Logo image of ESXB

Community Bankers Trust Corporation (ESXB) Stock Fundamental Analysis

NASDAQ:ESXB - Nasdaq - Common Stock

11.3  -0.47 (-3.99%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to ESXB. ESXB was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of ESXB have multiple concerns. ESXB is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

0

1. Profitability

1.1 Basic Checks

ESXB had positive earnings in the past year.
ESXB Yearly Net Income VS EBIT VS OCF VS FCFESXB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 0 5M 10M 15M 20M

1.2 Ratios

Industry RankSector Rank
ROA 1.36%
ROE 13.06%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ESXB Yearly ROA, ROE, ROICESXB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 0 2 -2 4 6 8 10

1.3 Margins

The Operating Margin and Gross Margin are not available for ESXB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 37.99%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ESXB Yearly Profit, Operating, Gross MarginsESXB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 0 10 20

More info and screens

1

2. Health

2.1 Basic Checks

Compared to 1 year ago, ESXB has less shares outstanding
Compared to 1 year ago, ESXB has an improved debt to assets ratio.
ESXB Yearly Shares OutstandingESXB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 5M 10M 15M 20M
ESXB Yearly Total Debt VS Total AssetsESXB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 500M 1B 1.5B

2.2 Solvency

ESXB has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ESXB Yearly LT Debt VS Equity VS FCFESXB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

More info and screens

6

3. Growth

3.1 Past

ESXB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 70.97%, which is quite impressive.
The Earnings Per Share has been growing by 53.42% on average over the past years. This is a very strong growth
The Revenue has grown by 14.12% in the past year. This is quite good.
ESXB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.87% yearly.
EPS 1Y (TTM)70.97%
EPS 3Y12.31%
EPS 5Y53.42%
EPS Q2Q%40%
Revenue 1Y (TTM)14.12%
Revenue growth 3Y5.59%
Revenue growth 5Y4.87%
Sales Q2Q%14.08%

3.2 Future

The Earnings Per Share is expected to grow by 12.86% on average over the next years. This is quite good.
ESXB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.45% yearly.
EPS Next Y48.5%
EPS Next 2Y7.82%
EPS Next 3Y10.79%
EPS Next 5Y12.86%
Revenue Next Year13.08%
Revenue Next 2Y4.82%
Revenue Next 3Y4.23%
Revenue Next 5Y4.45%

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
ESXB Yearly Revenue VS EstimatesESXB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
ESXB Yearly EPS VS EstimatesESXB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.66, which indicates a very decent valuation of ESXB.
ESXB is valuated cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 14.29, the valuation of ESXB can be described as correct.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, ESXB is valued a bit cheaper.
Industry RankSector Rank
PE 10.66
Fwd PE 14.29
ESXB Price Earnings VS Forward Price EarningsESXB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ESXB Per share dataESXB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

ESXB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.22
PEG (5Y)0.2
EPS Next 2Y7.82%
EPS Next 3Y10.79%

More info and screens

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.51%, ESXB has a reasonable but not impressive dividend return.
Compared to an average S&P500 Dividend Yield of 2.27, ESXB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.51%

5.2 History

ESXB has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
ESXB Yearly Dividends per shareESXB Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

ESXB pays out 23.21% of its income as dividend. This is a sustainable payout ratio.
DP23.21%
EPS Next 2Y7.82%
EPS Next 3Y10.79%
ESXB Yearly Income VS Free CF VS DividendESXB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 0 5M 10M 15M 20M
ESXB Dividend Payout.ESXB Dividend Payout, showing the Payout Ratio.ESXB Dividend Payout.PayoutRetained Earnings

More info and screens

Community Bankers Trust Corporation

NASDAQ:ESXB (12/3/2021, 8:56:13 PM)

11.3

-0.47 (-3.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.04%
Inst Owner Change0%
Ins Owners3.11%
Ins Owner Change0%
Market Cap259.92M
Analysts77.78
Price Target11.76 (4.07%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.51%
Yearly Dividend0.21
Dividend Growth(5Y)N/A
DP23.21%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.66
Fwd PE 14.29
P/S 4.1
P/FCF N/A
P/OCF N/A
P/B 1.41
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.06
EY9.38%
EPS(NY)0.79
Fwd EY7%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.75
BVpS8.01
TBVpSN/A
PEG (NY)0.22
PEG (5Y)0.2
Profitability
Industry RankSector Rank
ROA 1.36%
ROE 13.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.99%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)70.97%
EPS 3Y12.31%
EPS 5Y53.42%
EPS Q2Q%40%
EPS Next Y48.5%
EPS Next 2Y7.82%
EPS Next 3Y10.79%
EPS Next 5Y12.86%
Revenue 1Y (TTM)14.12%
Revenue growth 3Y5.59%
Revenue growth 5Y4.87%
Sales Q2Q%14.08%
Revenue Next Year13.08%
Revenue Next 2Y4.82%
Revenue Next 3Y4.23%
Revenue Next 5Y4.45%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A