Community Bancorp CMTV FINANCIAL
Company Overview
Community Bancorp. operates as the bank holding company for Community National Bank that provides various financial services to individuals, businesses, nonprofit organizations, and municipalities in northern and central Vermont. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as standby letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, card processing, and remote deposit capture. It also provides commercial real estate lending products comprising financing for commercial developers and investors, residential builders and developers, and community development entities, including credit products to facilitate the purchase of land and/or build structures for business; to develop residential or commercial properties; and for real estate secured financing of existing businesses, as well as financing to startups and other small businesses. In addition, the company offers residential real estate lending products, such as fixed-rate and adjustable rate residential mortgage and home equity loans; and retail credit services, which includes personal, automobile, and boat/recreational vehicle loans. Further, the company provides municipal and institutional banking services comprising deposit account services, term and tax-exempt loans, and lines of credit to state and local governments, schools, charities, membership, and not-for-profit associations. Additionally, it offers consumer banking services, including checking accounts, savings programs, ATMs, debit and credit cards, night deposit facilities, and online, mobile and telephone banking services. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.
Why Investors Should Care
Generates a return on equity of 16.2%, reflecting efficient use of shareholder capital.
Trades at a P/E of 12.2, below the sector median of 14.5.
Maintains a net profit margin of 36.7%.
Offers a dividend yield of 2.50%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $46.19M (+16.4% YoY); net profit $16.97M.
- Trailing 12 Months Year-on-year growth — revenue +11.2%, earnings +16.6%.
- 5-Year Trend Long-term compounding — revenue CAGR 5.6%, profit CAGR 7.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 5.61% |
| 1 Year: | 11.20% |
Compounded Profit Growth
| 5 Years: | 7.29% |
| 1 Year: | 16.60% |
Stock Price Performance
| 1 Year: | +81.11% |
| 6 Months: | +33.68% |
| 3 Months: | +4.19% |
| 1 Month: | -0.20% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)47.08 · Neutral
P/E of 12.15 is below the sector median of 14.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 36.7%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CMTV Community Bancorp FINANCIAL | 39.96 | 12.15 | $223.85M | 2.50% | - | 16.23% | 5.61% | 7.29% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | 10.58M | 11.21M | 11.79M | 12.62M | 12.25M | - |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | 5.09M | 4.96M | 4.91M | 5.06M | 5.08M | - |
| Pretax Income | - | 4.19M | 4.88M | 5.75M | 5.58M | 5.24M | - |
| Tax Provision | - | 662.81K | 819.03K | 1.01M | 947.75K | 875.25K | - |
| Net Income | - | 3.53M | 4.06M | 4.75M | 4.64M | 4.37M | - |
| Diluted EPS | - | - | 0.72 | 0.84 | 0.83 | 0.78 | 0.84 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 39.22M | 39.32M | 39.70M | 46.19M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 4.03M | 12.69M | 20.37M | 20.01M |
| Pretax Income | - | 16.88M | 16.33M | 15.20M | 20.40M |
| Tax Provision | - | 3.14M | 2.90M | 2.44M | 3.44M |
| Net Income | - | 13.74M | 13.43M | 12.76M | 16.97M |
| Diluted EPS | - | 2.53 | 2.43 | 2.28 | 3.03 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 1.06B | 1.10B | 1.25B | 1.29B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 12.30M | 15.00M | 9.88M | 11.80M |
| Inventory | - | - | - | - | - |
| Receivables | - | 3.21M | 4.25M | 4.47M | 4.61M |
| Total Liabilities | - | 980.86M | 1.01B | 1.15B | 1.17B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 14.19M | 67.49M | 85.49M | 48.86M |
| Total Debt | - | 14.19M | 67.49M | 85.49M | 48.86M |
| Total Equity | - | 75.18M | 89.03M | 98.05M | 113.69M |
| Shares Outstanding | - | 5.59M | 5.72M | 5.81M | 5.88M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 15.74M | 14.93M | 15.77M | 16.05M |
| Investing Cash Flow | - | -95.00M | -92.09M | -56.56M | -16.20M |
| Financing Cash Flow | - | 40.05M | 26.46M | 131.30M | 17.27M |
| Capital Expenditure | - | -615.55K | -633.46K | -791.79K | -780.77K |
| Free Cash Flow | - | 15.12M | 14.30M | 14.98M | 15.27M |
| Net Change in Cash | - | -39.22M | -50.71M | 90.51M | 17.12M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 35.0% | 34.2% | 32.2% | 36.7% |
| ROE % | - | 18.3% | 15.1% | 13.0% | 14.9% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Community Financial Services Group, LLC | 12.52% | 696.49K | $28.50M |
| 2 | Blackrock Inc. | 5.93% | 330.21K | $13.51M |
| 3 | Vanguard Capital Management LLC | 4.04% | 225.04K | $9.21M |
| 4 | Geode Capital Management, LLC | 2.33% | 129.57K | $5.30M |
| 5 | Manufacturers Life Insurance Co. | 1.14% | 63.17K | $2.59M |
| 6 | Silverlake Wealth Management LLC | 1.12% | 62.35K | $2.55M |
| 7 | Alliancebernstein L.P. | 1.09% | 60.38K | $2.47M |
| 8 | State Street Corporation | 1.01% | 56.15K | $2.30M |
| 9 | Northern Trust Corporation | 0.70% | 38.96K | $1.59M |
| 10 | Vanguard Portfolio Management LLC | 0.62% | 34.52K | $1.41M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CMTV
CMTV vs. FRAF: Which Community Bank Stock Is the Better Buy? - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMilwFBVV95cUxQUG9LeTBPamQ2UG5DYkhmSE9zNjJzY0I1dDlmNjUxNVJENUIyX3JxcEFrS0czSTM5azJUZkNPQ0dyUjk2ZFlDZzN3cUdXdHlQOHR5ckdhSU5XLUZMTi1lVERtdkR3ZnVycTlRYUhLdExicUFjTm9iMXUwVnFaWjI4M1dzcmlxcEEwX0JOQn…
BlackRock Inc. Takes $12.91 Million Position in Community Bancorp Inc $CMTV - marketbeat.com
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Community Bancorp (CMTV) Stock Q2 Profit Margin Strengthens Bullish Earnings Narrative - simplywall.st
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The Manufacturers Life Insurance Company Takes Position in Community Bancorp Inc $CMTV - marketbeat.com
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CMTV Stock Price and Chart — NASDAQ:CMTV - TradingView
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CMTV — Frequently Asked Questions
What is the current share price of Community Bancorp (CMTV)?
As of 2026-09-07 16:24 PDT, Community Bancorp (CMTV) trades at $39.96 on NasdaqCM. Its 52-week range is $21.23 to $42.20.
What is the market capitalisation of CMTV?
Community Bancorp (CMTV) has a market capitalisation of $223.85M on NasdaqCM.
What is the P/E ratio of CMTV?
CMTV trades at a trailing price-to-earnings (P/E) ratio of 12.15. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.85.
Does CMTV pay a dividend?
Community Bancorp (CMTV) currently offers a dividend yield of 2.50%.
What is the return on equity (ROE) of CMTV?
CMTV has a return on equity (ROE) of 16.23%.
Is CMTV a good stock to buy?
This page provides a data-driven analysis of Community Bancorp (CMTV), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.