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CTYP

Community Bankers' Corporation

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Price alert · CTYP

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10.79 USD -0.01 -0.09%
As of Oct 30, 2026
10.30 Day range 10.79
6.07 52-week range 11.50
YTD
+35.72%
1 year
+72.64%
Open
10.30
Prev close
10.80
Mkt cap
24.39M
Vol
500
Avg vol
249
EPS
1.11
P/E
9.72
More statistics
Low
10.30
High
10.79

5D chart

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1m5m15m30m

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Financial health

Altman Z-Score

0.48 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

2 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 7.2×
FY 2005: 19.0×FY 2006: 20.3×FY 2007: 17.4×FY 2019: 8.8×FY 2020: 8.7×FY 2021: 8.3×FY 2022: 7.0×FY 2023: 12.2×FY 2024: 7.3×FY 2025: 7.2×
FY 2005 5y median 7.3× FY 2025
P/S 0.8×
FY 2005: 2.9×FY 2006: 2.7×FY 2007: 2.4×FY 2019: 1.2×FY 2020: 1.1×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 0.8×
FY 2005 5y median 1.0× FY 2025
P/B 0.8×
FY 2005: 2.0×FY 2006: 2.0×FY 2007: 1.6×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 1.3×FY 2023: 0.9×FY 2024: 0.7×FY 2025: 0.8×
FY 2005 5y median 0.8× FY 2025
P/FCF 6.1×
FY 2005: 0.0×FY 2006: 0.0×FY 2007: 0.0×FY 2019: 7.1×FY 2020: 6.1×FY 2021: 6.0×FY 2022: 5.5×FY 2023: 20.5×FY 2024: 8.5×FY 2025: 6.1×
FY 2005 5y median 6.1× FY 2025
EV/EBITDA 2.2×
FY 2005: 19.7×FY 2006: 23.1×FY 2007: 27.8×FY 2019: 6.8×FY 2020: 2.7×FY 2021: 4.4×FY 2022: 6.5×FY 2023: 18.4×FY 2024: 0.0×FY 2025: 2.2×
FY 2005 5y median 4.4× FY 2025
EV/Sales 0.3×
FY 2005: 4.2×FY 2006: 3.9×FY 2007: 4.8×FY 2019: 1.4×FY 2020: 0.6×FY 2021: 1.1×FY 2022: 1.5×FY 2023: 1.6×FY 2024: 1.7×FY 2025: 0.3×
FY 2005 5y median 1.5× FY 2025
FCF Yield 16.3%
FY 2005: 0.0%FY 2006: 0.0%FY 2007: 0.0%FY 2019: 14.1%FY 2020: 16.3%FY 2021: 16.8%FY 2022: 18.3%FY 2023: 4.9%FY 2024: 11.8%FY 2025: 16.3%
FY 2005 5y median 16.3% FY 2025

Profitability

Gross Margin 64.3%
FY 2005: 65.4%FY 2006: 56.3%FY 2007: 54.9%FY 2019: 77.6%FY 2020: 81.0%FY 2021: 85.9%FY 2022: 86.7%FY 2023: 66.5%FY 2024: 100.0%FY 2025: 64.3%
FY 2005 5y median 85.9% FY 2025
Operating Margin 13.7%
FY 2005: 21.2%FY 2006: 17.0%FY 2007: 17.1%FY 2019: 16.9%FY 2020: 14.9%FY 2021: 18.6%FY 2022: 19.6%FY 2023: 7.4%FY 2024: 25.2%FY 2025: 13.7%
FY 2005 5y median 18.6% FY 2025
Net Margin 11.6%
FY 2005: 15.4%FY 2006: 13.4%FY 2007: 13.8%FY 2019: 14.0%FY 2020: 12.4%FY 2021: 15.6%FY 2022: 16.5%FY 2023: 6.9%FY 2024: 13.5%FY 2025: 11.6%
FY 2005 5y median 13.5% FY 2025
ROE 10.6%
FY 2005: 10.7%FY 2006: 9.6%FY 2007: 9.4%FY 2019: 9.4%FY 2020: 7.6%FY 2021: 9.8%FY 2022: 18.5%FY 2023: 7.5%FY 2024: 9.0%FY 2025: 10.6%
FY 2005 5y median 9.8% FY 2025
ROIC 6.7%
FY 2005: 5.0%FY 2006: 4.6%FY 2007: 3.3%FY 2019: 5.9%FY 2020: 4.9%FY 2021: 7.5%FY 2022: 8.8%FY 2023: 2.8%FY 2024: 5.6%FY 2025: 6.7%
FY 2005 5y median 6.7% FY 2025
ROA 0.6%
FY 2005: 0.9%FY 2006: 0.8%FY 2007: 0.8%FY 2019: 0.7%FY 2020: 0.5%FY 2021: 0.6%FY 2022: 0.7%FY 2023: 0.3%FY 2024: 0.4%FY 2025: 0.6%
FY 2005 5y median 0.6% FY 2025

