Community Bankers' Corporation
Community Bankers' Corporation operates as a bank holding company for Marion Center Bank, which provides personal and business banking services in Indiana. It offers checking, savings, certificates of deposit, and individual retirement accounts. The company's loan products comprise mortgage loans, construction loans, home equity loans, and home equity lines of credit loans; and real estate, land,… Read more
Community Bankers' Corporation (CTYP) - Net Assets
Latest net assets as of December 2007: $18.60 Million USD
Based on the latest financial reports, Community Bankers' Corporation (CTYP) has net assets worth $18.60 Million USD as of December 2007.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($220.74 Million) and total liabilities ($202.14 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $18.60 Million |
| % of Total Assets | 8.43% |
| Annual Growth Rate | 0.45% |
| 5-Year Change | -25.12% |
| 10-Year Change | N/A |
| Growth Volatility | 17.4 |
Community Bankers' Corporation - Net Assets Trend (2004–2024)
This chart illustrates how Community Bankers' Corporation's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Community Bankers' Corporation (2004–2024)
The table below shows the annual net assets of Community Bankers' Corporation from 2004 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $18.15 Million | +13.57% |
| 2023-12-31 | $15.98 Million | +14.92% |
| 2022-12-31 | $13.91 Million | -42.53% |
| 2021-12-31 | $24.20 Million | -0.17% |
| 2020-12-31 | $24.24 Million | +7.69% |
| 2019-12-31 | $22.51 Million | +21.00% |
| 2007-12-31 | $18.60 Million | +8.12% |
| 2006-12-31 | $17.20 Million | +4.53% |
| 2005-12-31 | $16.46 Million | -0.72% |
| 2004-12-31 | $16.58 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Community Bankers' Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 89.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $34.07 Million | 187.71% |
| Common Stock | $550.00K | 3.03% |
| Other Comprehensive Income | $-11.16 Million | -61.51% |
| Total Equity | $18.15 Million | 100.00% |
Community Bankers' Corporation Competitors by Market Cap
The table below lists competitors of Community Bankers' Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Lenskart Solutions Ltd
NSE:LENSKART
|
$57.18K |
|
Sebang Co. Ltd. Pfd. Series 1
KQ:004365
|
$57.19K |
|
IVGAF
OTCGREY:IVGAF
|
$57.20K |
|
ALLIED PROP.REAL EST. UTS
F:5G8
|
$57.26K |
|
VTCHF
PINK:VTCHF
|
$57.15K |
|
Novo Integrated Sciences Inc
NASDAQ:NVOS
|
$57.13K |
|
Income Financial Trust
TO:INC-UN
|
$57.08K |
|
Nwai
WAR:NWA
|
$57.04K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Community Bankers' Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 15,980,824 to 18,149,732, a change of 2,168,908 (13.6%).
- Net income of 1,642,543 contributed positively to equity growth.
- New share issuances of 13,518 increased equity.
- Other comprehensive income increased equity by 512,847.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $1.64 Million | +9.05% |
| Share Issuances | $13.52K | +0.07% |
| Other Comprehensive Income | $512.85K | +2.83% |
| Total Change | $- | 13.57% |
Book Value vs Market Value Analysis
This analysis compares Community Bankers' Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.73x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.86x to 0.73x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | $6.86 | $5.88 | x |
| 2005-12-31 | $6.80 | $5.88 | x |
| 2006-12-31 | $7.11 | $5.88 | x |
| 2007-12-31 | $7.69 | $5.88 | x |
| 2019-12-31 | $9.97 | $5.88 | x |
| 2020-12-31 | $10.74 | $5.88 | x |
| 2021-12-31 | $10.76 | $5.88 | x |
| 2022-12-31 | $6.18 | $5.88 | x |
| 2023-12-31 | $7.09 | $5.88 | x |
| 2024-12-31 | $8.04 | $5.88 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Community Bankers' Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.05%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.48%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 22.59x
- Recent ROE (9.05%) is below the historical average (10.02%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 8.60% | 12.89% | 0.06x | 11.72x | $-232.00K |
| 2005 | 10.71% | 15.45% | 0.06x | 12.10x | $117.00K |
| 2006 | 9.63% | 13.45% | 0.06x | 12.06x | $-63.50K |
| 2007 | 9.43% | 13.76% | 0.06x | 11.87x | $-106.20K |
| 2019 | 9.43% | 14.04% | 0.05x | 14.19x | $-129.11K |
| 2020 | 7.56% | 12.43% | 0.04x | 14.66x | $-590.61K |
| 2021 | 9.81% | 15.64% | 0.04x | 16.10x | $-45.00K |
| 2022 | 18.49% | 16.51% | 0.04x | 27.69x | $1.18 Million |
| 2023 | 7.54% | 6.86% | 0.04x | 25.12x | $-393.73K |
| 2024 | 9.05% | 13.48% | 0.03x | 22.59x | $-172.43K |
Industry Comparison
This section compares Community Bankers' Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Community Bankers' Corporation (CTYP) | $18.60 Million | 8.60% | 10.87x | $57.15K |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |