CTYP (Community Bankers) Change In Receivables: $-0.21 Mil (TTM As of Dec. 2025)

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CTYP Community Bankers Corp CTYP
47 GF Score
Price $10.00
GF Value $6.84
Valuation Significantly Overvalued
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What is Community Bankers Change In Receivables?

Community Bankers CTYP -0.60% 47 Change In Receivables is $-0.21 Mil as of Dec. 2025. GuruFocus rates CTYP with a GF Score™ of 47/100 and a GF Value™ of $6.84 (Significantly Overvalued).

Community Bankers's change in receivables for the quarter that ended in Dec. 2025 was $-0.21 Mil. It means Community Bankers's Accounts Receivable increased by $0.21 Mil from Dec. 2024 to Dec. 2025 .

Community Bankers's change in receivables for the fiscal year that ended in Dec. 2025 was $-0.21 Mil. It means Community Bankers's Accounts Receivable increased by $0.21 Mil from Dec. 2024 to Dec. 2025 .

Community Bankers's Accounts Receivable for the quarter that ended in Dec. 2025 was $0.00 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Community Bankers's Days Sales Outstanding for the six months ended in Dec. 2025 was 0.00.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Community Bankers's liquidation value for the six months ended in Dec. 2025 was $-381.18 Mil.


Community Bankers  (OTCPK:CTYP) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Community Bankers's Days Sales Outstanding for the quarter that ended in Dec. 2025 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/13.904*91
=0.00

2. In Ben Graham's calculation of liquidation value, Community Bankers's accounts receivable are only considered to be worth 75% of book value:

Community Bankers's liquidation value for the quarter that ended in Dec. 2025 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=12.58-393.755+0.75 * 0+0.5 * 0
=-381.18

* 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.


Community Bankers Change In Receivables Related Terms


Community Bankers Change In Receivables Historical Data

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The historical data trend for Community Bankers's Change In Receivables 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.

Community Bankers Change In Receivables Chart

Community Bankers Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.24 -0.04 -0.19 0.07 -0.21

Community Bankers Semi-Annual Data
Dec04 Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 0.24 -0.04 -0.19 0.07 -0.21
CTYP
47GF Score
Community Bankers Corp CTYP
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Bankers Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Change In Receivables for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.21 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $-0.21 Mil mean?
Community Bankers (CTYP) has a Change In Receivables of $-0.21 Mil as of Dec. 2025. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Community Bankers and its competitors.
Is Community Bankers' Change In Receivables too high?
Community Bankers' current Change In Receivables is $-0.21 Mil. Overall, Community Bankers has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Bankers' Change In Receivables compare to FBPI and ECLP?
Community Bankers' Change In Receivables of $-0.21 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Community Bankers and its competitors. Community Bankers's current Change In Receivables is $-0.21 Mil. 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 $6.84, compared to a current price of $10.00 — trading 46.2% above its estimated fair value. The current Change In Receivables is $-0.21 Mil. Community Bankers' overall GF Score™ is 47/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Community Bankers (CTYP), the current Change In Receivables is $-0.21 Mil 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 $10.00 is trading 46.2% above its estimated GF Value™ of $6.84. GuruFocus considers Community Bankers to be Significantly Overvalued.

Key valuation signals for CTYP:

  • Change In Receivables: $-0.21 Mil
  • GF Value™: $6.84 vs. price of $10.00 (46.2% above fair value)
  • GF Score™: 47/100

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.
47GF Score

Get the complete analysis for CTYP

Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.00
Price
$6.84
GF Value