Growth (YoY)

Revenue 77.6%
FY 2005: 3.1%FY 2006: 8.0%FY 2007: 3.4%FY 2019: 0.0%FY 2020: -2.4%FY 2021: 2.9%FY 2022: 2.6%FY 2023: 12.7%FY 2024: -30.6%FY 2025: 77.6%
FY 2005 FY 2025
Operating Income -3.8%
FY 2005: 25.2%FY 2006: -13.4%FY 2007: 4.1%FY 2019: 0.0%FY 2020: -14.2%FY 2021: 28.9%FY 2022: 7.7%FY 2023: -57.4%FY 2024: 137.1%FY 2025: -3.8%
FY 2005 FY 2025
EPS (diluted) 52.1%
FY 2005: 23.7%FY 2006: -5.5%FY 2007: 4.3%FY 2019: 0.0%FY 2020: -13.8%FY 2021: 30.9%FY 2022: 7.5%FY 2023: -53.5%FY 2024: 37.7%FY 2025: 52.1%
FY 2005 FY 2025
Free Cash Flow 106.5%
FY 2005: 0.0%FY 2006: 0.0%FY 2007: 0.0%FY 2019: 0.0%FY 2020: -1.4%FY 2021: 26.6%FY 2022: -0.4%FY 2023: -78.5%FY 2024: 100.2%FY 2025: 106.5%
FY 2005 FY 2025

Financial Health

Current Ratio 0.0×
FY 2005: 0.0×FY 2006: 0.0×FY 2007: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2005 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2005: 0.0×FY 2006: 0.0×FY 2007: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2005 5y median 0.0× FY 2025
Debt / Equity 0.1×
FY 2005: 1.2×FY 2006: 1.1×FY 2007: 1.9×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.1×FY 2022: 0.8×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 0.1×
FY 2005 5y median 0.8× FY 2025
Net Debt / EBITDA -3.2×
FY 2005: 5.9×FY 2006: 7.0×FY 2007: 14.0×FY 2019: 0.9×FY 2020: -2.5×FY 2021: -1.0×FY 2022: 1.6×FY 2023: 8.8×FY 2024: 0.0×FY 2025: -3.2×
FY 2005 5y median 0.0× FY 2025
Interest Coverage 0.4×
FY 2005: 0.6×FY 2006: 0.4×FY 2007: 0.4×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 1.3×FY 2022: 1.5×FY 2023: 0.2×FY 2024: 0.4×FY 2025: 0.4×
FY 2005 5y median 0.4× FY 2025

Dividends

Dividend Yield 1.4%
FY 2005: 2.6%FY 2006: 2.9%FY 2007: 3.5%FY 2019: 4.3%FY 2020: 5.1%FY 2021: 4.1%FY 2022: 4.5%FY 2023: 3.9%FY 2024: 0.0%FY 2025: 1.4%
FY 2005 5y median 3.9% FY 2025
Payout Ratio 10.0%
FY 2005: 49.4%FY 2006: 58.4%FY 2007: 60.7%FY 2019: 38.3%FY 2020: 44.4%FY 2021: 34.1%FY 2022: 31.5%FY 2023: 46.6%FY 2024: 0.0%FY 2025: 10.0%
FY 2005 5y median 31.5% FY 2025

Annual · latest fiscal year ends 2025-12-31