FBTT Stock Overview

Operates as the bank holding company for First Bankers Trust Company, N.A. More details

FBTT fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	1/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 48.1% below our estimate of its fair value

Pays a high and reliable dividend of 5.18%

Risk Analysis

Earnings have declined by 1% per year over past 5 years

Shares are highly illiquid

Profit margins (14.7%) are lower than last year (25.7%)

Does not have a meaningful market cap ($51M)

+ 1 more risk

My Notes

Capture your thoughts, links and company narrative

First Bankers Trustshares, Inc. Competitors

Harford Bank

OTCPK:HFBK

US$51.8m

Community Bancshares (McArthur OH)

OTCPK:CNUN

US$52.3m

Lifestore Financial Group

OTCPK:LSFG

US$47.0m

FCN Banc

OTCPK:FBVI

US$48.8m

Price History & Performance

Summary of share price highs, lows and changes for First Bankers Trustshares
Historical stock prices
Current Share Price	US$16.99
52 Week High	US$19.75
52 Week Low	US$13.25
Beta	0.21
1 Month Change	0.83%
3 Month Change	6.19%
1 Year Change	-8.66%
3 Year Change	-45.89%
5 Year Change	-44.48%
Change since IPO	1,174.25%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FBTT	US Banks	US Market
7D	3.0%	3.1%	2.8%
1Y	-8.7%	29.1%	24.5%

Return vs Industry: FBTT underperformed the US Banks industry which returned 29.5% over the past year.

Return vs Market: FBTT underperformed the US Market which returned 24.8% over the past year.

Price Volatility

Is FBTT's price volatile compared to industry and market?
FBTT volatility
FBTT Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.1%
10% least volatile stocks in US Market	3.1%

Stable Share Price: FBTT's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FBTT's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1946	n/a	Allen Shafer	www.firstbankers.com

First Bankers Trustshares, Inc. operates as the bank holding company for First Bankers Trust Company, N.A. that provides various 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.

First Bankers Trustshares, Inc. Fundamentals Summary

How do First Bankers Trustshares's earnings and revenue compare to its market cap?
FBTT fundamental statistics
Market cap	US$50.89m
Earnings (TTM)	US$4.28m
Revenue (TTM)	US$29.07m

11.9x

P/E Ratio

0.5x

P/B Ratio

Is FBTT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FBTT income statement (TTM)
Revenue	US$29.07m
Cost of Revenue	US$0
Gross Profit	US$29.07m
Other Expenses	US$24.80m
Earnings	US$4.28m

Last Reported Earnings

Mar 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.43
Gross Margin	100.00%
Net Profit Margin	14.71%
Debt/Equity Ratio	75.2%

How did FBTT perform over the long term?

See historical performance and comparison

Dividends

5.2%

Current Dividend Yield

58%

Payout Ratio

Does FBTT pay a reliable dividends?

See FBTT dividend history and benchmarks

When do you need to buy FBTT by to receive an upcoming dividend?
First Bankers Trustshares dividend dates
Ex Dividend Date	Dec 27 2024
Dividend Pay Date	Jan 31 2025
Days until Ex dividend	1 day
Days until Dividend pay date	36 days

Does FBTT pay a reliable dividends?

See FBTT dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 04:17
End of Day Share Price	2024/12/24 00:00
Earnings	2024/03/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

First Bankers Trustshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution