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First Bankers TrustsharesFBTT 58 5-Year Yield-on-Cost % is 4.55 as of Jul. 22, 2026, which is 46% above its 10-year median of 3.12. GuruFocus rates FBTT with a GF Score™ of 58/100 and a GF Value™ of $21.63 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,251 Banks companies, First Bankers Trustshares ranks better than 59.79% on this metric.
The historical rank and industry rank for First Bankers Trustshares's 5-Year Yield-on-Cost % or its related term are showing as below:
FBTT'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.06 Med: 3.12 Max: 7.86
Current: 4.55
During the past 13 years, First Bankers Trustshares's highest Yield on Cost was 7.86. The lowest was 1.06. And the median was 3.12.
FBTT's 5-Year Yield-on-Cost % is ranked better than 59.79% of 1251
companies
in the Banks industry
Industry Median: 3.88
vs FBTT: 4.55
First Bankers Trustshares (OTCPK:FBTT) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
First Bankers Trustshares 5-Year Yield-on-Cost % Related Terms
FBTT vs OPHC, CCBC, DWNX: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, First Bankers Trustshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, First Bankers Trustshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where First Bankers Trustshares's 5-Year Yield-on-Cost % falls into.
First Bankers Trustshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
First Bankers Trustshares (FBTT) has a 5-Year Yield-on-Cost % of 4.55 as of Jul. 22, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Bankers Trustshares and its competitors. This is 46% above median its historical median of 3.12. Over the past decade, First Bankers Trustshares' 5-Year Yield-on-Cost % has ranged from 1.06 to 7.86. According to the industry distribution chart, First Bankers Trustshares ranks #503 out of 1251 companies in the Banks industry, placing it in the top 40.2%.
Is First Bankers Trustshares' 5-Year Yield-on-Cost % too high?
First Bankers Trustshares' current 5-Year Yield-on-Cost % of 4.55 is 46% above median its 10-year median of 3.12. Over the past 10 years, this metric has ranged from a low of 1.06 to a high of 7.86. The Banks industry median 5-Year Yield-on-Cost % is 3.88. First Bankers Trustshares' value of 4.55 is 17.3% above this industry median. Based on the distribution chart, First Bankers Trustshares ranks #503 out of 1251 companies in the Banks industry, which is above the industry midpoint. 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' 5-Year Yield-on-Cost % compare to OPHC and CCBC?
According to the Banks industry distribution chart, First Bankers Trustshares ranks #503 out of 1251 companies for 5-Year Yield-on-Cost %. This puts First Bankers Trustshares in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. First Bankers Trustshares' value of 4.55 is 17.3% above this benchmark. Historically, First Bankers Trustshares' own 5-Year Yield-on-Cost % has ranged from 1.06 to 7.86 over the past decade. While the company's 10-year median is 3.12 vs. the industry median of 3.88, First Bankers Trustshares has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bankers Trustshares's current 5-Year Yield-on-Cost % of 4.55 is 17.3% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Bankers Trustshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bankers Trustshares's current 5-Year Yield-on-Cost % is 4.55, which is 46% above median its own 10-year median of 3.12. 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 $21.63, compared to a current price of $25.80 — trading 19.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.55, which is 46% above median its 10-year median of 3.12 and 17.3% above the Banks industry median of 3.88. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Bankers Trustshares (FBTT), the current 5-Year Yield-on-Cost % is 4.55 as of Jul. 22, 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 19.3% above its estimated GF Value™ of $21.63.
GuruFocus considers First Bankers Trustshares to be Modestly Overvalued.
Key valuation signals for FBTT:
5-Year Yield-on-Cost %: 4.55 (46% above median its 10-year median of 3.12)
GF Value™: $21.63 vs. price of $25.80 (19.3% above fair value)
Industry Position: 17.3% above the Banks median (#503 of 1251)
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.
58GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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