Community Bankers' Corporation Financial Ratios — CTYP Stock

Profitability (USD)

	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	10.22	10.2	10.42	9.39	6.41	7.95	8.15	3.68	4.86	7.02
Return on Assets (%)	- -	0.9	0.81	0.82	0.79	0.54	0.64	0.66	0.31	0.4	0.61
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	7.22	6.12	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	26.26	32.42	29.05	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	25.41	32.42	29.05	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	-348.98	128.46	2,255.91	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	25.41	32.42	29.05	30.64	21.8	18.38	21.7	22.57	11.11	15.33	21.28
Profit Margin (%)	18.73	23.59	22.95	24.61	18.09	15.35	18.21	19.04	10.32	13.47	18.05
Net Income to Common Margin (%)	18.73	23.59	22.95	24.61	18.09	15.35	18.21	19.04	10.32	13.47	18.05
Effective Tax Rate (%)	26.3	27.24	21.02	19.69	17.03	16.48	16.08	15.67	7.18	12.13	15.18
Dvd Payout Ratio (%)	66.34	- -	- -	- -	38.3	44.37	34.13	31.53	46.55	- -	9.97
Sustainable Growth Rate (%)	- -	10.22	10.2	10.42	5.8	3.57	5.24	5.58	1.97	4.86	6.32

Credit (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	4	11	9	21	9	9	2	11	18	20	2
ST Debt	2	11	9	21	- -	- -	- -	- -	- -	- -	- -
LT Debt	2	- -	- -	- -	9	9	2	11	18	20	2
Total Debt/EBITDA	2.23	4.68	4.34	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	0.26	2.66	2.33	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	2.3	4.68	4.34	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	0.27	2.66	2.33	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.56	8	7.98	7.75	8.79	8.19	7.87	8.42	8.21	8.44	8.83
Long-Term Debt/Equity (%)	14.8	- -	- -	- -	41.72	37.92	8.11	79.25	111.32	107.49	8.27
Long-Term Debt/Capital (%)	10.66	- -	- -	- -	25.07	24.01	6.02	25.37	35.04	36.04	5.05
Long-Term Debt/Total Assets (%)	1.26	- -	- -	- -	2.94	2.59	0.5	2.86	4.43	4.76	0.47
Total Debt/Equity (%)	26.86	68.92	52.97	113.37	41.72	37.92	8.11	79.25	111.32	107.49	8.27
Total Debt/Capital (%)	19.35	41.58	35.51	55.22	25.07	24.01	6.02	25.37	35.04	36.04	5.05
Total Debt/Total Assets (%)	2.29	5.7	4.39	9.55	2.94	2.59	0.5	2.86	4.43	4.76	0.47
Net Debt to Equity	3.14	39.2	28.37	90.76	-29.45	-69.76	-23.26	-38.81	-28.94	-61.25	-53.02
Net Debt/Capital (%)	2.73	28.82	22.77	49.68	-21.5	-79.11	-20.85	-14.19	-10.02	-25.85	-47.91
EBITDA	2	2	2	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	2	2	2	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	2	2	2	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.56	8	7.98	7.75	8.79	8.19	7.87	8.42	8.21	8.44	8.83
Long-Term Debt/Equity (%)	14.8	- -	- -	- -	41.72	37.92	8.11	79.25	111.32	107.49	8.27
Long-Term Debt/Capital (%)	10.66	- -	- -	- -	25.07	24.01	6.02	25.37	35.04	36.04	5.05
Long-Term Debt/Total Assets (%)	1.26	- -	- -	- -	2.94	2.59	0.5	2.86	4.43	4.76	0.47
Total Debt/Equity (%)	26.86	68.92	52.97	113.37	41.72	37.92	8.11	79.25	111.32	107.49	8.27
Total Debt/Capital (%)	19.35	41.58	35.51	55.22	25.07	24.01	6.02	25.37	35.04	36.04	5.05
Total Debt/Total Assets (%)	2.29	5.7	4.39	9.55	2.94	2.59	0.5	2.86	4.43	4.76	0.47
CFO/Total Liabilities	1.26	- -	- -	- -	0.92	0.82	0.96	0.93	0.25	0.4	0.78
CFO/CapEx	- -	- -	- -	- -	37.6	29	18.36	23.13	3.79	9.53	21.22
Altman's Z-Score	0.26	0.24	0.29	0.23	0.2	0.18	0.17	0.18	0.16	0.16	0.16

