow steadily, with increasing consumer preference for community-oriented banking experiences. Competition remains intense, with both traditional banks and fintech companies vying for market share, necessitating a focus on service quality and customer engagement.
Who Are FBTT's Key Customers?
- Retail clients seeking personal banking services.
- Small to medium-sized businesses requiring commercial banking solutions.
- Institutional clients needing investment and cash management services.
- Corporate clients looking for financing and credit options.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 20 snapshots
| 2026-08-23 | 47 |
| 2026-08-27 | 47 |
| 2026-08-31 | 47 |
| 2026-09-04 | 47 |
| 2026-09-08 | 47 |
| 2026-09-11 | 47 |
What changed?
The score has stayed at 47.
Over the same 19 days the stock moved -5.8%.
Financial Health
First Bankers Trustshares, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.26 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for First Bankers Trustshares, Inc. stands at 9.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. FBTT trades at a trailing price-to-earnings ratio of 11.67, below the Financial Services sector average of ~17.50x. A current ratio of 1.29 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 8.6%, the inverse of the P/E and a quick read on earnings relative to price.
First Bankers Trustshares, Inc. (FBTT) Valuation Context
Valued at $83.5M, FBTT is classified as a micro-cap stock.
FBTT Revenue & Earnings Trend
In Q2 FY2026, FBTT generated $11.3M in top-line revenue, marking a sequential increase of 6.3%. The company recorded net income of $1.7M, with diluted EPS of $0.57. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, FBTT averaged $0.63 in diluted EPS.
Company Profile
First Bankers Trustshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Quincy, US. The company is led by CEO Allen W. Shafer. FBTT has traded publicly since 2000.
FBTT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong profit margins indicating operational efficiency.
- Established community presence with loyal customer base.
- Diverse range of financial products and services.
- Upcoming: Expansion of digital banking services to attract younger customers.
Bear Case
- Limited geographic reach compared to larger competitors.
- Liquidity risks associated with being an OTC-listed company.
- Dependence on local economic conditions for growth.
- Potential: Increased competition from larger banks and fintech disruptors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $11M | $2M | $0.57 |
| Q1 FY2026 | $11M | $2M | $0.67 |
| Q4 FY2025 | $11M | $2M | $0.57 |
| Q3 FY2025 | $10M | $2M | $0.71 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis
FBTT Latest News
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First Bankers Trust Selects Alacriti To Modernize Loan Payments and Enhance Customer Experience
Yahoo! Finance: FBTT News · Jun 10, 2026
FBTT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for FBTT.
Price Targets
Wall Street price target analysis for FBTT.
FBTT MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for FBTT; grades run from A+ (80-100) to F (below 30).
Leadership: Allen W. Shafer
CEO
Allen W. Shafer has been a pivotal figure in the financial services industry, leading First Bankers Trustshares, Inc. with a focus on community banking. With extensive experience in banking operations and management, Shafer has guided the company through various market conditions since his appointment. He holds a degree in finance and has held various leadership roles within the banking sector prior to his current position.
Track Record: Under Shafer's leadership, First Bankers Trustshares has strengthened its market position through strategic initiatives, enhancing its product offerings and expanding customer outreach. His focus on operational excellence has contributed to the company's strong financial performance and community engagement.
FBTT OTC Market Information
The OTC Other tier represents companies that trade on the over-the-counter market but do not meet the stringent listing requirements of major exchanges like NYSE or NASDAQ. This tier often includes smaller companies with less visibility and liquidity, which can lead to wider bid-ask spreads and less frequent trading.
- OTC Tier: OTC Other
- Liquidity risk due to lower trading volumes on OTC markets.
- Regulatory risks associated with compliance and reporting requirements.
- Market volatility impacting stock price and investor sentiment.
- Review the company's financial statements and performance metrics.
- Assess the competitive landscape and market positioning.
- Monitor regulatory updates and compliance status.
- Evaluate management's track record and strategic vision.
- Consider the overall economic environment and its impact on the banking sector.
- Established history since 1946, indicating stability.
- Presence of a qualified management team with industry experience.
- Community engagement and reputation within its service areas.
Common Questions About FBTT (Financial Services)
Is FBTT a good stock?
Stock Expert AI does not rate FBTT buy, sell or hold. First Bankers Trustshares, Inc. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
How is First Bankers Trustshares, Inc. adapting to fintech disruption?
First Bankers Trustshares, Inc. is responding to fintech disruption by investing in digital banking technologies to enhance its service offerings.
What are the key factors to evaluate for FBTT?
Evaluate FBTT on fundamentals, analyst consensus, and risk factors. P/E: 11.67x vs the S&P 500's ~20-25x. Monitoring these factors will be essential for assessing the company's future performance. Not financial advice.
How frequently does FBTT data refresh on this page?
FBTT's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 calculations are scheduled daily at 10:15 UTC; the score's own date shows its last successful run.
What has driven FBTT's recent stock price performance?
First Bankers Trustshares, Inc. (FBTT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit margins indicating operational efficiency. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FBTT overvalued or undervalued right now?
First Bankers Trustshares, Inc. (FBTT) trades at 11.67x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of FBTT?
Yes, most major brokerages offer fractional shares of First Bankers Trustshares, Inc. (FBTT) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track FBTT's earnings and financial reports?
First Bankers Trustshares, Inc. (FBTT) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for FBTT earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Financial reports are limited due to OTC classification; due diligence is advised.