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First Bankers TrustsharesFBTT 58 Cyclically Adjusted PS Ratio is 2.03 as of Jul. 18, 2026, which is 4% above its 10-year median of 1.96. GuruFocus rates FBTT with a GF Score™ of 58/100 and a GF Value™ of $21.62 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,303 Banks companies, First Bankers Trustshares ranks better than 75.29% on this metric.
The historical rank and industry rank for First Bankers Trustshares's Cyclically Adjusted PS Ratio or its related term are showing as below:
FBTT'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.11 Med: 1.96 Max: 3.06
Current: 2.03
During the past years, First Bankers Trustshares's highest Cyclically Adjusted PS Ratio was 3.06. The lowest was 1.11. And the median was 1.96.
FBTT's Cyclically Adjusted PS Ratio is ranked better than 75.29% of 1303
companies
in the Banks industry
Industry Median: 3.37
vs FBTT: 2.03
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
First Bankers Trustshares's adjusted revenue per share data for the three months ended in Mar. 2026 was $3.570. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $12.71 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
First Bankers Trustshares (OTCPK:FBTT) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
First Bankers Trustshares Cyclically Adjusted PS Ratio Related Terms
First Bankers Trustshares Cyclically Adjusted PS Ratio Historical Data
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The historical data trend for First Bankers Trustshares's Cyclically Adjusted PS Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Bankers Trustshares Cyclically Adjusted PS Ratio Chart
FBTT vs OPHC, CCBC, DWNX: Cyclically Adjusted PS Ratio Comparison
For the Banks - Regional subindustry, First Bankers Trustshares's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Bankers Trustshares Cyclically Adjusted PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Bankers Trustshares's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where First Bankers Trustshares's Cyclically Adjusted PS Ratio falls into.
First Bankers Trustshares Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 2.03 mean?
First Bankers Trustshares (FBTT) has a Cyclically Adjusted PS Ratio of 2.03 as of Jul. 18, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on First Bankers Trustshares and its competitors. This is near median its historical median of 1.96. Over the past decade, First Bankers Trustshares' Cyclically Adjusted PS Ratio has ranged from 1.11 to 3.06. According to the industry distribution chart, First Bankers Trustshares ranks #322 out of 1303 companies in the Banks industry, placing it in the top 24.7%.
Is First Bankers Trustshares' Cyclically Adjusted PS Ratio too high?
First Bankers Trustshares' current Cyclically Adjusted PS Ratio of 2.03 is near median its 10-year median of 1.96. Over the past 10 years, this metric has ranged from a low of 1.11 to a high of 3.06. The Banks industry median Cyclically Adjusted PS Ratio is 3.37. First Bankers Trustshares' value of 2.03 is 39.8% below this industry median. Based on the distribution chart, First Bankers Trustshares ranks #322 out of 1303 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Bankers Trustshares has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Bankers Trustshares' Cyclically Adjusted PS Ratio compare to OPHC and CCBC?
According to the Banks industry distribution chart, First Bankers Trustshares ranks #322 out of 1303 companies for Cyclically Adjusted PS Ratio. This places First Bankers Trustshares in the top 25% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PS Ratio is 3.37. First Bankers Trustshares' value of 2.03 is 39.8% below this benchmark. Historically, First Bankers Trustshares' own Cyclically Adjusted PS Ratio has ranged from 1.11 to 3.06 over the past decade. While the company's 10-year median is 1.96 vs. the industry median of 3.37, First Bankers Trustshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.37, based on 1,303 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bankers Trustshares's current Cyclically Adjusted PS Ratio of 2.03 is 39.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on First Bankers Trustshares and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bankers Trustshares's current Cyclically Adjusted PS Ratio is 2.03, which is near median its own 10-year median of 1.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Bankers Trustshares stock overvalued right now?
Based on GuruFocus' analysis, First Bankers Trustshares (FBTT) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.62, compared to a current price of $25.80 — trading 19.3% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 2.03, which is near median its 10-year median of 1.96 and 39.8% below the Banks industry median of 3.37. First Bankers Trustshares' overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For First Bankers Trustshares (FBTT), the current Cyclically Adjusted PS Ratio is 2.03 as of Jul. 18, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Bankers Trustshares (FBTT) Overvalued in 2026?
Based on GuruFocus' analysis, First Bankers Trustshares stock appears to be overvalued.
The current stock price of $25.80 is trading 19.3% above its estimated GF Value™ of $21.62.
GuruFocus considers First Bankers Trustshares to be Modestly Overvalued.
Key valuation signals for FBTT:
Cyclically Adjusted PS Ratio: 2.03 (near median its 10-year median of 1.96)
GF Value™: $21.62 vs. price of $25.80 (19.3% above fair value)
Industry Position: 39.8% below the Banks median (#322 of 1303)
No single metric tells the full story. See the FBTT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Bankers Trustshares Inc operates as a bank holding company. The bank through its subsidiaries provides comprehensive financial products and services to its retail, institutional, and corporate customers. It serves a market area consisting of Adams, McDonough, Schuyler, Hancock, Sangamon, and adjacent Illinois counties, and Marion, Lewis, and Shelby counties in Missouri. The company portfolio segments consist of commercial operating, commercial real estate, agricultural operating, agricultural real estate, construction and land development, real estate secured by 1-4 and multifamily, and consumer. Some of its services include Checking Accounts, Savings Accounts, Certificates of Deposit, Commercial and Consumer Lending, Mortgage Lending, Home Equity Loans, and others.
58GF Score
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Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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