Community Bankers' Corporation (CTYP) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Community Bankers' Corporation $10.18, price $10.80, upside -5.7%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Community Bankers' Corporation for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $3.89 – $11.50 · fair‑value band $9.12 – $16.94 · the $10.80 price screens above the $10.18 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
Follow Community Bankers' in your weekly email
Every Wednesday you see whether Community Bankers' is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Community Bankers' Corporation operates as a bank holding company for Marion Center Bank, which provides personal and business banking services in Indiana. It offers checking, savings, certificates of deposit, and individual retirement accounts.
Show more
Community Bankers' Corporation operates as a bank holding company for Marion Center Bank, which provides personal and business banking services in Indiana. It offers checking, savings, certificates of deposit, and individual retirement accounts. The company's loan products comprise mortgage loans, construction loans, home equity loans, and home equity lines of credit loans; and real estate, land, term, lines of credit, letters of credit, and customized loans. In addition, it offers debit, ATM, credit, travel, youth, gift, and reloadable cards; merchant and ACH origination services; Internet banking and phone banking services; and safe deposit boxes. The company was founded in 1905 and is headquartered in Indiana, Pennsylvania.
Stock analysis
Community Bankers' Corporation (CTYP) currently trades at $10.80, while our model-based Fair Value estimate is $10.18, implying the stock looks roughly 6.1% fairly valued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $14.43 per share, and 2 of the 6 models we run sit above the $10.80 price.
Bear case: the Dividend Discount group reads lowest at $1.67, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $9.12 (bear) to $16.94 (bull), the price of $10.80 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Community Bankers' Corporation reported revenue of $21.6M in FY2025 versus $15.2M in FY2021, a compound +9.3%/yr. Reported net income was $2.5M in FY2025, compounding +1.4%/yr from FY2021.
Key figures
Market cap $24.4M · P/E ratio 9.7 · P/S ratio 1.13 · EPS (TTM) $1.11 · Dividend yield 1.0% · Net margin 11.6% · Return on assets (EBIT) 0.7% · Free cash flow $2.9M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 81% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −6%, CTYP screens cheaper than that median.
Fair Value models
Bear $9.12Fair Value $10.18Bull $16.94
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.8150 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
≈ +3.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.9%
Dividend (yield on the price)1.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 14%
⚠ Rate on operating basis: 2025 sits 53% above its own trend.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−19.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −21.3% a year for the price.
Compare Community Bankers' Corporation with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score51 · Below median
Fair Value upside−6% · Above median
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)12% · Bottom 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Bottom 25%
Dividend yield (TTM)1.0% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Community Bankers' Corporation (CTYP) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $10.18 versus a price of $10.80, about −6% upside (fairly valued).
What is the fair value of CTYP?
Our model-based fair value for Community Bankers' Corporation is $10.18 (as of Sep 23, 2026), built from audited fundamentals. The current price: $10.80.
What is the quality score of CTYP?
Community Bankers' Corporation has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Community Bankers' Corporation (CTYP)?
Our model-based price target is the fair value of $10.18 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $9.12, optimistic scenario $16.94. It is a calculation from audited fundamentals, not an analyst target.
What is the Community Bankers' Corporation stock forecast for 2026?
Our models put fair value at $10.18, about −6% upside versus a price of $10.80 (fairly valued). Cautious scenario $9.12, optimistic scenario $16.94. The calculation is refreshed regularly with new filings.
Does Community Bankers' Corporation pay a dividend?
Community Bankers' Corporation currently shows a dividend yield of about 0.96% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Community Bankers' Corporation (CTYP)?
For today's price to be fair in a discounted-cash-flow model, Community Bankers' Corporation would have to grow free cash flow by -19.4 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.0 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of CTYP use?
Our models discount Community Bankers' Corporation at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Community Bankers' Corporation that is -19.4 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Community Bankers' Corporation (CTYP) delivered so far?
Over the past 5 years revenue at Community Bankers' Corporation grew +8.0 % a year. The price currently implies -19.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Community Bankers' Corporation (CTYP) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Community Bankers' Corporation (-19.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Community Bankers' Corporation (CTYP)?
The free-cash-flow yield on the price is 12.02 %: that much free cash flow Community Bankers' Corporation produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Community Bankers' Corporation (CTYP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Community Bankers' Corporation it is $10.18 per share (as of Sep 23, 2026), against a price of $10.80. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Community Bankers' Corporation stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CTYP trades above its calculated fair value: price $10.80, fair value $10.18, a gap of about −6% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CTYP?
No. The price is what the market pays today ($10.80); the fair value is what the company's own numbers justify ($10.18). For Community Bankers' Corporation the two are $0.6200 per share apart. That gap is exactly why we show both numbers side by side.
How much is Community Bankers' Corporation worth?
The market values Community Bankers' Corporation at about $24.4M (market capitalisation, as of Sep 23, 2026). Per share that is $10.80; our models calculate a fair value of $10.18 per share.
What do the bullish and bearish scenarios say about CTYP?
Our models span a range for Community Bankers' Corporation: cautious scenario $9.12, base $10.18, optimistic $16.94 per share (as of Sep 23, 2026, price $10.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CTYP?
Community Bankers' Corporation trades at a price-to-earnings ratio of 9.7 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $10.18 is built from several models across several years. Other multiples: P/B 1.0, EV/EBITDA 3.6.
How far is CTYP from its 52-week high?
Community Bankers' Corporation trades at $10.80, about 6% below its 52-week high of $11.50 and 81% above the low of $5.98 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $10.18 is for.
Which stocks are comparable to Community Bankers' Corporation?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Community Bankers' Corporation stock attractive at the current price?
The data as of Sep 23, 2026: price $10.80, calculated fair value $10.18 (−6%), Quality Score 53/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CTYP calculated?
We run Community Bankers' Corporation through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $10.18, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. Community Bankers' Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Community Bankers' Corporation (CTYP)?
The closing price on Sep 24, 2026 was $10.80. Our model-based fair value is $10.18, about −6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Community Bankers' Corporation right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($9.12 to $16.94) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Community Bankers' Corporation
How large is the market capitalisation of Community Bankers' Corporation (CTYP)?
The market capitalisation of Community Bankers' Corporation is $24.4M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Community Bankers' Corporation (CTYP)?
The price-to-sales ratio of Community Bankers' Corporation is 1.13 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Community Bankers' Corporation (CTYP)?
Earnings per share at Community Bankers' Corporation are $1.11 (price ÷ EPS = P/E 9.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Community Bankers' Corporation (CTYP)?
The dividend yield of Community Bankers' Corporation is 1.0% (payout 9.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Community Bankers' Corporation (CTYP)?
The net margin of Community Bankers' Corporation is 11.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Community Bankers' Corporation (CTYP)?
On an EBIT basis the return on assets of Community Bankers' Corporation is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much net cash does Community Bankers' Corporation (CTYP) hold?
Community Bankers' Corporation holds more cash than debt, $10.6M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed
Watch Community Bankers' Corporation in the live analysis
One click puts Community Bankers' Corporation on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Broad data
Sep 23, 2026