Working Capital (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	3.66	5.18	4.63	14.83	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	99.85	70.46	78.86	24.61	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	16	16	34	30	19	16	20	18	15	12	- -
- Cash & Cash Equivalents	4	5	4	4	7	17	6	5	5	11	13
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	4	11	9	21	9	9	2	11	18	20	2
Enterprise Value	16	23	39	47	21	8	16	24	28	20	-11
Total Capital	23	27	26	38	37	38	33	43	51	54	39
Total Debt/Capital (%)	19.35	41.58	35.51	55.22	25.07	24.01	6.02	25.37	35.04	36.04	5.05
Total Debt / EV	0.27	0.5	0.24	0.45	0.44	1.11	0.12	0.47	0.64	0.95	-0.18
EV/Sales	2.15	3.06	5.37	6.61	1.83	0.69	1.23	1.75	2.37	1.68	- -
EV/EBITDA	8.19	9.44	18.48	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	8.47	9.44	18.48	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	7.3	- -	- -	- -	7.9	3.06	4.58	6.87	28.72	12.9	- -
EV/Free Cash Flow to Firm	7.3	- -	- -	- -	7.69	2.95	4.34	6.58	22.72	11.68	- -
Diluted Market Cap	16	16	34	30	19	16	20	18	15	12	18
Diluted Enterprise Value	16	23	39	47	21	8	16	24	28	20	7
EV per Share	6.78	9.46	16.02	19.48	9.52	3.66	7.12	10.5	12.28	9.07	- -
TTM Sales	8	7	7	7	12	12	13	14	12	12	14
TTM EBITDA	2	2	2	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	2	2	2	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	- -	- -	- -	3	3	3	3	1	2	3
TTM Free Cash Flow to Firm	2	- -	- -	- -	3	3	4	4	1	2	3

Multiples (USD)

