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Community Bankers' Corporation

CTYP

(2.0)
Stock Price

4,69 USD

0.3% ROA

8.06% ROE

8.61x PER

Market Cap.

11.132.000,00 USD

157.72% DER

0% Yield

6.86% NPM

Community Bankers' Corporation Stock Analysis

Community Bankers' Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Community Bankers' Corporation Fundamental Stock Analysis
# Analysis Rating
1 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

2 PBV

The stock's low PBV ratio (0x) suggests it's undervalued, making it an attractive opportunity for investors.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 ROE

The stock's ROE falls within an average range (9.8%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.8%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

7 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

8 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (0) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

9 DER

The stock is burdened with a heavy load of debt (113%), making it financially unstable and potentially risky for investors.

10 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

Community Bankers' Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Community Bankers' Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Hold

Community Bankers' Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Community Bankers' Corporation Revenue
Year Revenue Growth
2004 7.614.631
2005 7.474.000 -1.88%
2006 7.221.000 -3.5%
2007 7.076.000 -2.05%
2019 15.112.258 53.18%
2020 14.638.056 -3.24%
2021 14.989.315 2.34%
2022 15.575.498 3.76%
2023 17.561.463 11.31%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Community Bankers' Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Community Bankers' Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 2.657.854
2005 2.809.000 5.38%
2006 2.791.000 -0.64%
2007 3.248.000 14.07%
2019 270.202 -1102.06%
2020 312.084 13.42%
2021 416.618 25.09%
2022 426.441 2.3%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Community Bankers' Corporation EBITDA
Year EBITDA Growth
2004 1.999.452
2005 2.423.000 17.48%
2006 2.098.000 -15.49%
2007 2.012.000 -4.27%
2019 337.082 -496.89%
2020 335.720 -0.41%
2021 308.372 -8.87%
2022 296.503 -4%
2023 295.874 -0.21%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Community Bankers' Corporation Gross Profit
Year Gross Profit Growth
2004 7.614.631
2005 7.474.000 -1.88%
2006 7.221.000 -3.5%
2007 7.076.000 -2.05%
2019 15.112.258 53.18%
2020 14.638.056 -3.24%
2021 14.989.315 2.34%
2022 15.575.498 3.76%
2023 17.561.463 11.31%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Community Bankers' Corporation Net Profit
Year Net Profit Growth
2004 1.425.765
2005 1.763.000 19.13%
2006 1.657.000 -6.4%
2007 1.736.000 4.55%
2019 2.121.787 18.18%
2020 1.833.279 -15.74%
2021 2.374.784 22.8%
2022 2.570.835 7.63%
2023 1.204.352 -113.46%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Community Bankers' Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 1
2005 1 0%
2006 1 0%
2007 1 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Community Bankers' Corporation Free Cashflow
Year Free Cashflow Growth
2004 2.159.192
2005 0 0%
2006 0 0%
2007 0 0%
2019 2.649.301 100%
2020 2.613.122 -1.38%
2021 3.307.034 20.98%
2022 3.292.529 -0.44%
2023 709.366 -364.15%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Community Bankers' Corporation Operating Cashflow
Year Operating Cashflow Growth
2004 2.242.126
2005 0 0%
2006 0 0%
2007 0 0%
2019 2.721.686 100%
2020 2.706.456 -0.56%
2021 3.497.493 22.62%
2022 3.441.338 -1.63%
2023 963.957 -257%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Community Bankers' Corporation Capital Expenditure
Year Capital Expenditure Growth
2004 82.934
2005 0 0%
2006 0 0%
2007 0 0%
2019 72.385 100%
2020 93.334 22.45%
2021 190.459 51%
2022 148.809 -27.99%
2023 254.591 41.55%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Community Bankers' Corporation Equity
Year Equity Growth
2004 16.580.275
2005 16.460.000 -0.73%
2006 17.205.000 4.33%
2007 18.602.000 7.51%
2019 22.509.004 17.36%
2020 24.238.880 7.14%
2021 24.197.791 -0.17%
2022 13.906.059 -74.01%
2023 15.980.824 12.98%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Community Bankers' Corporation Assets
Year Assets Growth
2004 194.247.801
2005 199.173.000 2.47%
2006 207.510.000 4.02%
2007 220.743.000 5.99%
2019 319.851.958 30.99%
2020 355.976.938 10.15%
2021 389.966.663 8.72%
2022 385.442.622 -1.17%
2023 401.967.516 4.11%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Community Bankers' Corporation Liabilities
Year Liabilities Growth
2004 177.667.526
2005 11.857.000 -1398.42%
2006 9.659.000 -22.76%
2007 21.575.000 55.23%
2019 297.342.954 92.74%
2020 331.738.058 10.37%
2021 365.768.872 9.3%
2022 371.536.563 1.55%
2023 385.986.692 3.74%

Community Bankers' Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.79
Net Income per Share
0.53
Price to Earning Ratio
8.61x
Price To Sales Ratio
0.63x
POCF Ratio
10.76
PFCF Ratio
15.69
Price to Book Ratio
0.65
EV to Sales
2.33
EV Over EBITDA
138.41
EV to Operating CashFlow
42.48
EV to FreeCashFlow
57.73
Earnings Yield
0.12
FreeCashFlow Yield
0.06
Market Cap
0,01 Bil.
Enterprise Value
0,04 Bil.
Graham Number
9.23
Graham NetNet
-173.29

Income Statement Metrics

Net Income per Share
0.53
Income Quality
0.8
ROE
0.08
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.93
EBT Per Ebit
0
Ebit per Revenue
0
Effective Tax Rate
0.07

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0
Pretax Profit Margin
0.07
Net Profit Margin
0.07

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.47
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.43
Free CashFlow per Share
0.31
Capex to Operating CashFlow
0.26
Capex to Revenue
0.01
Capex to Depreciation
0.86
Return on Invested Capital
0
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.11

Balance Sheet

Cash per Share
-2,05
Book Value per Share
7,09
Tangible Book Value per Share
6.93
Shareholders Equity per Share
7.09
Interest Debt per Share
11.49
Debt to Equity
1.58
Debt to Assets
0.06
Net Debt to EBITDA
100.79
Current Ratio
0.01
Tangible Asset Value
0,02 Bil.
Net Current Asset Value
-0,38 Bil.
Invested Capital
-306071411
Working Capital
-0,31 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.26

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Community Bankers' Corporation Dividends
Year Dividends Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Community Bankers' Corporation Profile

About Community Bankers' Corporation

Community Bankers' Corporation operates as a bank holding company for Marion Center Bank, which provides personal and business banking services in Indiana. It offers checking, savings, certificates of deposit, and individual retirement accounts. The company's loan products comprise mortgage loans, construction loans, home equity loans, and home equity lines of credit loans; and real estate, land, term, lines of credit, letters of credit, and customized loans. In addition, it offers debit, ATM, credit, travel, youth, gift, and reloadable cards; merchant and ACH origination services; Internet banking and phone banking services; and safe deposit boxes. The company was founded in 1905 and is headquartered in Indiana, Pennsylvania.

CEO
Mr. George P. Karlheim
Employee
67
Address
1271 Indian Springs Road
Indiana, 15701

Community Bankers' Corporation Executives & BODs

Community Bankers' Corporation Executives & BODs
# Name Age
1 Anna M. Mano
Secretary
70
2 Mr. George P. Karlheim
President & Chief Executive Officer
70
3 Ms. Trisha J. Brewer CPA
Treasurer, Senior Vice President & Chief Financial Officer
70

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