First Bankers TrustsharesFBTT -0.64%59 Pretax Margin % is 24.10% as of Mar. 2026, which is 5% below its 10-year median of 25.35. 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 1,530 Banks companies, First Bankers Trustshares ranks worse than 77.39% on this metric.
The historical rank and industry rank for First Bankers Trustshares's Pretax Margin % or its related term are showing as below:
FBTT'
s Pretax Margin % Range Over the Past 10 Years
Min: 15.93 Med: 25.35 Max: 32.31
Current: 22.34
FBTT's Pretax Margin % is ranked worse than 77.39% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs FBTT: 22.34
First Bankers Trustshares (OTCPK:FBTT) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
First Bankers Trustshares Pretax Margin % Related Terms
First Bankers Trustshares Pretax 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.
FBTT vs JUVF, NTBP, NACB: Pretax Margin % Comparison
For the Banks - Regional subindustry, First Bankers Trustshares's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Bankers Trustshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where First Bankers Trustshares's Pretax 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 Pretax Margin % of 24.10% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Bankers Trustshares and its competitors. This is near median its historical median of 25.35. Over the past decade, First Bankers Trustshares' Pretax Margin % has ranged from 15.93 to 32.31. According to the industry distribution chart, First Bankers Trustshares ranks #1184 out of 1530 companies in the Banks industry, placing it in the top 77.4%.
Is First Bankers Trustshares' Pretax Margin % too high?
First Bankers Trustshares' current Pretax Margin % of 24.10% is near median its 10-year median of 25.35. Over the past 10 years, this metric has ranged from a low of 15.93 to a high of 32.31. The Banks industry median Pretax Margin % is 34.72. First Bankers Trustshares' value of 24.10% is 30.6% below this industry median. Based on the distribution chart, First Bankers Trustshares ranks #1184 out of 1530 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' Pretax Margin % compare to JUVF and NTBP?
According to the Banks industry distribution chart, First Bankers Trustshares ranks #1184 out of 1530 companies for Pretax Margin %. This places First Bankers Trustshares in the lower half of its industry. The industry median Pretax Margin % is 34.72. First Bankers Trustshares' value of 24.10% is 30.6% below this benchmark. Historically, First Bankers Trustshares' own Pretax Margin % has ranged from 15.93 to 32.31 over the past decade. While the company's 10-year median is 25.35 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bankers Trustshares's current Pretax Margin % of 24.10% is 30.6% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Bankers Trustshares and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bankers Trustshares's current Pretax Margin % is 24.10%, which is near median its own 10-year median of 25.35. 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 $23.85 — trading 10.6% above its estimated fair value. The current Pretax Margin % is 24.10%, which is near median its 10-year median of 25.35 and 30.6% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For First Bankers Trustshares (FBTT), the current Pretax Margin % is 24.10% 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 $23.85 is trading 10.6% above its estimated GF Value™ of $21.56.
GuruFocus considers First Bankers Trustshares to be Modestly Overvalued.
Key valuation signals for FBTT:
Pretax Margin %: 24.10% (near median its 10-year median of 25.35)
GF Value™: $21.56 vs. price of $23.85 (10.6% above fair value)
Industry Position: 30.6% below the Banks median (#1184 of 1530)
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
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