First Bankers Trustshares, Inc. (FBTT)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First Bankers Trustshares, Inc. (FBTT) with AI Score 47/100 (Weak). First Bankers Trustshares, Inc. is a bank holding company operating through its subsidiary, First Bankers Trust Company, N. A. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 15, 2026First Bankers Trustshares, Inc. (FBTT) Financial Services Profile
First Bankers Trustshares, Inc., established in 1946, serves West Central Illinois with a range of financial services, including deposit accounts, lending, and electronic banking. With a market capitalization of $0.08 billion and a dividend yield of 3.50%, the company operates 9 banking facilities and one loan production office.
Investment Thesis
First Bankers Trustshares, Inc. presents a focused investment opportunity within the West Central Illinois banking sector. With a P/E ratio of 11.14 and a dividend yield of 3.50%, the company demonstrates stable profitability and shareholder returns. Key value drivers include its established presence in the region and diverse range of financial services. Growth catalysts involve expanding its lending portfolio and enhancing its electronic banking services. Potential risks include competition from larger regional banks and the impact of changing interest rates on its lending margins. The company's beta of 0.17 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.08 billion, indicating a small-cap regional bank.
- P/E ratio of 11.14, suggesting a potentially undervalued stock compared to its earnings.
- Profit margin of 17.5%, reflecting efficient operations and profitability.
- Gross margin of 72.2%, indicating strong revenue generation relative to the cost of goods sold.
- Dividend yield of 3.50%, providing a steady income stream for investors.
Competitors & Peers
Strengths
- Established presence in West Central Illinois.
- Diverse range of financial products and services.
- Strong relationships with local businesses and communities.
- High gross margin of 72.2%.
Weaknesses
- Limited geographic reach compared to larger regional banks.
- Reliance on traditional banking services.
- Small market capitalization of $0.08 billion.
- AI analysis pending.
Catalysts
- Upcoming: Potential expansion of digital banking services to attract younger demographics.
- Ongoing: Continued focus on community engagement to enhance brand recognition.
- Ongoing: Strategic lending portfolio growth in West Central Illinois.
- Upcoming: Possible acquisition of smaller banks or credit unions in adjacent markets.
Risks
- Potential: Competition from larger regional and national banks.
- Potential: Impact of changing interest rates on lending margins.
- Ongoing: Regulatory changes and compliance costs.
- Potential: Economic downturn in West Central Illinois.
- Ongoing: Limited financial disclosure due to OTC listing.
Growth Opportunities
- Expansion of Digital Banking Services: Investing in and expanding digital banking services represents a significant growth opportunity. This includes enhancing mobile banking apps, online account management, and digital payment solutions. By offering convenient and accessible digital services, First Bankers Trustshares can attract and retain customers, particularly younger demographics. The market for digital banking is projected to grow substantially, with increasing adoption rates across all age groups. Timeline: Ongoing.
- Strategic Lending Portfolio Growth: Growing the lending portfolio through targeted marketing and competitive interest rates can drive revenue growth. Focusing on commercial, consumer, and mortgage lending in West Central Illinois allows First Bankers Trustshares to capitalize on local economic development and housing market opportunities. By offering tailored lending solutions and personalized service, the company can gain a competitive edge. Timeline: Ongoing.
- Community Engagement and Brand Building: Strengthening community engagement through sponsorships, financial literacy programs, and local partnerships can enhance brand recognition and customer loyalty. By actively participating in community events and supporting local initiatives, First Bankers Trustshares can build trust and establish itself as a valued community partner. This can lead to increased customer acquisition and retention. Timeline: Ongoing.
- Acquisition of Smaller Banks or Credit Unions: Acquiring smaller banks or credit unions in adjacent markets can expand First Bankers Trustshares' geographic footprint and customer base. This can provide access to new markets and diversify revenue streams. Careful due diligence and integration planning are essential for successful acquisitions. Timeline: 2-3 years.
- Enhancement of Investment Services: Expanding investment services offerings, including wealth management, retirement planning, and brokerage services, can generate additional revenue and attract high-net-worth clients. By providing comprehensive investment solutions and personalized advice, First Bankers Trustshares can cater to the growing demand for wealth management services. Timeline: 1-2 years.
Opportunities
- Expansion of digital banking services.
- Strategic lending portfolio growth.
- Community engagement and brand building.
- Acquisition of smaller banks or credit unions.
Threats
- Competition from larger regional and national banks.
- Impact of changing interest rates on lending margins.
- Regulatory changes and compliance costs.
- Economic downturn in West Central Illinois.
Competitive Advantages
- Established presence and brand recognition in West Central Illinois.
- Strong relationships with local businesses and communities.
- Personalized customer service and local decision-making.
- Comprehensive range of financial products and services.
About FBTT
Founded in 1946 and headquartered in Quincy, Illinois, First Bankers Trustshares, Inc. functions as the bank holding company for First Bankers Trust Company, N.A. The company offers a comprehensive suite of financial products and services tailored to retail, institutional, and corporate clients. Its core offerings include a variety of deposit products such as checking, savings, money market accounts, certificates of deposit, and individual retirement accounts. On the lending side, First Bankers Trustshares provides commercial, consumer, and mortgage lending solutions, including home equity lines of credit, letters of credit, real estate loans, equipment loans, revolving lines of credit, and government-assisted loan programs, along with refinancing options. Beyond traditional banking services, the company provides overdraft protection, direct deposits, debit and credit cards, safe deposit boxes, wire transfer services, and savings bonds. It also offers identity theft protection, investment services, cash management, and electronic banking. The company's physical presence includes 9 banking facilities located in Adams, Hancock, McDonough, Sangamon, and Schuyler counties in West Central Illinois, complemented by a loan production office in St. Clair county, Illinois. This regional focus allows First Bankers Trustshares to maintain strong community ties and personalized service.