API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	7.07	- -	- -	- -	6.71	5.71	5.34	5.02	11.91	6.89	5.57
EV/EBIT	8.47	9.44	18.48	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	16	23	39	47	21	8	16	24	28	20	-11
Low Price	13.05	13	12.4	11.75	7.5	5	6.6	7.31	5.02	4	4.86
EV/Sales	2.15	3.06	5.37	6.61	1.83	0.69	1.23	1.75	2.37	1.68	- -
EV/EBITDA	8.19	9.44	18.48	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	11.12	9.32	20.45	17.25	8.83	8.72	8.29	7.01	12.05	7.35	- -
Price/Earnings Average	11.19	9.05	13.68	17.9	8.55	8.98	7.75	7.81	12.84	7.79	- -
Price/Earnings High	25.34	19.56	20.45	19.32	9.04	10.28	8.52	10.07	16.08	10.3	- -
Price/Earnings Low	22.12	17.84	18.11	16.21	7.98	6.16	6.25	6.4	9.4	5.49	- -
Price/Book Value	0.85	1.03	2.05	1.77	0.67	0.55	0.64	0.56	0.44	0.35	- -
Price/Book Value Average	0.86	1	1.37	1.84	0.65	0.57	0.6	0.62	0.47	0.37	- -
Price/Book Value High	1.95	2.16	2.05	1.98	0.68	0.65	0.66	0.8	0.59	0.49	- -
Price/Book Value Low	1.7	1.97	1.81	1.66	0.6	0.39	0.48	0.51	0.34	0.26	- -
Price/Tangible Book Value	1	1.03	2.01	1.66	0.85	0.67	0.83	1.33	0.93	0.68	- -
Price/Tangible Book Value Average	1.01	1	1.35	1.72	0.82	0.69	0.77	1.48	0.99	0.72	- -
Price/Tangible Book Value High	2.28	2.16	2.01	1.86	0.87	0.79	0.85	1.91	1.24	0.95	- -
Price/Tangible Book Value Low	1.99	1.97	1.78	1.56	0.76	0.47	0.62	1.22	0.72	0.51	- -
Price/Sales	2.08	2.2	4.69	4.24	1.6	1.34	1.51	1.33	1.24	0.99	- -
Price/Sales Average	2.09	2.13	3.14	4.41	1.55	1.38	1.41	1.49	1.32	1.05	- -
Price/Sales High	4.75	4.61	4.69	4.75	1.64	1.58	1.55	1.92	1.66	1.39	- -
Price/Sales Low	4.14	4.21	4.16	3.99	1.44	0.95	1.14	1.22	0.97	0.74	- -
Price/Cash Flow	7.07	- -	- -	- -	6.88	5.91	5.63	5.23	15.06	7.61	- -
Price/Cash Flow Average	7.11	- -	- -	- -	6.67	6.08	5.26	5.84	16.04	8.07	- -
Price/Cash Flow High	16.12	- -	- -	- -	7.05	6.97	5.79	7.52	20.09	10.67	- -
Price/Cash Flow Low	14.07	- -	- -	- -	6.22	4.17	4.24	4.78	11.74	5.69	- -
Price/Free Cash Flow Average	7.11	- -	- -	- -	6.49	5.88	4.99	5.6	12.69	7.3	4.23
Price/Free Cash Flow High	16.12	- -	- -	- -	6.87	6.73	5.49	7.21	15.89	9.66	5.57
Price/Free Cash Flow Low	14.07	- -	- -	- -	6.06	4.03	4.03	4.58	9.29	5.15	3.41
EV/Sales Average	2.16	3	3.81	6.77	1.78	0.73	1.13	1.9	2.45	1.74	- -
EV/Sales High	4.81	5.48	5.37	7.12	1.87	0.93	1.27	2.33	2.79	2.08	- -
EV/Sales Low	4.21	5.07	4.83	6.36	1.68	0.3	0.86	1.64	2.1	1.43	- -
EV/EBITDA Average	8.24	9.25	13.13	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	18.33	16.9	18.48	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	16.04	15.65	16.63	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	8.51	9.25	13.13	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	18.95	16.9	18.48	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	16.57	15.65	16.63	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	6.56	6.79	14	12.5	8.3	7.08	8.75	8	6.44	5.35	7.95
High Price	14.95	14.25	14	14	8.5	8.35	9	11.5	8.59	7.5	7.95
Enterprise Value Average	16	22	28	48	21	9	15	26	29	21	-11
Enterprise Value High	37	41	39	51	22	11	17	32	33	25	-11
Enterprise Value Low	32	38	35	45	20	4	11	22	24	17	-11

Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	- -
Revenue per Share	3.15	3.09	2.98	2.95	5.2	5.29	5.8	6	5.18	5.41	- -
EBITDA per Share	0.83	1	0.87	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.8	1	0.87	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.59	0.73	0.68	0.72	0.94	0.81	1.06	1.14	0.53	0.73	- -
Basic EPS from Cont Ops	0.59	0.73	0.68	0.72	0.94	0.81	1.06	1.14	0.53	0.73	- -
Diluted EPS, GAAP	0.59	0.73	0.68	0.72	0.94	0.81	1.06	1.14	0.53	0.73	1.11
Diluted EPS from Cont Ops	0.59	0.73	0.68	0.72	0.94	0.81	1.06	1.14	0.53	0.73	1.11
Dividend per Share	0.39	- -	- -	- -	0.36	0.36	0.36	0.36	0.25	- -	- -
Cash Flow per Share	0.93	- -	- -	- -	1.21	1.2	1.55	1.53	0.43	0.7	- -
Free Cash Flow per Basic Share	0.93	- -	- -	- -	1.17	1.16	1.47	1.46	0.31	0.63	- -
Cash & Equivalents per Share	1.63	2.02	1.75	1.74	2.94	7.49	2.5	2.4	2.05	4.93	- -
Book Value per Share	7.68	6.59	6.84	7.07	12.44	12.88	13.63	14.4	14.63	15.34	- -
Tangible Book Value per Share	6.55	6.59	6.95	7.54	9.81	10.57	10.6	6.01	6.93	7.88	- -

Community Bankers' Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)