First Bankers TrustsharesFBTT 59 Net Margin % is 18.77% as of Mar. 2026, which is 16% below its 10-year median of 22.37. GuruFocus rates FBTT with a GF Score™ of 59/100 and a GF Value™ of $21.56 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, First Bankers Trustshares ranks worse than 76.02% on this metric.
The historical rank and industry rank for First Bankers Trustshares's Net Margin % or its related term are showing as below:
FBTT'
s Net Margin % Range Over the Past 10 Years
Min: 13.13 Med: 22.37 Max: 25.43
Current: 17.6
FBTT's Net Margin % is ranked worse than 76.02% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FBTT: 17.60
First Bankers Trustshares (OTCPK:FBTT) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
First Bankers Trustshares Net Margin % Related Terms
First Bankers Trustshares Net Margin % Historical Data
* 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.
For the Banks - Regional subindustry, First Bankers Trustshares's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Bankers Trustshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Bankers Trustshares's Net Margin % falls into.
* 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 (FBTT) has a Net Margin % of 18.77% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on First Bankers Trustshares and its competitors. This is 16% below median its historical median of 22.37. Over the past decade, First Bankers Trustshares' Net Margin % has ranged from 13.13 to 25.43. According to the industry distribution chart, First Bankers Trustshares ranks #1160 out of 1526 companies in the Banks industry, placing it in the top 76%.
Is First Bankers Trustshares' Net Margin % too high?
First Bankers Trustshares' current Net Margin % of 18.77% is 16% below median its 10-year median of 22.37. Over the past 10 years, this metric has ranged from a low of 13.13 to a high of 25.43. The Banks industry median Net Margin % is 26.97. First Bankers Trustshares' value of 18.77% is 30.4% below this industry median. Based on the distribution chart, First Bankers Trustshares ranks #1160 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' Net Margin % compare to JUVF and NTBP?
According to the Banks industry distribution chart, First Bankers Trustshares ranks #1160 out of 1526 companies for Net Margin %. This places First Bankers Trustshares in the lower half of its industry. The industry median Net Margin % is 26.97. First Bankers Trustshares' value of 18.77% is 30.4% below this benchmark. Historically, First Bankers Trustshares' own Net Margin % has ranged from 13.13 to 25.43 over the past decade. While the company's 10-year median is 22.37 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bankers Trustshares's current Net Margin % of 18.77% is 30.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on First Bankers Trustshares and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bankers Trustshares's current Net Margin % is 18.77%, which is 16% below median its own 10-year median of 22.37. 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 $21.56, compared to a current price of $24.00 — trading 11.3% above its estimated fair value. The current Net Margin % is 18.77%, which is 16% below median its 10-year median of 22.37 and 30.4% below the Banks industry median of 26.97. First Bankers Trustshares' overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For First Bankers Trustshares (FBTT), the current Net Margin % is 18.77% as of Mar. 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 11.3% above its estimated GF Value™ of $21.56.
GuruFocus considers First Bankers Trustshares to be Modestly Overvalued.
Key valuation signals for FBTT:
Net Margin %: 18.77% (16% below median its 10-year median of 22.37)
GF Value™: $21.56 vs. price of $24.00 (11.3% above fair value)
Industry Position: 30.4% below the Banks median (#1160 of 1526)
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.
59GF Score
Get the complete analysis for FBTT
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FBTT has been successfully added to your 
