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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.24
ESXB's Cash-to-Debt is ranked lower than
85% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. ESXB: 0.24 )
Ranked among companies with meaningful Cash-to-Debt only.
ESXB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.45 Max: No Debt
Current: 0.24
Equity-to-Asset 0.09
ESXB's Equity-to-Asset is ranked lower than
62% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ESXB: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
ESXB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.1 Max: 0.75
Current: 0.09
0.09
0.75
Interest Coverage 1.76
ESXB's Interest Coverage is ranked higher than
53% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. ESXB: 1.76 )
Ranked among companies with meaningful Interest Coverage only.
ESXB' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 1.19 Max: No Debt
Current: 1.76
Beneish M-Score: -2.33
WACC vs ROIC
4.94%
5.09%
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 : 3/10

vs
industry
vs
history
Operating Margin % 29.45
ESXB's Operating Margin % is ranked lower than
54% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. ESXB: 29.45 )
Ranked among companies with meaningful Operating Margin % only.
ESXB' s Operating Margin % Range Over the Past 10 Years
Min: -67.12  Med: 11.79 Max: 85.06
Current: 29.45
-67.12
85.06
Net Margin % 21.27
ESXB's Net Margin % is ranked lower than
53% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. ESXB: 21.27 )
Ranked among companies with meaningful Net Margin % only.
ESXB' s Net Margin % Range Over the Past 10 Years
Min: -46.3  Med: 9.25 Max: 49.54
Current: 21.27
-46.3
49.54
ROE % 8.94
ESXB's ROE % is ranked higher than
56% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. ESXB: 8.94 )
Ranked among companies with meaningful ROE % only.
ESXB' s ROE % Range Over the Past 10 Years
Min: -20.81  Med: 2.56 Max: 9.06
Current: 8.94
-20.81
9.06
ROA % 0.83
ESXB's ROA % is ranked lower than
53% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. ESXB: 0.83 )
Ranked among companies with meaningful ROA % only.
ESXB' s ROA % Range Over the Past 10 Years
Min: -2.64  Med: 0.36 Max: 3.79
Current: 0.83
-2.64
3.79
3-Year Revenue Growth Rate -1.10
ESXB's 3-Year Revenue Growth Rate is ranked lower than
73% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. ESXB: -1.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ESXB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -2.4 Max: 112.2
Current: -1.1
0
112.2
3-Year EBITDA Growth Rate 11.50
ESXB's 3-Year EBITDA Growth Rate is ranked higher than
66% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. ESXB: 11.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ESXB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 13 Max: 34.3
Current: 11.5
0
34.3
3-Year EPS without NRI Growth Rate 26.90
ESXB's 3-Year EPS without NRI Growth Rate is ranked higher than
85% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. ESXB: 26.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ESXB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -3.6 Max: 154.6
Current: 26.9
0
154.6
GuruFocus has detected 6 Warning Signs with Community Bankers Trust Corp $ESXB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ESXB's 10-Y Financials

Financials (Next Earnings Date: 2017-07-29 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

ESXB Guru Trades in

ESXB Guru Trades in

Q3 2016

ESXB Guru Trades in Q3 2016

Jim Simons 15,300 sh (New)
» More
Q4 2016

ESXB Guru Trades in Q4 2016

Jim Simons 37,200 sh (+143.14%)
» More
» Details

Insider Trades

Latest Guru Trades with ESXB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 523910    SIC: 6022
Compare:NAS:OSHC, OTCPK:FNBG, NAS:CHMG, NAS:ACNB, OTCBB:CZFS, NAS:HBMD, AMEX:EVBN, NAS:PMBC, OTCPK:CARE, NAS:ORRF, NAS:FGBI, NAS:UNTY, NAS:BCBP, OTCPK:HCFB, NYSE:MSL, NAS:UNB, NAS:CUBN, NAS:INBK, NAS:CFCB, NAS:SMBK » details
Community Bankers Trust Corp is a holding company for Bank of Essex, which provides financial services mainly to individuals and small businesses in Virginia and Maryland.

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 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.

