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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength

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GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth

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» FIRT's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

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Dividend & Buy Back

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Dividend Yield 0.75
FIRT's Dividend Yield is ranked lower than
88% of the 1506 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.40 vs. FIRT: 0.75 )
FIRT' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 0.75

Dividend Payout 0.60
FIRT's Dividend Payout is ranked higher than
59% of the 1928 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.47 vs. FIRT: 0.60 )
FIRT' s 10-Year Dividend Payout Range
Min: 0   Max: 0
Current: 0.6

Yield on cost (5-Year) 0.70
FIRT's Yield on cost (5-Year) is ranked lower than
85% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.70 vs. FIRT: 0.70 )
FIRT' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 0.7

Valuation & Return

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
First BancTrust Corporation was incorporated in November 2000 under Delaware law. On April 18, 2001, the Company acquired all of the outstanding shares of common stock of First Bank & Trust, s.b. of Paris, Illinois, upon the Bank's conversion from an Illinois chartered mutual savings bank to an Illinois chartered stock savings bank. The Company originates loans and solicits deposits through the Bank, but otherwise conducts no business except through the Bank, the Bank's subsidiary, and the Company's other non-bank subsidiaries. The Bank conducts business out of its main office and its operations office, both in Paris, Illinois, in Edgar County, and branch offices in Marshall, Illinois in Clark County and Savoy, Illinois in Champaign County. The primary market areas of Clark and Edgar counties are located in east central Illinois, just west of Terre Haute, Indiana, and are both rural counties where agriculture is responsible for a large share of the local economy. The Company's principal business consists primarily of attracting deposits from the general public and using those funds to originate loans secured by one-to four-family residential properties, commercial real estate loans, agricultural real estate loans, commercial and industrial loans, agricultural production finance loans, consumer loans and other loans.

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