Event-Driven Stocks

Community Bankers Trust Corp

Financials · State Commercial Banks · VA · SEC filings ↗ · Compare ⊕

Signs● 2 good● 2 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY20FY19FY18FY17FY16FY15
Revenue$2.9M$3.2M$2.9M$2.7M——
Operating income——————
Net income$15.5M$15.7M$13.7M$7.2M$2.4M−$2.5M
Total assets$1.64B$1.43B$1.39B$1.34B$1.25B$1.18B
Total liabilities$1.48B$1.28B$1.26B$1.21B$1.14B$1.08B
Equity$169.7M$155.5M$137.5M$124.0M$114.5M$104.5M
EPS (diluted)$0.69$0.70$0.61$0.32$0.11$-0.11
Shares out.22.4M22.1M22.1M22.0M21.9M21.8M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2020
Operating margin
—
Net margin
534.7%
Return on equity
9.2%
Return on assets
0.9%
Return on capital (ROCE)
—
Liabilities / assets
89.7%
Debt / equity
8.70×
Book value / share
$7.56
Revenue growth (YoY)
−10.0%
Net income growth (YoY)
−1.0%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2020
Accruals / assets
−0.4%clean
Piotroski F-Score
3/7weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
57
/ 100
Profitability 100Growth 0Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 2 warning● 2 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • Revenue declined year-over-year
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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