Stock fact sheet · data as of
Community Bankers' Corporation (CTYP): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is CTYP undervalued?
CTYP closed at 10.80 on 16 Oct 2026, 25% below the GLS average fair value of 14.45 from 9 models (5 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" rule of the Sunday Scan, and the Wheel Score gives it 23 of the 25 Value points.
The 9 models disagree widely: DDM gives 2.35 while 10 Cap gives 30.32. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files CTYP under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for CTYP
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 10.65 | -1% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 16.20 | +50% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 17.92 | +66% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 4.44 | -59% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 7.40 | -31% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 30.32 | +181% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 28.39 | +163% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 2.35 | -78% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 12.34 | +14% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -168.65 | -1662% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: CTYP passes 2 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 5.3 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 9.8%, ROE 10.6%, ROA 0.6% - with debt at 0.08 times equity and a free-cash-flow yield of 12.0%.
The dividend yield is 1.48% with a payout ratio of 10% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 2 / 9 | ROIC | 9.8% |
|---|---|---|---|
| GLS Moat | 5.3 / 10 | ROE | 10.6% |
| Debt / equity | 0.08 | ROA | 0.6% |
| Free-cash-flow yield | 12.0% | Payout ratio | 10% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
CTYP has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $24M, with a beta of -0.02 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 23 / 25 | 25% margin of safety | |
| Health | 4 / 20 | Piotroski 2/9 | |
| Moat | 8 / 15 | moat 5.3/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $24M cap, beta -0.02 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CTYP in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Community Bankers' Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FBPI First Bancorp of Indiana, Inc. | 14.50 | 10.66 | -36% | 25No options | $25M |
| FLEW Fleetwood Bank Corporation | 83.00 | 100.24 | +17% | 34No options | $25M |
| CNAF Commercial National Financial Corporation | 8.38 | 8.66 | +3% | 39No options | $24M |
| MNBO MNB Holdings Corporation | 56.30 | 41.39 | -36% | 17No options | $26M |
| SNNF Seneca Bancorp, Inc. | 12.85 | 11.11 | -16% | 39No options | $23M |
| GTPS Great American Bancorp, Inc. | 72.30 | 270.12 | +73% | 39No options | $26M |
| TVLF Tennessee Valley Financial Holdings, Inc. | 12.54 | 18.67 | +33% | 38No options | $23M |
| BAFN BayFirst Financial Corp. | 6.34 | 333.00 | +98% | 39No options | $26M |
| CNBA Chester Bancorp, Inc. | 5.85 | 3.00 | -95% | 23No options | $26M |
| APLO Apollo Bancorp, Inc. | 52.00 | 69.13 | +25% | 39No options | $26M |
| MKIN MCNB Banks, Inc. | 21.00 | 19.11 | -10% | 20No options | $23M |
| HRGG Heritage NOLA Bancorp, Inc. | 21.30 | 5.53 | -285% | 23No options | $26M |
⚖ Compare CTYP with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CTYP
Is CTYP undervalued right now?
By the GLS models, moderately: at 10.80 the stock trades 25% below the average fair value of 14.45 (data as of 16 Oct 2026).
What is the Wheel Score of CTYP and what does it mean?
CTYP has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CTYP?
14.45 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Community Bankers' Corporation report earnings next?
No upcoming earnings date is recorded for CTYP in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does CTYP have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CTYP, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.