Community Bankers Trust Corporation operates as the holding company for the Essex Bank that provides financial services primarily to individuals, small businesses, and commercial companies. More Details
Flawless balance sheet and good value.
Share Price & News
How has Community Bankers Trust's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ESXB is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: ESXB's weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: ESXB underperformed the US Banks industry which returned 27.7% over the past year.
Return vs Market: ESXB underperformed the US Market which returned 31.2% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Community Bankers Trust's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall StCommunity Bankers Trust (NASDAQ:ESXB) Could Be A Buy For Its Upcoming Dividend
1 month ago | Simply Wall StHere's What Community Bankers Trust Corporation's (NASDAQ:ESXB) Shareholder Ownership Structure Looks Like
2 months ago | Simply Wall StWhy Community Bankers Trust Corporation (NASDAQ:ESXB) Should Be In Your Dividend Portfolio
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 ($8.14) is trading below our estimate of fair value ($10.53)
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 (11.6x) compared to the US Banks industry average (12.8x).
PE vs Market: ESXB is good value based on its PE Ratio (11.6x) compared to the US market (21x).
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's PB Ratio (1.1x) is in line with the US Banks industry average.
How is Community Bankers Trust forecast to perform in the next 1 to 3 years based on estimates from 4 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 (-3.7% per year).
Earnings vs Market: ESXB's earnings are forecast to decline over the next 3 years (-3.7% per year).
High Growth Earnings: ESXB's earnings are forecast to decline over the next 3 years.
Revenue vs Market: ESXB's revenue (5.5% per year) is forecast to grow slower than the US market (10.1% per year).
High Growth Revenue: ESXB's revenue (5.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ESXB's Return on Equity is forecast to be low in 3 years time (8%).
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 (29.3%) are higher than last year (28.6%).
Past Earnings Growth Analysis
Earnings Trend: ESXB has become profitable over the past 5 years, growing earnings by 28.6% per year.
Accelerating Growth: ESXB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ESXB had negative earnings growth (-0.9%) over the past year, making it difficult to compare to the Banks industry average (0.5%).
Return on Equity
High ROE: ESXB's Return on Equity (9.2%) 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 (9.7x) is low.
Allowance for Bad Loans: ESXB has a sufficient allowance for bad loans (351%).
Low Risk Liabilities: 95% 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 (73%).
Low Risk Deposits: ESXB's Loans to Deposits ratio (85%) 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 (2.95%) is higher than the bottom 25% of dividend payers in the US market (1.34%).
High Dividend: ESXB's dividend (2.95%) is low compared to the top 25% of dividend payers in the US market (3.72%).
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 2 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (30%), ESXB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: ESXB's dividends in 3 years are forecast to be well covered by earnings (36.8% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Rex Smith (62 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 ($USD950.36K) is about average for companies of similar size in the US market ($USD948.55K).
Compensation vs Earnings: Rex's compensation has been consistent with company performance over the past year.
|Executive VP & CFO||12.83yrs||US$512.26k||0.14% |
|Executive VP||12yrs||US$383.32k||0.11% |
|Executive VP & COO of Essex Bank||8.67yrs||US$393.42k||0.14% |
|Executive VP & Chief Risk Officer of Essex Bank||10.83yrs||US$248.57k||0.070% |
|Special Advisor||15.75yrs||no data||no data|
Experienced Management: ESXB's management team is seasoned and experienced (11.4 years average tenure).
|Independent Director||16.17yrs||US$45.46k||0.51% |
|Director||0.42yr||no data||0.010% |
|Independent Chairman of the Board||9.83yrs||US$62.05k||0.56% |
|Independent Director||12.83yrs||US$50.23k||0.36% |
|Independent Director||1.75yrs||US$22.40k||0.025% |
|Independent Director||10yrs||US$45.98k||0.25% |
|Independent Director||7yrs||US$47.46k||0.16% |
|Independent Director||4yrs||US$50.23k||0.19% |
|Independent Director||2.75yrs||US$37.71k||0.065% |
|Independent Director||2.75yrs||US$42.48k||0.14% |
Experienced Board: ESXB's board of directors are considered experienced (7 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 company bio, employee growth, exchange listings and data sources
- Name: Community Bankers Trust Corporation
- Ticker: ESXB
- Exchange: NasdaqCM
- Founded: 1926
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$181.693m
- Shares outstanding: 22.32m
- Website: https://www.cbtrustcorp.com
Number of Employees
- Community Bankers Trust Corporation
- 9954 Mayland Drive
- Suite 2100
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ESXB||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Sep 2006|
|44U||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Sep 2006|
Community Bankers Trust Corporation operates as the holding company for the Essex Bank that provides financial services primarily to individuals, small businesses, and commercial companies. It offers indiv...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/03/04 23:51|
|End of Day Share Price||2021/03/04 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.