Community Bankers Trust Corporation (ESXB) Fundamental Analysis & Valuation

NASDAQ:ESXB

Current stock price

11.3
-0.47 (-3.99%)
Last:

This ESXB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. ESXB Profitability Analysis

1.1 Basic Checks

  • In the past year ESXB was profitable.
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 2016 2017 2018 2019 2020 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 2016 2017 2018 2019 2020 2 4 6 8 10

1.3 Margins

  • ESXB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2016 2017 2018 2019 2020 5 10 15 20 25

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1

2. ESXB Health Analysis

2.1 Basic Checks

  • ESXB has less shares outstanding than it did 1 year ago.
  • The debt/assets ratio for ESXB has been reduced compared to a year ago.
ESXB Yearly Shares OutstandingESXB Yearly Shares OutstandingYearly Shares Outstanding 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 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 2016 2017 2018 2019 2020 50M 100M 150M

2.3 Liquidity

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

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6

3. ESXB Growth Analysis

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
  • Looking at the last year, ESXB shows a quite strong growth in Revenue. The Revenue has grown by 14.12% in the last year.
  • The Revenue has been growing slightly by 4.87% on average over the past years.
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.
  • 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

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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.
ESXB Yearly Revenue VS EstimatesESXB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

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3

4. ESXB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.66 indicates a reasonable valuation of ESXB.
  • The average S&P500 Price/Earnings ratio is at 26.64. ESXB is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 14.29 indicates a correct valuation of ESXB.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.36, 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%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. ESXB Dividend Analysis

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 a higher than the S&P500 average which is at 1.80.
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 2016 2017 2018 2019 2020 5M 10M 15M 20M
ESXB Dividend Payout.ESXB Dividend Payout, showing the Payout Ratio.ESXB Dividend Payout.PayoutRetained Earnings

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ESXB Fundamentals: All Metrics, Ratios and Statistics

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
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners0.04%
Inst Owner Change0%
Ins Owners3.11%
Ins Owner Change0%
Market Cap259.92M
Revenue(TTM)63.37M
Net Income(TTM)24.08M
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
Graham Number0 (-100%)
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
ROICexgc growth 3Y0%
ROICexgc 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

Community Bankers Trust Corporation / ESXB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for Community Bankers Trust Corporation?

ChartMill assigns a fundamental rating of 5 / 10 to ESXB.


What is the valuation status for ESXB stock?

ChartMill assigns a valuation rating of 6 / 10 to Community Bankers Trust Corporation (ESXB). This can be considered as Fairly Valued.


How profitable is Community Bankers Trust Corporation (ESXB) stock?

Community Bankers Trust Corporation (ESXB) has a profitability rating of 6 / 10.


What is the earnings growth outlook for Community Bankers Trust Corporation?

The Earnings per Share (EPS) of Community Bankers Trust Corporation (ESXB) is expected to grow by 48.5% in the next year.


Is the dividend of Community Bankers Trust Corporation sustainable?

The dividend rating of Community Bankers Trust Corporation (ESXB) is 5 / 10 and the dividend payout ratio is 23.21%.