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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 higher than
53% of the 1731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. ESXB: 0.20 )
ESXB' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 0.2

Equity to Asset 0.09
ESXB's Equity to Asset is ranked higher than
64% of the 2241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. ESXB: 0.09 )
ESXB' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.75
Current: 0.09

0.09
0.75
Interest Coverage 1.48
ESXB's Interest Coverage is ranked higher than
70% of the 2150 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 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
5.99%
4.36%
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 (%) 21.77
ESXB's Operating margin (%) is ranked higher than
62% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. ESXB: 21.77 )
ESXB' s 10-Year Operating margin (%) Range
Min: -72.15   Max: 85.06
Current: 21.77

-72.15
85.06
Net-margin (%) 15.97
ESXB's Net-margin (%) is ranked higher than
62% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.22 vs. ESXB: 15.97 )
ESXB' s 10-Year Net-margin (%) Range
Min: -49.77   Max: 49.54
Current: 15.97

-49.77
49.54
ROE (%) 7.07
ESXB's ROE (%) is ranked higher than
67% of the 2347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.96 vs. ESXB: 7.07 )
ESXB' s 10-Year ROE (%) Range
Min: -19.82   Max: 7.01
Current: 7.07

-19.82
7.01
ROA (%) 0.67
ESXB's ROA (%) is ranked higher than
66% of the 2356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. ESXB: 0.67 )
ESXB' s 10-Year ROA (%) Range
Min: -2.6   Max: 3.79
Current: 0.67

-2.6
3.79
ROC (Joel Greenblatt) (%) 35.16
ESXB's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 2318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 87.86 vs. ESXB: 35.16 )
ESXB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -94.52   Max: 35.3
Current: 35.16

-94.52
35.3
Revenue Growth (3Y)(%) 5.90
ESXB's Revenue Growth (3Y)(%) is ranked higher than
83% of the 2002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 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
95% of the 1812 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 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 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 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) 13.40
ESXB's P/E(ttm) is ranked higher than
80% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. ESXB: 13.40 )
ESXB' s 10-Year P/E(ttm) Range
Min: 6.03   Max: 138
Current: 13.4

6.03
138
Forward P/E 14.29
ESXB's Forward P/E is ranked higher than
70% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ESXB: 14.29 )
N/A
PE(NRI) 13.50
ESXB's PE(NRI) is ranked higher than
83% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.80 vs. ESXB: 13.50 )
ESXB' s 10-Year PE(NRI) Range
Min: 6.08   Max: 138
Current: 13.5

6.08
138
P/B 0.90
ESXB's P/B is ranked higher than
84% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. ESXB: 0.90 )
ESXB' s 10-Year P/B Range
Min: 0.18   Max: 1.71
Current: 0.9

0.18
1.71
P/S 2.08
ESXB's P/S is ranked higher than
83% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.81 vs. ESXB: 2.08 )
ESXB' s 10-Year P/S Range
Min: 0.37   Max: 101.71
Current: 2.08

0.37
101.71
PFCF 6.28
ESXB's PFCF is ranked higher than
89% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ESXB: 6.28 )
ESXB' s 10-Year PFCF Range
Min: 0.46   Max: 43.75
Current: 6.28

0.46
43.75
POCF 5.01
ESXB's POCF is ranked higher than
91% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 191.45 vs. ESXB: 5.01 )
ESXB' s 10-Year POCF Range
Min: 0.46   Max: 250.67
Current: 5.01

0.46
250.67
EV-to-EBIT 18.06
ESXB's EV-to-EBIT is ranked higher than
73% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.44 vs. ESXB: 18.06 )
ESXB' s 10-Year EV-to-EBIT Range
Min: -13.8   Max: 878.6
Current: 18.06

-13.8
878.6
Days Sales Outstanding 5.19
ESXB's Days Sales Outstanding is ranked higher than
98% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ESXB: 5.19 )
ESXB' s 10-Year Days Sales Outstanding Range
Min: 2.82   Max: 62.74
Current: 5.19

2.82
62.74

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.94
ESXB's Price/Tangible Book is ranked higher than
86% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. ESXB: 0.94 )
ESXB' s 10-Year Price/Tangible Book Range
Min: 0.27   Max: 1.69
Current: 0.94

0.27
1.69
Price/DCF (Projected) 0.40
ESXB's Price/DCF (Projected) is ranked higher than
95% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ESXB: 0.40 )
ESXB' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 0.4
Current: 0.4

0.16
0.4
Price/Median PS Value 1.33
ESXB's Price/Median PS Value is ranked higher than
66% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. ESXB: 1.33 )
ESXB' s 10-Year Price/Median PS Value Range
Min: 0.34   Max: 25.93
Current: 1.33

0.34
25.93
Price/Graham Number 0.74
ESXB's Price/Graham Number is ranked higher than
86% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ESXB: 0.74 )
ESXB' s 10-Year Price/Graham Number Range
Min: 0.44   Max: 2.03
Current: 0.74

0.44
2.03
Earnings Yield (Greenblatt) 5.50
ESXB's Earnings Yield (Greenblatt) is ranked higher than
62% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. ESXB: 5.50 )
ESXB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 82.2
Current: 5.5

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.
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