Community BankersCTYP 53 3-Year RORE % is 28.86 as of Dec. 2025. 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 1,470 Banks companies, Community Bankers ranks better than 81.22% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Community Bankers's 3-Year RORE % for the quarter that ended in Dec. 2025 was 28.86%.
The industry rank for Community Bankers's 3-Year RORE % or its related term are showing as below:
CTYP's 3-Year RORE % is ranked better than 81.22% of 1470
companies
in the Banks industry
Industry Median: 9.875
vs CTYP: 28.86
Community Bankers (OTCPK:CTYP) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Community Bankers 3-Year RORE % Related Terms
Community Bankers 3-Year RORE % Historical Data
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The historical data trend for Community Bankers's 3-Year RORE % 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 FBPI, ECLP, WVFC: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Community Bankers's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Community Bankers's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Community Bankers's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Community Bankers (CTYP) has a 3-Year RORE % of 28.86 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Community Bankers and its competitors. According to the industry distribution chart, Community Bankers ranks #276 out of 1470 companies in the Banks industry, placing it in the top 18.8%.
Is Community Bankers' 3-Year RORE % too high?
Community Bankers' current 3-Year RORE % is 28.86. The Banks industry median 3-Year RORE % is 9.88. Community Bankers' value of 28.86 is 192.3% above this industry median. Based on the distribution chart, Community Bankers ranks #276 out of 1470 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' 3-Year RORE % compare to FBPI and ECLP?
According to the Banks industry distribution chart, Community Bankers ranks #276 out of 1470 companies for 3-Year RORE %. This places Community Bankers in the top 19% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.88. Community Bankers' value of 28.86 is 192.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.88, based on 1,470 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Bankers's current 3-Year RORE % of 28.86 is 192.3% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Community Bankers and its competitors. For the Banks industry, the median 3-Year RORE % is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Bankers's current 3-Year RORE % is 28.86. 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 3-Year RORE % is 28.86 and 192.3% above the Banks industry median of 9.88. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Community Bankers (CTYP), the current 3-Year RORE % is 28.86 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:
3-Year RORE %: 28.86
GF Value™: $6.84 vs. price of $10.90 (59.4% above fair value)
Industry Position: 192.3% above the Banks median (#276 of 1470)
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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