FBTT (First Bankers Trustshares) PB Ratio: 0.61 (As of Jul. 01, 2026) — 34% Below Median


FBTT First Bankers Trustshares Inc FBTT
59 GF Score
Price $23.96
GF Value $21.56
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is First Bankers Trustshares PB Ratio?

First Bankers Trustshares FBTT +0.46% 59 PB Ratio is 0.61 as of Jul. 01, 2026, which is 34% below its 10-year median of 0.92. GuruFocus rates FBTT with a GF Score™ of 59/100 and a GF Value™ of $21.56 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,519 Banks companies, First Bankers Trustshares ranks better than 83.48% on this metric.

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-01), First Bankers Trustshares's share price is $23.9575. First Bankers Trustshares's Book Value per Share for the quarter that ended in Mar. 2026 was $39.32. Hence, First Bankers Trustshares's PB Ratio of today is 0.61.

The historical rank and industry rank for First Bankers Trustshares's PB Ratio or its related term are showing as below:

FBTT' s PB Ratio Range Over the Past 10 Years
Min: 0.36   Med: 0.92   Max: 1.3
Current: 0.61

During the past 13 years, First Bankers Trustshares's highest PB Ratio was 1.30. The lowest was 0.36. And the median was 0.92.

FBTT's PB Ratio is ranked better than
83.48% of 1519 companies
in the Banks industry
Industry Median: 1.09 vs FBTT: 0.61

During the past 12 months, First Bankers Trustshares's average Book Value Per Share Growth Rate was 3.90% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 12.80% per year. During the past 5 years, the average Book Value Per Share Growth Rate was -6.80% per year. During the past 10 years, the average Book Value Per Share Growth Rate was -1.60% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of First Bankers Trustshares was 54.80% per year. The lowest was -16.20% per year. And the median was 6.30% per year.

Back to Basics: PB Ratio


First Bankers Trustshares  (OTCPK:FBTT) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


First Bankers Trustshares PB Ratio Related Terms


First Bankers Trustshares PB Ratio Historical Data

* Premium members only.

The historical data trend for First Bankers Trustshares's PB 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 PB Ratio Chart

First Bankers Trustshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.92 1.24 0.92 0.75 0.89

First Bankers Trustshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.42 0.43 0.51 0.89 0.65

FBTT vs OPHC, CCBC, DWNX: PB Ratio Comparison

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

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

* The bar in red indicates where First Bankers Trustshares's PB Ratio falls into.


FBTT
59GF Score
First Bankers Trustshares Inc FBTT
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Bankers Trustshares PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

First Bankers Trustshares's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2026)
=23.9575/39.324
=0.61

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 0.61 mean?
First Bankers Trustshares (FBTT) has a PB Ratio of 0.61 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Bankers Trustshares and its competitors. This is 34% below median its historical median of 0.92. Over the past decade, First Bankers Trustshares' PB Ratio has ranged from 0.36 to 1.30. According to the industry distribution chart, First Bankers Trustshares ranks #251 out of 1519 companies in the Banks industry, placing it in the top 16.5%.
Is First Bankers Trustshares' PB Ratio too high?
First Bankers Trustshares' current PB Ratio of 0.61 is 34% below median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 1.30. The Banks industry median PB Ratio is 1.09. First Bankers Trustshares' value of 0.61 is 44% below this industry median. Based on the distribution chart, First Bankers Trustshares ranks #251 out of 1519 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 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Bankers Trustshares' PB Ratio compare to OPHC and CCBC?
According to the Banks industry distribution chart, First Bankers Trustshares ranks #251 out of 1519 companies for PB Ratio. This places First Bankers Trustshares in the top 17% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.09. First Bankers Trustshares' value of 0.61 is 44% below this benchmark. Historically, First Bankers Trustshares' own PB Ratio has ranged from 0.36 to 1.30 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bankers Trustshares's current PB Ratio of 0.61 is 44% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Bankers Trustshares and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bankers Trustshares's current PB Ratio is 0.61, which is 34% below median its own 10-year median of 0.92. 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 $23.96 — trading 11.1% above its estimated fair value. The current PB Ratio is 0.61, which is 34% below median its 10-year median of 0.92 and 44% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For First Bankers Trustshares (FBTT), the current PB Ratio is 0.61 as of Jul. 01, 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 $23.96 is trading 11.1% above its estimated GF Value™ of $21.56. GuruFocus considers First Bankers Trustshares to be Modestly Overvalued.

Key valuation signals for FBTT:

  • PB Ratio: 0.61 (34% below median its 10-year median of 0.92)
  • GF Value™: $21.56 vs. price of $23.96 (11.1% above fair value)
  • GF Score™: 59/100 with 3 warning signs
  • Industry Position: 44% below the Banks median (#251 of 1519)

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

Get the complete analysis for FBTT

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

$23.96
Price
$21.56
GF Value