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Community BankersCTYP 47 Equity-to-Asset is 0.06 as of Dec. 2025, which is at its 10-year median of 0.06. GuruFocus rates CTYP with a GF Score™ of 47/100 and a GF Value™ of $6.84 (Significantly Overvalued). Among 1,524 Banks companies, Community Bankers ranks worse than 84.78% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Community Bankers's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $23.73 Mil. Community Bankers's Total Assets for the quarter that ended in Dec. 2025 was $417.48 Mil.
Therefore, Community Bankers's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.06.
The historical rank and industry rank for Community Bankers's Equity-to-Asset or its related term are showing as below:
CTYP'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04 Med: 0.06 Max: 0.07
Current: 0.06
During the past 11 years, the highest Equity to Asset Ratio of Community Bankers was 0.07. The lowest was 0.04. And the median was 0.06.
CTYP's Equity-to-Asset is ranked worse than 84.78% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs CTYP: 0.06
Community Bankers (OTCPK:CTYP) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Community Bankers Equity-to-Asset Related Terms
Community Bankers Equity-to-Asset Historical Data
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The historical data trend for Community Bankers's Equity-to-Asset 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 UNIF, SNNF, MCHT: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Community Bankers's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Community Bankers's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Community Bankers's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Community Bankers's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.06 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Community Bankers and its competitors. This is near median its historical median of 0.06. Over the past decade, Community Bankers' Equity-to-Asset has ranged from 0.04 to 0.07. According to the industry distribution chart, Community Bankers ranks #1292 out of 1524 companies in the Banks industry, placing it in the top 84.8%.
Is Community Bankers' Equity-to-Asset too high?
Community Bankers' current Equity-to-Asset of 0.06 is near median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.07. The Banks industry median Equity-to-Asset is 0.10. Community Bankers' value of 0.06 is 40% below this industry median. Based on the distribution chart, Community Bankers ranks #1292 out of 1524 companies in the Banks industry, which is in the bottom quartile 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' Equity-to-Asset compare to UNIF and SNNF?
According to the Banks industry distribution chart, Community Bankers ranks #1292 out of 1524 companies for Equity-to-Asset. This places Community Bankers in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Community Bankers' value of 0.06 is 40% below this benchmark. Historically, Community Bankers' own Equity-to-Asset has ranged from 0.04 to 0.07 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Bankers's current Equity-to-Asset of 0.06 is 40% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Community Bankers and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Bankers's current Equity-to-Asset is 0.06, which is near median its own 10-year median of 0.06. 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 $10.51 — trading 53.7% above its estimated fair value. The current Equity-to-Asset is 0.06, which is near median its 10-year median of 0.06 and 40% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Community Bankers (CTYP), the current Equity-to-Asset is 0.06 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 $10.51 is trading 53.7% above its estimated GF Value™ of $6.84.
GuruFocus considers Community Bankers to be Significantly Overvalued.
Key valuation signals for CTYP:
Equity-to-Asset: 0.06 (near median its 10-year median of 0.06)
GF Value™: $6.84 vs. price of $10.51 (53.7% above fair value)
Industry Position: 40% below the Banks median (#1292 of 1524)
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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