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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 0.20
ESXB's Cash to Debt is ranked lower than
83% of the 974 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. ESXB: 0.20 )
ESXB' s 10-Year Cash to Debt Range
Min: 0.19   Max: No Debt
Current: 0.2

Equity to Asset 0.10
ESXB's Equity to Asset is ranked lower than
52% of the 1284 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: 0.09   Max: 0.76
Current: 0.1

0.09
0.76
Interest Coverage 1.48
ESXB's Interest Coverage is ranked lower than
53% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. ESXB: 1.48 )
ESXB' s 10-Year Interest Coverage Range
Min: 0.12   Max: 9999.99
Current: 1.48

0.12
9999.99
F-Score: 5
Z-Score: 0.10
WACC vs ROIC
6.44%
3.97%
WACC
ROIC
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 (%) 20.32
ESXB's Operating margin (%) is ranked lower than
71% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. ESXB: 20.32 )
ESXB' s 10-Year Operating margin (%) Range
Min: -72.15   Max: 85.06
Current: 20.32

-72.15
85.06
Net-margin (%) 15.23
ESXB's Net-margin (%) is ranked lower than
69% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.19 vs. ESXB: 15.23 )
ESXB' s 10-Year Net-margin (%) Range
Min: -49.77   Max: 49.54
Current: 15.23

-49.77
49.54
ROE (%) 6.64
ESXB's ROE (%) is ranked lower than
61% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. ESXB: 6.64 )
ESXB' s 10-Year ROE (%) Range
Min: -19.82   Max: 7.01
Current: 6.64

-19.82
7.01
ROA (%) 0.63
ESXB's ROA (%) is ranked lower than
62% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. ESXB: 0.63 )
ESXB' s 10-Year ROA (%) Range
Min: -2.6   Max: 3.79
Current: 0.63

-2.6
3.79
ROC (Joel Greenblatt) (%) 31.95
ESXB's ROC (Joel Greenblatt) (%) is ranked lower than
73% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. ESXB: 31.95 )
ESXB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -94.52   Max: 35.3
Current: 31.95

-94.52
35.3
Revenue Growth (3Y)(%) 5.90
ESXB's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. ESXB: 5.90 )
ESXB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 107.3
Current: 5.9

0
107.3
EBITDA Growth (3Y)(%) 33.60
ESXB's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ESXB: 33.60 )
ESXB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 33.6
Current: 33.6

0
33.6
EPS Growth (3Y)(%) 154.60
ESXB's EPS Growth (3Y)(%) is ranked higher than
99% of the 1000 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. ESXB: 154.60 )
ESXB' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 154.6
Current: 154.6

0
154.6
» 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) 14.00
ESXB's P/E(ttm) is ranked higher than
68% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. ESXB: 14.00 )
Ranked among companies with meaningful P/E(ttm) only.
ESXB' s 10-Year P/E(ttm) Range
Min: 6.03   Max: 138
Current: 14

6.03
138
Forward P/E 14.29
ESXB's Forward P/E is ranked higher than
54% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ESXB: 14.29 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.30
ESXB's PE(NRI) is ranked higher than
70% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.40 vs. ESXB: 14.30 )
Ranked among companies with meaningful PE(NRI) only.
ESXB' s 10-Year PE(NRI) Range
Min: 6.08   Max: 138
Current: 14.3

6.08
138
P/B 0.90
ESXB's P/B is ranked higher than
68% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ESXB: 0.90 )
Ranked among companies with meaningful P/B only.
ESXB' s 10-Year P/B Range
Min: 0.18   Max: 1.56
Current: 0.9

0.18
1.56
P/S 2.10
ESXB's P/S is ranked higher than
71% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ESXB: 2.10 )
Ranked among companies with meaningful P/S only.
ESXB' s 10-Year P/S Range
Min: 0.37   Max: 41
Current: 2.1

0.37
41
PFCF 8.60
ESXB's PFCF is ranked higher than
78% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.00 vs. ESXB: 8.60 )
Ranked among companies with meaningful PFCF only.
ESXB' s 10-Year PFCF Range
Min: 0.46   Max: 43.75
Current: 8.6

0.46
43.75
POCF 6.80
ESXB's POCF is ranked higher than
83% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ESXB: 6.80 )
Ranked among companies with meaningful POCF only.
ESXB' s 10-Year POCF Range
Min: 0.46   Max: 250.67
Current: 6.8

0.46
250.67
EV-to-EBIT 19.33
ESXB's EV-to-EBIT is ranked higher than
56% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.38 vs. ESXB: 19.33 )
Ranked among companies with meaningful EV-to-EBIT only.
ESXB' s 10-Year EV-to-EBIT Range
Min: -13.8   Max: 878.6
Current: 19.33

-13.8
878.6
Days Sales Outstanding 4.37
ESXB's Days Sales Outstanding is ranked higher than
97% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ESXB: 4.37 )
Ranked among companies with meaningful Days Sales Outstanding only.
ESXB' s 10-Year Days Sales Outstanding Range
Min: 2.82   Max: 62.74
Current: 4.37

2.82
62.74

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
ESXB's Price/Tangible Book is ranked higher than
80% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ESXB: 0.90 )
Ranked among companies with meaningful Price/Tangible Book only.
ESXB' s 10-Year Price/Tangible Book Range
Min: 0.27   Max: 1.69
Current: 0.9

0.27
1.69
Price/DCF (Projected) 0.60
ESXB's Price/DCF (Projected) is ranked higher than
82% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ESXB: 0.60 )
Ranked among companies with meaningful Price/DCF (Projected) only.
ESXB' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 0.58
Current: 0.6

0.16
0.58
Price/Median PS Value 1.40
ESXB's Price/Median PS Value is ranked lower than
59% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ESXB: 1.40 )
Ranked among companies with meaningful Price/Median PS Value only.
ESXB' s 10-Year Price/Median PS Value Range
Min: 0.33   Max: 63.91
Current: 1.4

0.33
63.91
Price/Graham Number 0.70
ESXB's Price/Graham Number is ranked higher than
81% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ESXB: 0.70 )
Ranked among companies with meaningful Price/Graham Number only.
ESXB' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 1.88
Current: 0.7

0.3
1.88
Earnings Yield (Greenblatt) 5.20
ESXB's Earnings Yield (Greenblatt) is ranked higher than
56% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.00 vs. ESXB: 5.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
ESXB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 82.2
Current: 5.2

0.1
82.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Community Bankers Trust Corp was established under Delaware law on April 6, 2005. It is the holding company for Bank of Essex, a Virginia state bank with 19 full-service offices in Virginia, and Maryland. 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 13 offices are located in Virginia, from the Chesapeake Bay to just west of Richmond, six are located in Maryland along the Baltimore-Washington corridor and four are located in Georgia. Essex Services, Inc. a wholly-owned subsidiary of Bank of Essex 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.
» More Articles for ESXB

Headlines

Articles On GuruFocus.com

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