Your Community Bankshares

The Company operates through its banking subsidiary, Your Community Bank (the Bank). The Bank is a state-chartered commercial bank. The Bank has approximately three subsidiaries to manage its investment portfolio, including CBSI Holdings, Inc. and CBSI Investments, Inc., which together owns CBSI Investment Portfolio Management, LLC, which holds and manages investment securities owned by the Bank. In addition, the Company owns a captive insurance company, CBIN Insurance, Inc., which issues policies to its banking subsidiaries. The Company offers business and personal banking services through a range of deposit products and services that include non-interest and interest-bearing checking accounts, mobile banking, debit cards, savings accounts, money market accounts, certificates of deposit and individual retirement accounts.
New Albany, US
Size (employees)
339 (est)
Your Community Bankshares is headquartered in New Albany, US

Your Community Bankshares Office Locations

Your Community Bankshares has an office in New Albany
New Albany, US (HQ)
101 W Spring St

Your Community Bankshares Data and Metrics

Your Community Bankshares Financial Metrics

Your Community Bankshares's revenue was reported to be $59.8 m in FY, 2015 which is a 75% increase from the previous period.
Numbers are in $, USD

Revenue (FY, 2015)

59.8 m

Revenue growth (FY, 2014 - FY, 2015), %


Net income (FY, 2015)

10.4 m

Market capitalization (01-Sep-2016)

215.2 m

Closing share price (01-Sep-2016)

Your Community Bankshares's current market capitalization is $215.2 m.
FY, 2013FY, 2014FY, 2015


33.3 m34.3 m59.8 m

Revenue growth, %


Net Income

8.7 m9 m10.4 m
FY, 2013FY, 2014FY, 2015

Accounts Receivable

3.1 m3.2 m5.3 m


18.6 m18.1 m33.3 m


4.9 m

Total Assets

846.7 m888.7 m1.6 b

Accounts Payable

106 k158 k451 k

Total Debt

67 m

Additional Paid-in Capital

44.6 m44.4 m90.9 m

Retained Earnings

25.2 m32.1 m39.5 m

Total Equity

99.5 m127.1 m

Debt to Assets Ratio

0.1 x

Financial Leverage

8.9 x12.2 x
FY, 2013FY, 2014FY, 2015

Net Income

8.7 m9 m10.4 m

Depreciation and Amortization

2 m1.5 m1.3 m

Accounts Receivable

57 k(3 k)(537 k)

Accounts Payable

(102 k)52 k(502 k)

Cash From Operating Activities

14.6 m11.7 m10.5 m

Cash From Investing Activities

46.1 m(40.4 m)117.2 m

Short-term Borrowings

130 k3 m

Cash From Financing Activities

(64.4 m)26.2 m(110.1 m)

Interest Paid

2.3 m1.9 m4.8 m

Income Taxes Paid

1.4 m1.2 m1.2 m
Y, 2015

Financial Leverage

12.2 x

Your Community Bankshares Company Life and Culture

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