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Community BankersCTYP -0.10%47 EV-to-FCF is 4.48 as of Jul. 30, 2026, which is 31% below its 10-year median of 6.50. GuruFocus rates CTYP with a GF Score™ of 47/100 and a GF Value™ of $6.84 (Significantly Overvalued). Among 1,191 Banks companies, Community Bankers ranks better than 60.54% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Community Bankers's Enterprise Value is $13.14 Mil.
Community Bankers's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.93 Mil. Therefore, Community Bankers's EV-to-FCF for today is 4.48.
The historical rank and industry rank for Community Bankers's EV-to-FCF or its related term are showing as below:
CTYP'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.89 Med: 6.5 Max: 42.41
Current: 4.48
During the past 11 years, the highest EV-to-FCF of Community Bankers was 42.41. The lowest was 1.89. And the median was 6.50.
CTYP's EV-to-FCF is ranked better than 60.54% of 1191
companies
in the Banks industry
Industry Median: 7.24
vs CTYP: 4.48
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $10.51.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Community Bankers EV-to-FCF Related Terms
Community Bankers EV-to-FCF Historical Data
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The historical data trend for Community Bankers's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Community Bankers's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Community Bankers's EV-to-FCF falls into.
Community Bankers's current Enterprise Value is $13.14 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Community Bankers's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.93 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-FCF of 4.48 as of Jul. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Community Bankers and its competitors. This is 31% below median its historical median of 6.50. Over the past decade, Community Bankers' EV-to-FCF has ranged from 1.89 to 42.41. According to the industry distribution chart, Community Bankers ranks #470 out of 1191 companies in the Banks industry, placing it in the top 39.5%.
Is Community Bankers' EV-to-FCF too high?
Community Bankers' current EV-to-FCF of 4.48 is 31% below median its 10-year median of 6.50. Over the past 10 years, this metric has ranged from a low of 1.89 to a high of 42.41. The Banks industry median EV-to-FCF is 7.24. Community Bankers' value of 4.48 is 38.1% below this industry median. Based on the distribution chart, Community Bankers ranks #470 out of 1191 companies in the Banks industry, which is above 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-FCF compare to UNIF and SNNF?
According to the Banks industry distribution chart, Community Bankers ranks #470 out of 1191 companies for EV-to-FCF. This puts Community Bankers in the upper half of its industry. The industry median EV-to-FCF is 7.24. Community Bankers' value of 4.48 is 38.1% below this benchmark. Historically, Community Bankers' own EV-to-FCF has ranged from 1.89 to 42.41 over the past decade. While the company's 10-year median is 6.50 vs. the industry median of 7.24, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.24, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Bankers's current EV-to-FCF of 4.48 is 38.1% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Community Bankers and its competitors. For the Banks industry, the median EV-to-FCF is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Bankers's current EV-to-FCF is 4.48, which is 31% below median its own 10-year median of 6.50. 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 EV-to-FCF is 4.48, which is 31% below median its 10-year median of 6.50 and 38.1% below the Banks industry median of 7.24. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Community Bankers (CTYP), the current EV-to-FCF is 4.48 as of Jul. 30, 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 $10.51 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:
EV-to-FCF: 4.48 (31% below median its 10-year median of 6.50)
GF Value™: $6.84 vs. price of $10.51 (53.7% above fair value)
Industry Position: 38.1% below the Banks median (#470 of 1191)
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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