Community BankersCTYP 53 FCF Margin % is 21.09% as of Dec. 2025, which is 4% below its 10-year median of 21.88. GuruFocus rates CTYP with a GF Score™ of 53/100 and a GF Value™ of $6.84 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, Community Bankers ranks worse than 57.21% on this metric.
The historical rank and industry rank for Community Bankers's FCF Margin % or its related term are showing as below:
CTYP'
s FCF Margin % Range Over the Past 10 Years
Min: 6.07 Med: 21.88 Max: 25.36
Current: 21.09
During the past 11 years, the highest FCF Margin % of Community Bankers was 25.36%. The lowest was 6.07%. And the median was 21.88%.
CTYP's FCF Margin % is ranked worse than 57.21% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs CTYP: 21.09
Community Bankers FCF Margin % Related Terms
Community Bankers FCF Margin % Historical Data
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The historical data trend for Community Bankers's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Community Bankers's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Community Bankers's FCF Margin % 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 FCF Margin % of 21.09% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Community Bankers and its competitors. This is near median its historical median of 21.88. Over the past decade, Community Bankers' FCF Margin % has ranged from 6.07 to 25.36. According to the industry distribution chart, Community Bankers ranks #861 out of 1505 companies in the Banks industry, placing it in the top 57.2%.
Is Community Bankers' FCF Margin % too high?
Community Bankers' current FCF Margin % of 21.09% is near median its 10-year median of 21.88. Over the past 10 years, this metric has ranged from a low of 6.07 to a high of 25.36. The Banks industry median FCF Margin % is 26.55. Community Bankers' value of 21.09% is 20.6% below this industry median. Based on the distribution chart, Community Bankers ranks #861 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Community Bankers has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Bankers' FCF Margin % compare to MFDB and LOGN?
According to the Banks industry distribution chart, Community Bankers ranks #861 out of 1505 companies for FCF Margin %. This places Community Bankers in the lower half of its industry. The industry median FCF Margin % is 26.55. Community Bankers' value of 21.09% is 20.6% below this benchmark. Historically, Community Bankers' own FCF Margin % has ranged from 6.07 to 25.36 over the past decade. While the company's 10-year median is 21.88 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Bankers's current FCF Margin % of 21.09% is 20.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Community Bankers and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Bankers's current FCF Margin % is 21.09%, which is near median its own 10-year median of 21.88. 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 $10.90 — trading 59.4% above its estimated fair value. The current FCF Margin % is 21.09%, which is near median its 10-year median of 21.88 and 20.6% below the Banks industry median of 26.55. Community Bankers' overall GF Score™ is 53/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Community Bankers (CTYP), the current FCF Margin % is 21.09% 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 $10.90 is trading 59.4% above its estimated GF Value™ of $6.84.
GuruFocus considers Community Bankers to be Significantly Overvalued.
Key valuation signals for CTYP:
FCF Margin %: 21.09% (near median its 10-year median of 21.88)
GF Value™: $6.84 vs. price of $10.90 (59.4% above fair value)
Industry Position: 20.6% below the Banks median (#861 of 1505)
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.
53GF Score
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