CTYP (Community Bankers) Effective Interest Rate on Debt %: 72.04% (As of Dec. 2025)


CTYP Community Bankers Corp CTYP
47 GF Score
Price $10.50
GF Value $6.84
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Community Bankers Effective Interest Rate on Debt %?

Community Bankers CTYP 47 Effective Interest Rate on Debt % is 72.04% as of Dec. 2025. GuruFocus rates CTYP with a GF Score™ of 47/100 and a GF Value™ of $6.84 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Community Bankers's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $7.73 Mil. Community Bankers's average total debt for the quarter that ended in Dec. 2025 was $10.74 Mil. Therefore, Community Bankers's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 72.04%.

Community Bankers  (OTCPK:CTYP) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Community Bankers Effective Interest Rate on Debt % Related Terms

Community Bankers Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Community Bankers's Effective Interest Rate on 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.

Community Bankers Effective Interest Rate on Debt % Chart

Community Bankers Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 38.36 31.87 40.83 46.44 72.04

Community Bankers Semi-Annual Data
Dec04 Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 38.36 31.87 40.83 46.44 72.04

CTYP vs FBPI, ECLP, WVFC: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Community Bankers's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on 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 Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Community Bankers's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Community Bankers's Effective Interest Rate on Debt % falls into.


CTYP
47GF Score
Community Bankers Corp CTYP
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Bankers Effective Interest Rate on Debt % Calculation

Community Bankers's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -7.734/( (19.509+1.962)/ 2 )
=-1  *  -7.734/10.7355
=72.04 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=19.509 + 0
=19.509

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.962 + 0
=1.962

Community Bankers's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -7.734/( (19.509+1.962)/ 2 )
=-1  *  -7.734/10.7355
=72.04 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=19.509 + 0
=19.509

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.962 + 0
=1.962

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is one times the annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 72.04% mean?
Community Bankers (CTYP) has a Effective Interest Rate on Debt % of 72.04% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Community Bankers and its competitors.
Is Community Bankers' Effective Interest Rate on Debt % too high?
Community Bankers' current Effective Interest Rate on Debt % is 72.04%. 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' Effective Interest Rate on Debt % compare to FBPI and ECLP?
Community Bankers' Effective Interest Rate on Debt % of 72.04% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Community Bankers and its competitors. Community Bankers's current Effective Interest Rate on Debt % is 72.04%. 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 $10.50 — trading 53.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 72.04%. Community Bankers' overall GF Score™ is 47/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Community Bankers (CTYP), the current Effective Interest Rate on Debt % is 72.04% 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 $10.50 is trading 53.5% above its estimated GF Value™ of $6.84. GuruFocus considers Community Bankers to be Significantly Overvalued.

Key valuation signals for CTYP:

  • Effective Interest Rate on Debt %: 72.04%
  • GF Value™: $6.84 vs. price of $10.50 (53.5% above fair value)
  • GF Score™: 47/100 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.
47GF Score

Get the complete analysis for CTYP

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.50
Price
$6.84
GF Value