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Community BankersCTYP -0.60%47 Debt-to-Equity is 0.08 as of Dec. 2025, which is 81% below its 10-year median of 0.42. GuruFocus rates CTYP with a GF Score™ of 47/100 and a GF Value™ of $6.84 (Significantly Overvalued). Among 1,421 Banks companies, Community Bankers ranks better than 90.92% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Community Bankers's Debt-to-Equity or its related term are showing as below:
CTYP'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.42 Max: 1.11
Current: 0.08
During the past 11 years, the highest Debt-to-Equity Ratio of Community Bankers was 1.11. The lowest was 0.08. And the median was 0.42.
CTYP's Debt-to-Equity is ranked better than 90.92% of 1421
companies
in the Banks industry
Industry Median: 0.56
vs CTYP: 0.08
Community Bankers (OTCPK:CTYP) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Community Bankers Debt-to-Equity Related Terms
Community Bankers Debt-to-Equity Historical Data
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The historical data trend for Community Bankers's Debt-to-Equity 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.
CTYP vs FBPI, ECLP, WVFC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Community Bankers's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Community Bankers's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Community Bankers's Debt-to-Equity falls into.
* 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 (CTYP) has a Debt-to-Equity of 0.08 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Community Bankers and its competitors. This is 81% below median its historical median of 0.42. Over the past decade, Community Bankers' Debt-to-Equity has ranged from 0.08 to 1.11. According to the industry distribution chart, Community Bankers ranks #129 out of 1421 companies in the Banks industry, placing it in the top 9.1%.
Is Community Bankers' Debt-to-Equity too high?
Community Bankers' current Debt-to-Equity of 0.08 is 81% below median its 10-year median of 0.42. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 1.11. The Banks industry median Debt-to-Equity is 0.56. Community Bankers' value of 0.08 is 85.7% below this industry median. Based on the distribution chart, Community Bankers ranks #129 out of 1421 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 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Bankers' Debt-to-Equity compare to FBPI and ECLP?
According to the Banks industry distribution chart, Community Bankers ranks #129 out of 1421 companies for Debt-to-Equity. This places Community Bankers in the top 9% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Community Bankers' value of 0.08 is 85.7% below this benchmark. Historically, Community Bankers' own Debt-to-Equity has ranged from 0.08 to 1.11 over the past decade. While the company's 10-year median is 0.42 vs. the industry median of 0.56, Community Bankers has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Bankers's current Debt-to-Equity of 0.08 is 85.7% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Community Bankers and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Bankers's current Debt-to-Equity is 0.08, which is 81% below median its own 10-year median of 0.42. 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 Debt-to-Equity is 0.08, which is 81% below median its 10-year median of 0.42 and 85.7% below the Banks industry median of 0.56. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Community Bankers (CTYP), the current Debt-to-Equity is 0.08 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:
Debt-to-Equity: 0.08 (81% below median its 10-year median of 0.42)
GF Value™: $6.84 vs. price of $10.00 (46.2% above fair value)
Industry Position: 85.7% below the Banks median (#129 of 1421)
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.
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