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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, term, lines of credit, letters of credit, and customized loans. In addition, it offers debit, ATM, credit, travel, youth, gift, and reloadable cards; merchant and ACH origination services; Internet banking and phone banking services; and safe deposit boxes. The company was founded in 1905 and is headquartered in Indiana, Pennsylvania.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public information on Community Bankers' Corporation (CTYP.US, PINK) is limited; it appears to be a small regional bank holding company offering deposit-taking, lending and basic financial services. Long-term growth may be driven by local loan expansion, deposit stability and net interest margin management, and investors may find it attractive for targeted exposure to community banking linked to regional economic trends.
Material risks include limited disclosure and market liquidity, credit and portfolio concentration in a small lender, regulatory oversight and thin OTC trading that could magnify volatility and impede exits.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 2.96M | 1.87M | 1.30M | 3.05M | 2.83M |
| Net income | 2.51M | 1.64M | 1.20M | 2.57M | 2.37M |
| Selling general administrative | 0.75M | 0.53M | 0.47M | 0.43M | 0.42M |
| Selling and marketing expenses | - | - | 7.02M | - | - |
| Gross profit | 13.90M | 12.19M | 11.68M | 13.51M | 13.04M |
| Reconciled depreciation | 0.33M | 0.17M | 0.20M | 0.58M | 0.83M |
| Ebit | 2.96M | - | 1.30M | 3.05M | 2.83M |
| Ebitda | 3.29M | - | 1.50M | 3.62M | 3.66M |
| Depreciation and amortization | 0.33M | 0.17M | 0.20M | 0.58M | 0.83M |
| Operating income | 2.96M | 3.08M | 1.30M | 3.05M | 2.83M |
| Other operating expenses | 18.68M | 9.11M | 16.26M | 12.53M | 12.35M |
| Interest expense | 7.73M | 8.66M | 5.88M | 2.07M | 2.14M |
| Tax provision | 0.45M | 0.23M | 0.09M | 0.48M | 0.46M |
| Interest income | 20.26M | 19.52M | 16.26M | 14.31M | 13.79M |
| Net interest income | 12.53M | 10.86M | 10.38M | 12.24M | 11.65M |
| Income tax expense | 0.45M | 0.23M | 0.09M | 0.48M | 0.46M |
| Total revenue | 21.64M | 12.19M | 17.56M | 15.57M | 15.18M |
| Total operating expenses | 10.95M | 9.11M | 10.38M | 10.46M | 10.21M |
| Cost of revenue | 7.73M | 8.66M | 5.88M | 2.07M | 2.14M |
| Total other income expense net | - | -1.21M | -0.20M | -0.20M | -0.20M |
| Net income from continuing ops | 2.51M | 1.64M | 1.20M | 2.57M | 2.37M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 417.48M | 410.00M | 401.47M | 384.99M | 389.52M |
| Intangible assets | - | - | - | 0.37M | 0.37M |
| Other current assets | - | - | 0.00M | 5.40M | 0.01M |
| Total liab | 393.76M | 391.85M | 385.49M | 371.09M | 365.33M |
| Total stockholder equity | 23.73M | 18.15M | 15.98M | 13.91M | 24.20M |
| Other current liab | 379.92M | 362.01M | 358.89M | 355.88M | 357.83M |
| Common stock | 0.55M | 0.55M | 0.55M | 0.55M | 0.55M |
| Capital stock | 0.55M | 0.55M | 0.55M | 0.55M | 0.55M |
| Retained earnings | 36.33M | 34.07M | 32.43M | 31.87M | 30.11M |
| Good will | 0.37M | 0.37M | 0.37M | 0.37M | 0.37M |
| Other assets | - | 410.00M | - | - | 0.00M |
| Cash | 12.58M | 11.12M | 4.62M | 5.40M | 5.63M |
| Total current liabilities | 379.92M | 362.01M | 358.89M | 355.88M | 357.83M |
| Net debt | -10.62M | 8.39M | 13.16M | 5.62M | -3.67M |
| Short term debt | - | 26.45M | 23.24M | 11.67M | 4.62M |
