Stock fact sheet · data as of
Community Bankers' Corporation (CTYP): fair value, margin of safety and Wheel Score
Ticker symbol CTYP · Financial Services · Banks - Regional · United States · Speculative
Is CTYP undervalued?
CTYP closed at 10.79 on 5 Nov 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" Wheel Trade Filter, with room for a bigger discount on the Value part.
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 - it is losing money or its Piotroski health score is 3 or lower - 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 | 10.70 | -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 | -1663% | 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 scans drop the stock at the health filter; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is low at 4.7 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
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 | 4.7 / 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 26: 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. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (26 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 1k 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 rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 2/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $24M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 25% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 4.7/10 | |
| Health | Weak | Piotroski 2/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.02, $24M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it 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 |
|---|---|---|---|---|---|
| SNNF Seneca Bancorp, Inc. | 13.60 | 11.11 | -22% | 21No options | $24M |
| BAFN BayFirst Financial Corp. | 5.97 | 233.62 | +97% | 31No options | $25M |
| CNAF Commercial National Financial Corporation | 8.43 | 8.92 | +5% | 19No options | $24M |
| FBPI First Bancorp of Indiana, Inc. | 14.55 | 10.66 | -37% | 17No options | $25M |
| FLEW Fleetwood Bank Corporation | 84.00 | 100.53 | +16% | 24No options | $25M |
| MCHT Mauch Chunk Trust Financial Corp. | 6.98 | 8.94 | +22% | 25No options | $23M |
| MKIN MCNB Banks, Inc. | 21.56 | 17.95 | -20% | 17No options | $23M |
| CNBA Chester Bancorp, Inc. | 5.85 | 3.00 | -95% | 17No options | $26M |
| APLO Apollo Bancorp, Inc. | 52.00 | 70.85 | +27% | 30No options | $26M |
| MNBO MNB Holdings Corporation | 57.50 | 41.39 | -39% | 13No options | $26M |
| GOVB Gouverneur Bancorp, Inc. | 21.25 | 5.85 | -263% | 15No options | $23M |
| GTPS Great American Bancorp, Inc. | 74.69 | 273.99 | +73% | 31No options | $27M |
⚖ 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 10.79 the stock trades 25% below the average fair value of 14.45 (data as of 5 Nov 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; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for CTYP?
14.45 per share as of 5 Nov 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 5 Nov 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 stays under 70.