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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.29
ESXB's Cash to Debt is ranked higher than
58% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ESXB: 0.29 )
ESXB' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 0.29

Equity to Asset 0.10
ESXB's Equity to Asset is ranked higher than
65% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ESXB: 0.10 )
ESXB' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.75
Current: 0.1

0.1
0.75
Interest Coverage 1.19
ESXB's Interest Coverage is ranked higher than
67% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ESXB: 1.19 )
ESXB' s 10-Year Interest Coverage Range
Min: 0.12   Max: 9999.99
Current: 1.19

0.12
9999.99
F-Score: 4
Z-Score: 0.04
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 17.62
ESXB's Operating margin (%) is ranked higher than
57% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. ESXB: 17.62 )
ESXB' s 10-Year Operating margin (%) Range
Min: -67.12   Max: 85.06
Current: 17.62

-67.12
85.06
Net-margin (%) 12.38
ESXB's Net-margin (%) is ranked higher than
57% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.45 vs. ESXB: 12.38 )
ESXB' s 10-Year Net-margin (%) Range
Min: -46.3   Max: 49.54
Current: 12.38

-46.3
49.54
ROE (%) 5.54
ESXB's ROE (%) is ranked higher than
63% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.96 vs. ESXB: 5.54 )
ESXB' s 10-Year ROE (%) Range
Min: -22.67   Max: 5.54
Current: 5.54

-22.67
5.54
ROA (%) 0.54
ESXB's ROA (%) is ranked higher than
62% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. ESXB: 0.54 )
ESXB' s 10-Year ROA (%) Range
Min: -2.43   Max: 1.91
Current: 0.54

-2.43
1.91
ROC (Joel Greenblatt) (%) 30.15
ESXB's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1430 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. ESXB: 30.15 )
ESXB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -85.52   Max: 30.15
Current: 30.15

-85.52
30.15
Revenue Growth (%) 1.10
ESXB's Revenue Growth (%) is ranked higher than
73% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. ESXB: 1.10 )
ESXB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 112.5
Current: 1.1

0
112.5
» ESXB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 18.20
ESXB's P/E(ttm) is ranked higher than
51% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. ESXB: 18.20 )
ESXB' s 10-Year P/E(ttm) Range
Min: 6.03   Max: 138
Current: 18.2

6.03
138
P/B 0.92
ESXB's P/B is ranked higher than
78% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ESXB: 0.92 )
ESXB' s 10-Year P/B Range
Min: 0.18   Max: 1.71
Current: 0.92

0.18
1.71
P/S 1.90
ESXB's P/S is ranked higher than
75% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. ESXB: 1.90 )
ESXB' s 10-Year P/S Range
Min: 0.35   Max: 101.71
Current: 1.9

0.35
101.71
PFCF 2.93
ESXB's PFCF is ranked higher than
84% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. ESXB: 2.93 )
ESXB' s 10-Year PFCF Range
Min: 0.46   Max: 62
Current: 2.93

0.46
62
EV-to-EBIT 21.53
ESXB's EV-to-EBIT is ranked lower than
51% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. ESXB: 21.53 )
ESXB' s 10-Year EV-to-EBIT Range
Min: 1.4   Max: 979.6
Current: 21.53

1.4
979.6
PEG 1.30
ESXB's PEG is ranked higher than
62% of the 849 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. ESXB: 1.30 )
ESXB' s 10-Year PEG Range
Min: 0.13   Max: 2.02
Current: 1.3

0.13
2.02

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.01
ESXB's Price/Tangible Book is ranked higher than
76% of the 1362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. ESXB: 1.01 )
ESXB' s 10-Year Price/Tangible Book Range
Min: 0.3   Max: 1.54
Current: 1.01

0.3
1.54
Price/DCF (Projected) 0.28
ESXB's Price/DCF (Projected) is ranked higher than
91% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. ESXB: 0.28 )
ESXB' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 0.3
Current: 0.28

0.16
0.3
Price/Median PS Value 1.31
ESXB's Price/Median PS Value is ranked lower than
57% of the 1478 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. ESXB: 1.31 )
ESXB' s 10-Year Price/Median PS Value Range
Min: 0.34   Max: 27.92
Current: 1.31

0.34
27.92
Price/Graham Number 0.76
ESXB's Price/Graham Number is ranked higher than
72% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. ESXB: 0.76 )
ESXB' s 10-Year Price/Graham Number Range
Min: 0.44   Max: 2.03
Current: 0.76

0.44
2.03
Earnings Yield (Greenblatt) 4.60
ESXB's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. ESXB: 4.60 )
ESXB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 72.7
Current: 4.6

0.1
72.7
Forward Rate of Return (Yacktman) 4.36
ESXB's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1095 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.48 vs. ESXB: 4.36 )
ESXB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.6   Max: 76.4
Current: 4.36

-5.6
76.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Community Bankers Trust Corporation was incorporated under Delaware law on April 6, 2005. It is the holding company for Bank of Essex, a Virginia state bank with 24 full-service offices in Virginia, Maryland and Georgia. Bank of Essex was established in 1926 and is engaged in a general commercial banking business and provides a range of financial services mainly to individuals and small businesses, including individual and commercial demand and time deposit accounts, commercial and consumer loans, travelers checks, safe deposit box facilities, investment services and fixed rate residential mortgages. Its fourteen offices are located in Virginia, mainly from the Chesapeake Bay to just west of Richmond, seven are located in Maryland along the Baltimore-Washington corridor and four are located in the Atlanta, Georgia metropolitan market. Essex Services, Inc. is a wholly-owned subsidiary of Bank of Essex and was formed to sell title insurance to Bank of Essex's mortgage loan customers. Essex Services, Inc. also offers insurance products through an ownership interest in Bankers Insurance, LLC and investment products through an affiliation with VBA Investments, LLC. Bank of Essex operates in a highly competitive environment, competing for deposits and loans with commercial corporations, savings and loans and other financial institutions, including non-bank competitors, many of which possess greater financial resources than those available to it. The Company is subject to regulation under the Bank Holding Company Act of 1956, as amended and the examination and reporting requirements of the Board of Governors of the Federal Reserve System.
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