FBTT (First Bankers Trustshares) Moat Score: 3/10 (As of Jul. 02, 2026)


FBTT First Bankers Trustshares Inc FBTT
59 GF Score
Price $24.00
GF Value $21.58
Valuation Modestly Overvalued
! 3 Warning Signs
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What is First Bankers Trustshares Moat Score?

First Bankers Trustshares FBTT +0.18% 59 Moat Score is 3 as of Jul. 02, 2026. GuruFocus rates FBTT with a GF Score™ of 59/100 and a GF Value™ of $21.58 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,612 Banks companies, First Bankers Trustshares ranks better than 74.5% on this metric.

First Bankers Trustshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

First Bankers Trustshares has No Moat: First Bankers Trustshares Inc operates in a competitive banking sector with limited differentiation. The company lacks significant scale, brand strength, and regulatory advantages. Its market share is not substantial enough to provide a durable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Bankers Trustshares might have No Moat - Very weak/transient advantages.

First Bankers Trustshares  (OTCPK:FBTT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Bankers Trustshares Moat Score Related Terms

FBTT vs OPHC, CCBC, DWNX: Moat Score Comparison

For the Banks - Regional subindustry, First Bankers Trustshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, First Bankers Trustshares's Moat Score distribution charts can be found below:

* The bar in red indicates where First Bankers Trustshares's Moat Score falls into.


FBTT
59GF Score
First Bankers Trustshares Inc FBTT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
First Bankers Trustshares (FBTT) has a Moat Score of 3 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Bankers Trustshares ranks #411 out of 1612 companies in the Banks industry, placing it in the top 25.5%.
Is First Bankers Trustshares' Moat Score too high?
First Bankers Trustshares' current Moat Score is 3. Based on the distribution chart, First Bankers Trustshares ranks #411 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, First Bankers Trustshares has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Bankers Trustshares' Moat Score compare to OPHC and CCBC?
According to the Banks industry distribution chart, First Bankers Trustshares ranks #411 out of 1612 companies for Moat Score. This puts First Bankers Trustshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Bankers Trustshares's current Moat Score is 3. 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 $21.58, compared to a current price of $24.00 — trading 11.2% above its estimated fair value. The current Moat Score is 3. First Bankers Trustshares' overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Bankers Trustshares (FBTT), the current Moat Score is 3 as of Jul. 02, 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 $24.00 is trading 11.2% above its estimated GF Value™ of $21.58. GuruFocus considers First Bankers Trustshares to be Modestly Overvalued.

Key valuation signals for FBTT:

  • Moat Score: 3
  • GF Value™: $21.58 vs. price of $24.00 (11.2% above fair value)
  • GF Score™: 59/100 with 3 warning signs

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 Business Description

Address 1201 Broadway, P.O. Box 3566, Quincy, IL, USA, 62301
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.
59GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$24.00
Price
$21.58
GF Value