Ratios

vs
industry
vs
history
PE Ratio 18.01
ESXB's PE Ratio is ranked lower than
70% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. ESXB: 18.01 )
Ranked among companies with meaningful PE Ratio only.
ESXB' s PE Ratio Range Over the Past 10 Years
Min: 6.2  Med: 16.59 Max: 138
Current: 18.01
6.2
138
PE Ratio without NRI 18.01
ESXB's PE Ratio without NRI is ranked lower than
67% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. ESXB: 18.01 )
Ranked among companies with meaningful PE Ratio without NRI only.
ESXB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.2  Med: 16.59 Max: 138
Current: 18.01
6.2
138
Price-to-Owner-Earnings 15.38
ESXB's Price-to-Owner-Earnings is ranked lower than
55% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. ESXB: 15.38 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ESXB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.44  Med: 5.4 Max: 101.32
Current: 15.38
0.44
101.32
PB Ratio 1.54
ESXB's PB Ratio is ranked lower than
71% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. ESXB: 1.54 )
Ranked among companies with meaningful PB Ratio only.
ESXB' s PB Ratio Range Over the Past 10 Years
Min: 0.18  Med: 0.84 Max: 1.71
Current: 1.54
0.18
1.71
PS Ratio 3.84
ESXB's PS Ratio is ranked lower than
61% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. ESXB: 3.84 )
Ranked among companies with meaningful PS Ratio only.
ESXB' s PS Ratio Range Over the Past 10 Years
Min: 0.35  Med: 1.92 Max: 96.22
Current: 3.84
0.35
96.22
Price-to-Free-Cash-Flow 12.31
ESXB's Price-to-Free-Cash-Flow is ranked lower than
52% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. ESXB: 12.31 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ESXB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.46  Med: 6.13 Max: 323.64
Current: 12.31
0.46
323.64
Price-to-Operating-Cash-Flow 10.57
ESXB's Price-to-Operating-Cash-Flow is ranked higher than
51% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. ESXB: 10.57 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ESXB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.45  Med: 6.18 Max: 323.64
Current: 10.57
0.45
323.64
EV-to-EBIT 17.80
ESXB's EV-to-EBIT is ranked lower than
72% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. ESXB: 17.80 )
Ranked among companies with meaningful EV-to-EBIT only.
ESXB' s EV-to-EBIT Range Over the Past 10 Years
Min: -83.7  Med: 13.9 Max: 880.2
Current: 17.8
-83.7
880.2
EV-to-EBITDA 14.23
ESXB's EV-to-EBITDA is ranked lower than
66% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. ESXB: 14.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
ESXB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -137.8  Med: 9.9 Max: 2410.6
Current: 14.23
-137.8
2410.6

Buy Back

vs
industry
vs
history
5-Year Yield-on-Cost % 36.60
ESXB's 5-Year Yield-on-Cost % is ranked higher than
99% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. ESXB: 36.60 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ESXB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.93  Med: 4.81 Max: 10.91
Current: 36.6
0.93
10.91
3-Year Average Share Buyback Ratio -0.40
ESXB's 3-Year Average Share Buyback Ratio is ranked higher than
63% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. ESXB: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ESXB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -31.8  Med: -0.35 Max: -0.2
Current: -0.4
-31.8
-0.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.56
ESXB's Price-to-Tangible-Book is ranked lower than
65% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. ESXB: 1.56 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ESXB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.3  Med: 0.85 Max: 1.59
Current: 1.56
0.3
1.59
Price-to-Intrinsic-Value-Projected-FCF 0.61
ESXB's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
70% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. ESXB: 0.61 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ESXB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.32 Max: 0.62
Current: 0.61
0.16
0.62
Price-to-Median-PS-Value 2.00
ESXB's Price-to-Median-PS-Value is ranked lower than
92% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. ESXB: 2.00 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ESXB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.25  Med: 0.99 Max: 17.29
Current: 2
0.25
17.29
Price-to-Graham-Number 1.12
ESXB's Price-to-Graham-Number is ranked lower than
65% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. ESXB: 1.12 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ESXB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.61  Med: 0.89 Max: 2.12
Current: 1.12
0.61
2.12
Earnings Yield (Greenblatt) % 5.63
ESXB's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. ESXB: 5.63 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ESXB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.1  Med: 5.8 Max: 24.9
Current: 5.63
0.1
24.9

More Statistics

Revenue (TTM) (Mil) $46.65
EPS (TTM) $ 0.45
Beta0.34
Short Percentage of Float0.06%
52-Week Range $4.72 - 8.50
Shares Outstanding (Mil)21.96
» More Articles for ESXB

Headlines

Articles On GuruFocus.com
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Community Bankers Trust Corporation Announces Appointment of New Board Member Mar 23 2017
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