| Short long term debt total | 1.96M | 19.51M | 17.79M | 11.02M | 1.96M |
| Other stockholder equity | -13.15M | -16.47M | -17.00M | -18.51M | -6.46M |
| Total current assets | 12.58M | 11.12M | 4.62M | 5.40M | 5.63M |
| Long term investments | 81.66M | 81.40M | 80.59M | 76.20M | 97.56M |
| Short term investments | - | - | - | -10.78M | -11.24M |
| Accumulated other comprehensive income | - | -11.16M | -11.68M | -13.18M | -1.10M |
| Non currrent assets other | 90.13M | 89.69M | 89.46M | 84.42M | 104.75M |
| Non current assets total | 404.90M | 398.88M | 396.84M | 379.60M | 383.90M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 4.05M | -1.43M | -15.78M | -7.98M | -47.99M |
| Total cashflows from investing activities | -3.07M | -1.43M | -15.78M | -7.98M | -47.99M |
| Net borrowings | -17.55M | 1.72M | 6.77M | 9.06M | -7.23M |
| Total cash from financing activities | 1.45M | 6.34M | 14.04M | 4.31M | 33.21M |
| Net income | 2.51M | 1.64M | 1.20M | 2.57M | 2.37M |
| Change in cash | 1.46M | 6.49M | -0.77M | -0.23M | -11.28M |
| Begin period cash flow | 11.12M | 4.62M | 5.40M | 5.63M | 16.91M |
| End period cash flow | 12.58M | 11.12M | 4.62M | 5.40M | 5.63M |
| Total cash from operating activities | 3.08M | 1.59M | 0.96M | 3.44M | 3.50M |
| Issuance of capital stock | 0.01M | 0.01M | 0.02M | 0.02M | 0.02M |
| Depreciation | 0.33M | 0.17M | 0.20M | 0.58M | 0.83M |
| Other cashflows from investing activities | -6.97M | -1.36M | -13.03M | -7.13M | -22.32M |
| Dividends paid | 0.25M | - | 0.56M | 0.81M | 0.81M |
| Change to account receivables | -0.21M | 0.07M | -0.19M | - | - |
| Sale purchase of stock | - | - | - | 0.00M | -0.03M |
| Other cashflows from financing activities | 19.24M | 4.60M | 7.82M | -3.96M | 40.00M |
| Capital expenditures | 0.14M | 0.17M | 0.25M | 0.15M | 0.19M |
| Change in working capital | -0.21M | 0.09M | 0.01M | 0.19M | 0.23M |
| Other non cash items | 0.45M | -0.32M | -0.45M | 0.10M | 0.06M |
| Free cash flow | 2.93M | 1.42M | 0.71M | 3.29M | 3.31M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CTYP Community Bankers' Corporation |
-0.01 0.09% |
10.79 | 9.50 | - | 1.72 | 1.01 | 1.86 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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, term, lines of credit, letters of credit, and customized loans. In addition, it offers debit, ATM, credit, travel, youth, gift, and reloadable cards; merchant and ACH origination services; Internet banking and phone banking services; and safe deposit boxes. The company was founded in 1905 and is headquartered in Indiana, Pennsylvania.
1271 Indian Springs Road, Indiana, PA, United States, 15701
724 464 2265
| Name | Title | Year Born |
|---|---|---|
| Mr. George P. Karlheim | Pres & CEO | 1968 |
| Ms. Trisha J. Brewer CPA | Treasurer, Sr. VP & CFO | NA |
| Anna M. Mano | Sec. | NA |
| Mr. George P. Karlheim | President & CEO | 1968 |
| Ms. Trisha J. Brewer CPA | Treasurer, Senior VP & CFO | NA |
| Anna M. Mano | Secretary | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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Basic Materials
-1.82%
Communication Services
-0.22%
Consumer Cyclical
-0.13%
Consumer Defensive
+0.32%
Energy
+0.15%
Financial Services
-0.85%
Financials
+2.34%
Healthcare
-1.28%
Industrials
-0.96%
Real Estate
-0.38%
Technology
-2.73%
Utilities
-0.31%
Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
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