CTYP (Community Bankers) Cash-to-Debt: (As of Dec. 2025)

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CTYP Community Bankers Corp CTYP
45 GF Score
Price $10.60
GF Value $6.85
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Community Bankers Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Community Bankers's cash to debt ratio for the quarter that ended in Dec. 2025 was .

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Community Bankers couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.

The historical rank and industry rank for Community Bankers's Cash-to-Debt or its related term are showing as below:

CTYP' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.26   Med: 0.71   Max: 6.41
Current: 6.41

During the past 7 years, Community Bankers's highest Cash to Debt Ratio was 6.41. The lowest was 0.26. And the median was 0.71.

CTYP's Cash-to-Debt is ranked better than
79.75% of 1491 companies
in the Banks industry
Industry Median: 1.37 vs CTYP: 6.41

Community Bankers  (OTCPK:CTYP) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Community Bankers Cash-to-Debt Related Terms

Community Bankers Cash-to-Debt Historical Data

* Premium members only.

The historical data trend for Community Bankers's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

Community Bankers Cash-to-Debt Chart

Community Bankers Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
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Community Bankers Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
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CTYP vs BCCB, FLEW, FBPI: Cash-to-Debt Comparison

For the Banks - Regional subindustry, Community Bankers's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry

For the Banks industry and Financial Services sector, Community Bankers's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Community Bankers's Cash-to-Debt falls into.


CTYP
45GF Score
Community Bankers Corp CTYP
Cash-to-Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Community Bankers Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Community Bankers's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 is calculated as:

Cash to Debt Ratio= Balance Sheet Cash And Cash Equivalents / Total Debt
= Balance Sheet Cash And Cash Equivalents / (Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation)
=12.570846 / (10.226692 + 1.962)
=1.03

Community Bankers's Cash to Debt Ratio for the quarter that ended in Dec. 2025 is calculated as:

Cash to Debt Ratio= Balance Sheet Cash And Cash Equivalents / Total Debt
= Balance Sheet Cash And Cash Equivalents / (Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation)
=12.570846 / (10.226692 + 1.962)
=1.03

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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:

  • Cash-to-Debt:
  • GF Value™: $6.85 vs. price of $10.60 (54.7% above fair value)
  • GF Score™: 45/100 with 3 warning signs

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 Business Description

Address 1271 Indian Springs Road, P.O. Box 130, Indiana, PA, USA, 15701
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

Get the complete analysis for CTYP

Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.60
Price
$6.85
GF Value