FBTT (First Bankers Trustshares) 3-Year RORE % : 33.04% (As of Mar. 2026)


FBTT First Bankers Trustshares Inc FBTT
58 GF Score
Price $25.80
GF Value $21.60
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First Bankers Trustshares 3-Year RORE %?

First Bankers Trustshares FBTT 58 3-Year RORE % is 33.04 as of Mar. 2026. GuruFocus rates FBTT with a GF Score™ of 58/100 and a GF Value™ of $21.60 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,475 Banks companies, First Bankers Trustshares ranks better than 84.88% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. First Bankers Trustshares's 3-Year RORE % for the quarter that ended in Mar. 2026 was 33.04%.

The industry rank for First Bankers Trustshares's 3-Year RORE % or its related term are showing as below:

FBTT's 3-Year RORE % is ranked better than
84.88% of 1475 companies
in the Banks industry
Industry Median: 9.92 vs FBTT: 33.04

First Bankers Trustshares  (OTCPK:FBTT) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


First Bankers Trustshares 3-Year RORE % Related Terms


First Bankers Trustshares 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for First Bankers Trustshares's 3-Year RORE % 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 3-Year RORE % Chart

First Bankers Trustshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -9.32 6.57 -16.43 -41.47 16.37

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
3-Year RORE % 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 -30.58 -10.10 9.83 16.37 33.04

FBTT vs OPHC, CCBC, DWNX: 3-Year RORE % Comparison

For the Banks - Regional subindustry, First Bankers Trustshares's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, First Bankers Trustshares's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where First Bankers Trustshares's 3-Year RORE % falls into.


FBTT
58GF Score
First Bankers Trustshares Inc FBTT
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Bankers Trustshares 3-Year RORE % Calculation

First Bankers Trustshares's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 2.42-1.429 )/( 5.579-2.58 )
=0.991/2.999
=33.04 %

* 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.

In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 33.04 mean?
First Bankers Trustshares (FBTT) has a 3-Year RORE % of 33.04 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First Bankers Trustshares and its competitors. According to the industry distribution chart, First Bankers Trustshares ranks #223 out of 1475 companies in the Banks industry, placing it in the top 15.1%.
Is First Bankers Trustshares' 3-Year RORE % too high?
First Bankers Trustshares' current 3-Year RORE % is 33.04. The Banks industry median 3-Year RORE % is 9.92. First Bankers Trustshares' value of 33.04 is 233.1% above this industry median. Based on the distribution chart, First Bankers Trustshares ranks #223 out of 1475 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' 3-Year RORE % compare to OPHC and CCBC?
According to the Banks industry distribution chart, First Bankers Trustshares ranks #223 out of 1475 companies for 3-Year RORE %. This places First Bankers Trustshares in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.92. First Bankers Trustshares' value of 33.04 is 233.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bankers Trustshares's current 3-Year RORE % of 33.04 is 233.1% above 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First Bankers Trustshares and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bankers Trustshares's current 3-Year RORE % is 33.04. 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 $21.60, compared to a current price of $25.80 — trading 19.4% above its estimated fair value. The current 3-Year RORE % is 33.04 and 233.1% above the Banks industry median of 9.92. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For First Bankers Trustshares (FBTT), the current 3-Year RORE % is 33.04 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 $25.80 is trading 19.4% above its estimated GF Value™ of $21.60. GuruFocus considers First Bankers Trustshares to be Modestly Overvalued.

Key valuation signals for FBTT:

  • 3-Year RORE %: 33.04
  • GF Value™: $21.60 vs. price of $25.80 (19.4% above fair value)
  • GF Score™: 58/100 with 6 warning signs
  • Industry Position: 233.1% above the Banks median (#223 of 1475)

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.
58GF Score

Get the complete analysis for FBTT

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.80
Price
$21.60
GF Value