Fundamental Analysis of Community Bankers Trust Corporation(NASDAQ:ESXB) stock

Fundamental Rating

Taking everything into account, ESXB scores 2 out of 10 in our fundamental rating. ESXB was compared to 412 industry peers in the Banks industry. ESXB may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, ESXB is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

ESXB had positive earnings in the past year.

1.2 Ratios

		Industry Rank	Sector 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

1.3 Margins

The Operating Margin and Gross Margin are not available for ESXB so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for ESXB has been reduced compared to 1 year ago.

The debt/assets ratio for ESXB has been reduced compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 0.02 indicates that ESXB is not too dependend on debt financing.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

ESXB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 53.42% yearly.

Looking at the last year, ESXB shows a quite strong growth in Revenue. The Revenue has grown by 14.12% in the last year.

Measured over the past years, ESXB shows a small growth in Revenue. The Revenue has been growing by 4.87% on average per year.

EPS 1Y (TTM)70.97%

EPS 3Y12.31%

EPS 5Y53.42%

EPS growth Q2Q40%

Revenue 1Y (TTM)14.12%

Revenue growth 3Y5.59%

Revenue growth 5Y4.87%

Revenue growth Q2Q14.08%

3.2 Future

The Earnings Per Share is expected to grow by 12.86% on average over the next years. This is quite good.

The Revenue is expected to grow by 4.45% on average over the next years.

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.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.66 indicates a reasonable valuation of ESXB.

ESXB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.73.

ESXB is valuated correctly with a Price/Forward Earnings ratio of 14.29.

ESXB's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.41.

		Industry Rank	Sector Rank
PE	10.66
Fwd PE	14.29

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The 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%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.51%, ESXB has a reasonable but not impressive dividend return.

ESXB's Dividend Yield is comparable with the S&P500 average which is at 2.41.

		Industry Rank	Sector 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

5.3 Sustainability

23.21% of the earnings are spent on dividend by ESXB. This is a low number and sustainable payout ratio.

DP23.21%

EPS Next 2Y7.82%

EPS Next 3Y10.79%

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Community Bankers Trust Corporation

NASDAQ:ESXB (12/3/2021, 7:56:13 PM)

11.3

-0.47 (-3.99%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap259.92M

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.51%

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	10.66
Fwd PE	14.29
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)0.22

PEG (5Y)0.2

Profitability

		Industry Rank	Sector Rank
ROA	1.36%
ROE	13.06%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	37.99%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)70.97%

EPS 3Y12.31%

EPS 5Y

EPS growth Q2Q

EPS Next Y48.5%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)14.12%

Revenue growth 3Y5.59%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

Community Bankers Trust Corporation (ESXB)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens