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Community BankersCTYP +0.57%45 3-Year Book Growth Rate is 19.40% as of Dec. 2025, which is 146% above its 10-year median of 7.90. GuruFocus rates CTYP with a GF Score™ of 45/100 and a GF Value™ of $6.85 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,487 Banks companies, Community Bankers ranks better than 88.43% on this metric.
During the past 12 months, Community Bankers's average Book Value per Share Growth Rate was 30.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 19.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -2.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 2.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 11 years, the highest 3-Year average Book Value per Share Growth Rate of Community Bankers was 19.40% per year. The lowest was -14.80% per year. And the median was 7.90% per year.
Community Bankers (OTCPK:CTYP) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Community Bankers 3-Year Book Growth Rate Related Terms
CTYP vs BCCB, FLEW, FBPI: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Community Bankers's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Community Bankers 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Community Bankers's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Community Bankers's 3-Year Book Growth Rate falls into.
Community Bankers 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 19.40% mean?
Community Bankers (CTYP) has a 3-Year Book Growth Rate of 19.40% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Community Bankers and its competitors. This is 146% above median its historical median of 7.90. According to the industry distribution chart, Community Bankers ranks #172 out of 1487 companies in the Banks industry, placing it in the top 11.6%.
Is Community Bankers' 3-Year Book Growth Rate too high?
Community Bankers' current 3-Year Book Growth Rate of 19.40% is 146% above median its 10-year median of 7.90. The Banks industry median 3-Year Book Growth Rate is 8.80. Community Bankers' value of 19.40% is 120.5% above this industry median. Based on the distribution chart, Community Bankers ranks #172 out of 1487 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Community Bankers has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Bankers' 3-Year Book Growth Rate compare to BCCB and FLEW?
According to the Banks industry distribution chart, Community Bankers ranks #172 out of 1487 companies for 3-Year Book Growth Rate. This places Community Bankers in the top 12% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Community Bankers' value of 19.40% is 120.5% above this benchmark. While the company's 10-year median is 7.90 vs. the industry median of 8.80, Community Bankers has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Bankers's current 3-Year Book Growth Rate of 19.40% is 120.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Community Bankers and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Bankers's current 3-Year Book Growth Rate is 19.40%, which is 146% above median its own 10-year median of 7.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Bankers stock overvalued right now?
Based on GuruFocus' analysis, Community Bankers (CTYP) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.85, compared to a current price of $10.60 — trading 54.7% above its estimated fair value. The current 3-Year Book Growth Rate is 19.40%, which is 146% above median its 10-year median of 7.90 and 120.5% above the Banks industry median of 8.80. Community Bankers' overall GF Score™ is 45/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Community Bankers (CTYP), the current 3-Year Book Growth Rate is 19.40% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Community Bankers (CTYP) Overvalued in 2026?
Based on GuruFocus' analysis, Community Bankers stock appears to be overvalued.
The current stock price of $10.60 is trading 54.7% above its estimated GF Value™ of $6.85.
GuruFocus considers Community Bankers to be Significantly Overvalued.
Key valuation signals for CTYP:
3-Year Book Growth Rate: 19.40% (146% above median its 10-year median of 7.90)
GF Value™: $6.85 vs. price of $10.60 (54.7% above fair value)
Industry Position: 120.5% above the Banks median (#172 of 1487)
No single metric tells the full story. See the CTYP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Community Bankers Corp is a bank holding company that, through its holding, Marion Center Bank, provides personal banking, business banking, lending services, and online services. The company's principal sources of revenue are from residential real estate, commercial real estate, commercial and consumer loan financing, and an investment security portfolio, as well as a variety of deposit accounts and services to its customers.
45GF Score
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