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Community BankersCTYP 47 EV-to-OCF is 4.28 as of Jul. 29, 2026, which is 31% below its 10-year median of 6.22. GuruFocus rates CTYP with a GF Score™ of 47/100 and a GF Value™ of $6.84 (Significantly Overvalued). Among 1,500 Banks companies, Community Bankers ranks worse than 52.07% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Community Bankers's Enterprise Value is $13.16 Mil.
Community Bankers's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $3.08 Mil. Therefore, Community Bankers's EV-to-OCF for today is 4.28.
The historical rank and industry rank for Community Bankers's EV-to-OCF or its related term are showing as below:
CTYP'
s EV-to-OCF Range Over the Past 10 Years
Min: 1.8 Med: 6.22 Max: 31.19
Current: 4.28
During the past 11 years, the highest EV-to-OCF of Community Bankers was 31.19. The lowest was 1.80. And the median was 6.22.
CTYP's EV-to-OCF is ranked worse than 52.07% of 1500
companies
in the Banks industry
Industry Median: 3.785
vs CTYP: 4.28
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Community Bankers (OTCPK:CTYP) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Community Bankers's PE Ratio (TTM) for today is calculated as:
Community Bankers's share price for today is $10.52.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Community Bankers's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.110.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Community Bankers EV-to-OCF Related Terms
Community Bankers EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Community Bankers's EV-to-OCF 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.
For the Banks - Regional subindustry, Community Bankers's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Community Bankers's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Community Bankers's EV-to-OCF falls into.
Community Bankers's current Enterprise Value is $13.16 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Community Bankers's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $3.08 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.
Community Bankers (CTYP) has a EV-to-OCF of 4.28 as of Jul. 29, 2026. This is 31% below median its historical median of 6.22. Over the past decade, Community Bankers' EV-to-OCF has ranged from 1.80 to 31.19. According to the industry distribution chart, Community Bankers ranks #781 out of 1500 companies in the Banks industry, placing it in the top 52.1%.
Is Community Bankers' EV-to-OCF too high?
Community Bankers' current EV-to-OCF of 4.28 is 31% below median its 10-year median of 6.22. Over the past 10 years, this metric has ranged from a low of 1.80 to a high of 31.19. The Banks industry median EV-to-OCF is 3.79. Community Bankers' value of 4.28 is 13.1% above this industry median. Based on the distribution chart, Community Bankers ranks #781 out of 1500 companies in the Banks industry, which is below the industry midpoint. 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' EV-to-OCF compare to UNIF and SNNF?
According to the Banks industry distribution chart, Community Bankers ranks #781 out of 1500 companies for EV-to-OCF. This places Community Bankers in the lower half of its industry. The industry median EV-to-OCF is 3.79. Community Bankers' value of 4.28 is 13.1% above this benchmark. Historically, Community Bankers' own EV-to-OCF has ranged from 1.80 to 31.19 over the past decade. While the company's 10-year median is 6.22 vs. the industry median of 3.79, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.79, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Bankers's current EV-to-OCF of 4.28 is 13.1% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Bankers's current EV-to-OCF is 4.28, which is 31% below median its own 10-year median of 6.22. 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 $10.52 — trading 53.8% above its estimated fair value. The current EV-to-OCF is 4.28, which is 31% below median its 10-year median of 6.22 and 13.1% above the Banks industry median of 3.79. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Community Bankers (CTYP), the current EV-to-OCF is 4.28 as of Jul. 29, 2026. 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 $10.52 is trading 53.8% above its estimated GF Value™ of $6.84.
GuruFocus considers Community Bankers to be Significantly Overvalued.
Key valuation signals for CTYP:
EV-to-OCF: 4.28 (31% below median its 10-year median of 6.22)
GF Value™: $6.84 vs. price of $10.52 (53.8% above fair value)
Industry Position: 13.1% above the Banks median (#781 of 1500)
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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