ESXB Stock Overview
Community Bankers Trust Corporation operates as the holding company for Essex Bank that provides financial services primarily to individuals, small businesses, and commercial companies.
Community Bankers Trust Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$11.30|
|52 Week High||US$12.50|
|52 Week Low||US$6.67|
|1 Month Change||-6.69%|
|3 Month Change||2.08%|
|1 Year Change||61.89%|
|3 Year Change||36.64%|
|5 Year Change||69.93%|
|Change since IPO||59.16%|
Recent News & Updates
|ESXB||US Banks||US Market|
Return vs Industry: ESXB exceeded the US Banks industry which returned 40.8% over the past year.
Return vs Market: ESXB exceeded the US Market which returned 19.4% over the past year.
|ESXB Average Weekly Movement||4.4%|
|Banks Industry Average Movement||3.7%|
|Market Average Movement||6.6%|
|10% most volatile stocks in US Market||15.9%|
|10% least volatile stocks in US Market||2.4%|
Stable Share Price: ESXB is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: ESXB's weekly volatility (4%) has been stable over the past year.
About the Company
Community Bankers Trust Corporation operates as the holding company for Essex Bank that provides financial services primarily to individuals, small businesses, and commercial companies. It offers individual and commercial demand and time deposit accounts; and commercial and industrial, consumer and small business, and real estate and mortgage loans. The company also provides investment services; online and mobile banking products; cash management services; and investment and insurance products.
Community Bankers Trust Fundamentals Summary
|ESXB fundamental statistics|
Is ESXB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ESXB income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||1.07|
|Net Profit Margin||36.50%|
How did ESXB perform over the long term?See historical performance and comparison
2.5%Current Dividend Yield
Is Community Bankers Trust undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ESXB ($11.3) is trading below our estimate of fair value ($15.63)
Significantly Below Fair Value: ESXB is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ESXB is good value based on its PE Ratio (10.5x) compared to the US Banks industry average (10.8x).
PE vs Market: ESXB is good value based on its PE Ratio (10.5x) compared to the US market (16.9x).
Price to Earnings Growth Ratio
PEG Ratio: ESXB's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: ESXB is overvalued based on its PB Ratio (1.4x) compared to the US Banks industry average (1.1x).
How is Community Bankers Trust forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ESXB's earnings are forecast to decline over the next 3 years (-23.2% per year).
Earnings vs Market: ESXB's earnings are forecast to decline over the next 3 years (-23.2% per year).
High Growth Earnings: ESXB's earnings are forecast to decline over the next 3 years.
Revenue vs Market: ESXB's revenue is expected to decline over the next 3 years (-4.8% per year).
High Growth Revenue: ESXB's revenue is forecast to decline over the next 3 years (-4.8% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if ESXB's Return on Equity is forecast to be high in 3 years time
How has Community Bankers Trust performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ESXB has high quality earnings.
Growing Profit Margin: ESXB's current net profit margins (36.5%) are higher than last year (27.7%).
Past Earnings Growth Analysis
Earnings Trend: ESXB's earnings have grown by 19.1% per year over the past 5 years.
Accelerating Growth: ESXB's earnings growth over the past year (70.3%) exceeds its 5-year average (19.1% per year).
Earnings vs Industry: ESXB earnings growth over the past year (70.3%) exceeded the Banks industry 43.1%.
Return on Equity
High ROE: ESXB's Return on Equity (13.1%) is considered low.
How is Community Bankers Trust's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: ESXB's Assets to Equity ratio (9.6x) is low.
Allowance for Bad Loans: ESXB has a sufficient allowance for bad loans (268%).
Low Risk Liabilities: 94% of ESXB's liabilities are made up of primarily low risk sources of funding.
Loan Level: ESXB has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: ESXB's Loans to Deposits ratio (83%) is appropriate.
Level of Bad Loans: ESXB has an appropriate level of bad loans (0.3%).
What is Community Bankers Trust current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ESXB's dividend (2.48%) is higher than the bottom 25% of dividend payers in the US market (1.35%).
High Dividend: ESXB's dividend (2.48%) is low compared to the top 25% of dividend payers in the US market (3.61%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, ESXB has been paying a dividend for less than 10 years.
Growing Dividend: ESXB's dividend payments have increased, but the company has only paid a dividend for 3 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (23.2%), ESXB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Rex Smith (63 yo)
Mr. Rex L. Smith, III has been the Chief Executive Officer and President at Essex Bank since September 2010. Mr. Smith has been the Chief Executive Officer and President of Community Bankers Trust Corporat...
CEO Compensation Analysis
Compensation vs Market: Rex's total compensation ($USD880.66K) is about average for companies of similar size in the US market ($USD1.15M).
Compensation vs Earnings: Rex's compensation has been consistent with company performance over the past year.
Experienced Management: ESXB's management team is seasoned and experienced (12.3 years average tenure).
Experienced Board: ESXB's board of directors are considered experienced (6.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ESXB insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Community Bankers Trust Corporation's employee growth, exchange listings and data sources
- Name: Community Bankers Trust Corporation
- Ticker: ESXB
- Exchange: NasdaqCM
- Founded: 1926
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$253.850m
- Shares outstanding: 22.46m
- Website: https://www.cbtrustcorp.com/
Number of Employees
- Community Bankers Trust Corporation
- 9954 Mayland Drive
- Suite 2100
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/12/04 00:07|
|End of Day Share Price||2021/12/03 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.