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Market Price

35.25 

0.00 0.0%

as of Mar 22 '19

52 Week Range:

30.00 37.95


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

First Bankers Trustshares, Inc. operates as the bank holding company for First Bankers Trust Company, N.A. that provides various financial products and services to retail, institutional, and corporate customers. The company accepts various deposit products, such as checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs). Its lending services comprise commercial, consumer, and mortgage lending; and home equity loans, as well as refinancing loans. The company also offers overdraft protection facilities, direct deposits, debit and credit cards, safe deposit boxes, wire transfer services, and savings bonds; identification theft protection services; investment services; and fiduciary services to IRAs, personal trusts, and employee benefit trusts. It operates 10 banking facilities in Adams, Hancock, McDonough, Sangamon, and Schuyler counties in West Central Illinois. First Bankers Trustshares, Inc. was founded in 1946 and is headquartered in Quincy, Illinois.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '02 Dec '04 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 25.45
27.30
growth rate 7.3%
Earnings BIT 10.79
13.21
14.45
11.84
growth rate 22.5% 9.4% -18.1%
Avg.PE 9.71
8.75
10.39
14.82
12.04
growth rate -9.9% 18.7% 42.6% -18.8%
ROA 1.04
0.80
0.73
0.90
1.03
1.00
growth rate -23.1% -8.8% 23.3% 14.4% -2.9%
ROE 17.44
14.01
9.50
11.23
12.37
11.71
growth rate -19.7% -32.2% 18.2% 10.2% -5.3%
ROIC 21.36
12.36
growth rate -42.1%
Leverage 16.78
17.48
12.93
12.20
11.89
11.65
growth rate 4.2% -26.0% -5.7% -2.5% -2.0%
Balance Sheet Dec '02 Dec '04 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 3.31
3.70
3.84
4.18
4.17
growth rate 12.0% 3.8% 8.8% -0.4%
Acct.Payable 0.64
667.67
717.46
727.45
756.83
733.44
growth rate 104,879.3% 7.5% 1.4% 4.0% -3.1%
Cur.Assets 34.65
59.71
51.66
32.43
growth rate 72.3% -13.5% -37.2%
Total Assets 310.26
775.64
842.31
906.67
930.94
942.95
930.04
growth rate 58.1% 8.6% 7.6% 2.7% 1.3% -1.4%
Cash 33.15
293.26
30.86
55.75
47.22
28.19
growth rate 197.5% -89.5% 80.7% -15.3% -40.3%
Inventory 0.15
0.03
growth rate -78.2%
Cur.Liabilities 745.30
801.33
832.35
837.78
821.99
growth rate 7.5% 3.9% 0.7% -1.9%
Liabilities 283.49
705.67
763.26
820.44
851.02
856.68
838.08
growth rate 57.8% 8.2% 7.5% 3.7% 0.7% -2.2%
LT Debt 19.00
10.31
10.31
10.31
10.31
10.31
growth rate -18.4% 0.0% 0.0% 0.0% 0.0%
Equity 26.77
69.97
69.05
76.24
79.92
86.27
91.97
growth rate 61.7% -1.3% 10.4% 4.8% 7.9% 6.6%
Common Shares 3.00
3.00
3.00
3.00
3.00
3.00
3.00
91.97
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 2,965.6%
Cash Flow Statement Dec '02 Dec '04 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 2.10
1.06
1.00
1.03
0.34
growth rate -49.4% -5.7% 2.8% -67.3%
Cash Dividends 1.43
1.46
1.58
1.65
1.73
growth rate 2.1% 8.5% 4.3% 5.1%
Cash From OA 12.97
13.21
13.69
13.85
14.74
growth rate 1.9% 3.6% 1.2% 6.4%
FCF per Share 3.90
4.12
4.15
growth rate 5.6% 0.7%
Sale Purchase of Stock 0.02
0.02
0.02
0.08
growth rate 0.0% 0.0% 305.3%
FCF 6.00
4.00
11.00
12.00
13.00
13.00
14.40
growth rate -33.3% 175.0% 9.1% 8.3% 0.0% 10.8%
Income Statement Dec '02 Dec '04 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 21.21
39.03
36.06
40.36
42.37
40.93
37.72
growth rate 35.7% -7.6% 11.9% 5.0% -3.4% -7.9%
Op.Income 3.77
5.70
10.36
12.76
13.88
11.14
10.37
growth rate 22.9% 81.9% 23.2% 8.8% -19.8% -6.9%
IBT 5.24
7.60
10.36
12.76
13.88
11.14
10.37
growth rate 20.5% 36.2% 23.2% 8.8% -19.8% -6.9%
Net Income 3.77
5.70
7.25
8.98
9.15
7.39
8.38
growth rate 22.9% 27.2% 24.0% 1.8% -19.2% 13.4%
EPS 0.99
1.06
1.82
2.32
2.89
2.96
4.24
growth rate 7.1% 71.7% 27.5% 24.6% 2.4% 43.2%
Gross Profit 15.16
36.06
40.36
42.37
40.93
37.72
growth rate 33.5% 11.9% 5.0% -3.4% -7.9%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT
growth rate
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Payable 756.83
730.08
734.77
776.09
733.44
growth rate -3.5% 0.6% 5.6% -5.5%
Cur.Assets 32.43
growth rate
Total Assets 942.95
917.12
936.45
986.97
930.04
growth rate -2.7% 2.1% 5.4% -5.8%
Cash 28.19
growth rate
Inventory 0.03
growth rate
Cur.Liabilities 837.78
812.77
832.51
884.27
821.99
growth rate -3.0% 2.4% 6.2% -7.0%
Liabilities 856.68
829.42
847.31
897.47
838.08
growth rate -3.2% 2.2% 5.9% -6.6%
LT Debt 10.31
10.31
10.31
10.31
10.31
growth rate 0.0% 0.0% 0.0% 0.0%
Equity 86.27
87.70
89.15
89.50
91.97
growth rate 1.7% 1.7% 0.4% 2.8%
Common Shares 3.61
87.70
89.15
89.50
91.97
growth rate 2,331.9% 1.7% 0.4% 2.8%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 9.66
10.61
8.74
7.78
10.60
growth rate 9.8% -17.7% -11.0% 36.2%
Op.Income 2.78
3.54
2.34
0.89
3.60
growth rate 27.4% -33.9% -61.8% 303.1%
IBT 2.78
3.54
2.34
0.89
3.60
growth rate 27.4% -33.9% -61.8% 303.1%
Net Income 1.72
2.71
1.91
0.80
2.96
growth rate 57.8% -29.7% -57.8% 268.0%
Gross Profit 9.66
10.61
8.74
7.78
10.60
growth rate 9.8% -17.7% -11.0% 36.2%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (60.26)

YOY Growth Grade:

C (53.67)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.96 12.96
EPS / Growth 2.72

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 9.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 9.4% 9.4% 9.4%
Future PE 0.01 10.57 10.57
Future EPS 6.66 6.66 6.66
Value Price
MOS %
0.02
-100.0%
17.40
-50.6%
17.40
-50.6%
MOS Price 0.01 8.70 8.70
IRT 8.33 8.33 8.33

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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