What They Do
- Provides retail banking services including checking and savings accounts.
- Offers commercial lending solutions to businesses.
- Provides mortgage lending and home equity lines of credit.
- Offers consumer loans for various purposes.
- Provides electronic banking services including online and mobile banking.
- Offers investment services and wealth management.
- Provides cash management services for businesses.
Business Model
- Generates revenue through interest income from loans.
- Earns fees from services such as overdraft protection, wire transfers, and safe deposit boxes.
- Profits from investment services and wealth management fees.
Industry Context
First Bankers Trustshares, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Competitors include both larger national banks and smaller community banks. First Bankers Trustshares differentiates itself through its focus on West Central Illinois and its commitment to providing personalized financial services. The regional banking sector is experiencing growth driven by increasing demand for local banking solutions and the rise of digital banking technologies.
Key Customers
- Retail customers seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and cash management.
- Individuals and families seeking mortgage loans and home equity lines of credit.
- High-net-worth individuals seeking investment services and wealth management.
Financials
Chart & Info
First Bankers Trustshares, Inc. (FBTT) stock price: Price data unavailable
Latest News
No recent news available for FBTT.
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FBTT.
Price Targets
Wall Street price target analysis for FBTT.
MoonshotScore
What does this score mean?
The MoonshotScore rates FBTT's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Allen W. Shafer
CEO
Allen W. Shafer serves as the CEO of First Bankers Trustshares, Inc. His leadership is pivotal in guiding the company's strategic direction and overseeing its operations. Information regarding his specific career history, education, and previous roles is not available in the provided data. However, as CEO, he is responsible for managing the company's 144 employees and ensuring its financial performance.
Track Record: Details regarding Allen W. Shafer's specific achievements, strategic decisions, and company milestones under his leadership are not available in the provided data. His role as CEO involves overseeing the company's operations, managing its financial performance, and guiding its strategic direction.
FBTT OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that First Bankers Trustshares, Inc. may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited information available to investors, and trading activity can be sporadic. Investing in OTC Other stocks carries higher risks compared to stocks listed on major exchanges like the NYSE or NASDAQ due to less stringent listing requirements and potential for limited liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and transparency.
- Potential for low trading volume and liquidity.
- Higher price volatility compared to exchange-listed stocks.
- Increased risk of fraud or manipulation.
- Limited regulatory oversight.
- Verify the company's financial statements and SEC filings (if available).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any legal or regulatory issues.
- Monitor trading volume and price activity.
- Consult with a financial advisor.
- Established history since 1946.
- Operation of multiple banking facilities in West Central Illinois.
- Provision of a range of financial products and services.
- Positive profit margin of 17.5%.
Common Questions About FBTT
What does First Bankers Trustshares, Inc. do?
First Bankers Trustshares, Inc. operates as the bank holding company for First Bankers Trust Company, N.A., providing a range of financial products and services to retail, institutional, and corporate customers. These services include deposit accounts, lending solutions (commercial, consumer, and mortgage), electronic banking, and investment services. The company operates primarily in West Central Illinois, focusing on building strong relationships with local businesses and communities through its network of banking facilities and loan production office.
What do analysts say about FBTT stock?
AI analysis is currently pending for FBTT. However, based on available financial data, the company has a market capitalization of $0.08 billion and a P/E ratio of 11.14. It also offers a dividend yield of 3.50%. Investors should conduct their own due diligence and consider factors such as the company's regional focus, competition, and the overall economic environment before making any investment decisions. Further analyst insight is needed for a comprehensive evaluation.
What are the main risks for FBTT?
First Bankers Trustshares, Inc. faces several risks inherent to the regional banking sector. These include competition from larger national and regional banks, the impact of fluctuating interest rates on lending margins, and regulatory compliance costs. As an OTC-listed company, it also faces risks associated with limited financial disclosure and liquidity. An economic downturn in West Central Illinois could also negatively impact the company's financial performance. Investors should carefully consider these risks before investing.
What are the key factors to evaluate for FBTT?
First Bankers Trustshares, Inc. (FBTT) currently holds an AI score of 47/100, indicating low score. Key strength: Established presence in West Central Illinois.. Primary risk to monitor: Potential: Competition from larger regional and national banks.. This is not financial advice.
How frequently does FBTT data refresh on this page?
FBTT prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven FBTT's recent stock price performance?
Recent price movement in First Bankers Trustshares, Inc. (FBTT) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Established presence in West Central Illinois.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider FBTT overvalued or undervalued right now?
Determining whether First Bankers Trustshares, Inc. (FBTT) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying FBTT?
Before investing in First Bankers Trustshares, Inc. (FBTT), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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
Data provided for informational purposes only.
- Information is based on available data and may be limited.
- AI analysis is pending for FBTT.