A Business at a Glance
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COMMUNITY BANCORP /VT
CMTV
$227M
Mkt Cap
$40.56
+3.31%
COMMUNITY BANCORP /VT (CMTV) has a current P/E ratio of 13.9, compared to its historical median P/E of 6.9. The stock is currently considered Expensive based on its historical valuation range.
COMMUNITY BANCORP /VT (CMTV) has a 5-year average return on invested capital (ROIC) of 14.7%. This indicates solid capital allocation.
COMMUNITY BANCORP /VT (CMTV) has a market capitalization of $227M. It is classified as a small-cap stock.
Yes, COMMUNITY BANCORP /VT (CMTV) pays a dividend with a trailing twelve-month yield of 1.74%.
Based on historical P/E analysis, COMMUNITY BANCORP /VT (CMTV) appears expensive. The current P/E of 13.9 is 102% above its historical median of 6.9. The estimated fair value CAGR (P/E method) is 7.4%.
COMMUNITY BANCORP /VT (CMTV) operates in the National Commercial Banks industry, within the Financials sector.
COMMUNITY BANCORP /VT (CMTV) reported annual revenue of $69 million in its most recent fiscal year, based on SEC EDGAR filings.
Organization and Operation The Company. The Company (“we”, “us”, “our”) was organized under the laws of the State of Vermont in 1982 and became a registered bank holding company under the Bank Holding Company Act of 1956, as amended, in October 1983 when Community National Bank, headquartered in Derby, Vermont, reorganized into a holding company structure. The Bank is the Company’s only subsidiary and principally all of our business operations are presently conducted through it. Therefore, the following narrative and the other information about the Company contained in this report are based primarily on the Bank's operations. The Bank; Banking Services. Community National Bank was organized in 1851 as the Peoples Bank, and was subsequently reorganized as the National Bank of Derby Line in 1865. In 1975, after 110 continuous years of operation as the National Bank of Derby Line, the Bank acquired the Island Pond National Bank and changed its name to "Community National Bank.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 69M | 69M | 62M | 54M | 44M | 42M |
| Net Income | 17M | 17M | 13M | 13M | 14M | 13M |
| EPS | $3.01 | $3.01 | $2.28 | $2.43 | $2.53 | $2.45 |
| Free Cash Flow | 15M | 15M | 15M | 14M | 15M | 13M |
| ROIC | 45.1% | 13.4% | 11.6% | 15.8% | 17.0% | 15.8% |
| Gross Margin | 0.0% | 0.0% | 65.3% | 74.3% | 88.6% | 91.0% |
| Debt/Equity | 0.46 | 0.46 | 0.43 | 0.04 | 0.29 | 0.29 |
| Dividends/Share | $0.71 | $0.98 | $0.94 | $0.92 | $0.92 | $0.88 |
| Operating Income | 20M | 20M | 15M | 16M | 17M | 16M |
| Operating Margin | 29.7% | 29.7% | 24.4% | 30.2% | 38.6% | 38.8% |
| ROE | 14.8% | 15.9% | 13.5% | 16.2% | 17.1% | 16.2% |
| Shares Outstanding | 6M | 6M | 6M | 5M | 5M | 5M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 28M | 29M | 30M | 32M | 35M | 38M | 40M | 42M | 44M | 54M | 62M | 69M | 69M |
| Gross Margin | 87.2% | 88.9% | 89.2% | 88.4% | 85.1% | 80.9% | 83.8% | 91.0% | 88.6% | 74.3% | 65.3% | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 18M | 19M | 19M | 19M | 20M | 20M | 20M | 22M | 22M | 24M | 25M | 27M | 27M |
| EBIT | 918K | 882K | 1.0M | 928K | 1.3M | 1.0M | 13M | 16M | 17M | 16M | 15M | 20M | 20M |
| Op. Margin | 3.3% | 3.1% | 3.5% | 2.9% | 3.7% | 2.8% | 32.7% | 38.8% | 38.6% | 30.2% | 24.4% | 29.7% | 29.7% |
| Net Income | 5.0M | 4.7M | 5.4M | 6.1M | 8.3M | 8.7M | 11M | 13M | 14M | 13M | 13M | 17M | 17M |
| Net Margin | 18.0% | 16.6% | 18.1% | 19.1% | 23.5% | 23.2% | 26.9% | 31.5% | 31.2% | 24.6% | 20.3% | 24.5% | 24.5% |
| Non-Recurring | -7K | -131K | -40K | -29K | 260K | 31K | -174K | 8K | 0 | -33K | -3K | -8K | -8K |
| Returns on Capital | |||||||||||||
| ROIC | 10.0% | 8.9% | 10.1% | 10.7% | 13.5% | 13.2% | 14.5% | 15.8% | 17.0% | 15.8% | 11.6% | 13.4% | 45.1% |
| ROE | 10.6% | 9.4% | 10.2% | 10.9% | 13.8% | 13.3% | 14.6% | 16.2% | 17.1% | 16.2% | 13.5% | 15.9% | 14.8% |
| ROA | 0.9% | 0.8% | 0.9% | 0.9% | 1.2% | 1.2% | 1.3% | 1.4% | 1.3% | 1.2% | 1.1% | 1.3% | 1.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 9.3M | 5.6M | 9.3M | 8.1M | 10M | 11M | 14M | 14M | 16M | 15M | 16M | 16M | 16M |
| Free Cash Flow | 8.6M | 4.5M | 8.9M | 7.5M | 10M | 10M | 13M | 13M | 15M | 14M | 15M | 15M | 15M |
| Owner Earnings | 9.1M | 5.3M | 9.0M | 7.8M | -1.9M | 10M | 13M | 13M | 15M | 14M | 15M | 15M | 15M |
| CapEx | 742K | 1.1M | 452K | 575K | 91K | 952K | 452K | 896K | 616K | 633K | 792K | 781K | 781K |
| Maint. CapEx | 273K | 273K | 273K | 273K | 12M | 930K | 895K | 1.1M | 1.1M | 1.1M | 1.0M | 1.0M | 1.0M |
| Growth CapEx | 469K | 799K | 179K | 302K | 0 | 22K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 273K | 273K | 273K | 273K | 12M | 930K | 895K | 1.1M | 1.1M | 1.1M | 1.0M | 1.0M | 1.0M |
| CapEx/OCF | 7.9% | 19.2% | 4.9% | 7.1% | 0.9% | N/A | 3.3% | 6.4% | 3.9% | 4.2% | 5.0% | N/A | 4.9% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 2.2M | 2.3M | 2.3M | 2.5M | 2.7M | 2.8M | 2.9M | 3.4M | 3.7M | 3.7M | 3.7M | 4.0M | 4.0M |
| Dividend Yield | 5.5% | 5.3% | 5.1% | 4.2% | 4.3% | 4.6% | 5.3% | 4.3% | 4.1% | 4.2% | 4.4% | N/A | 1.7% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 2.0M | 0 | 0 | 1.4M | 0 | 200K | 0 | 5.0M | 5.0M |
| Balance Sheet | |||||||||||||
| Net Debt | 1.6M | 13M | 11M | -39M | -55M | -68M | -150M | -268M | -242M | -208M | -229M | -221M | -76M |
| Cash & Equiv. | 12M | -3.2M | 11M | 11M | 68M | 49M | 115M | 110M | 71M | 20M | 111M | 128M | 128M |
| Long-Term Debt | 6.0M | 0 | 550K | 2.0M | 0 | 1.1M | 150K | 3.9M | 1.3M | 3.4M | 30M | 10M | 10M |
| Debt/Equity | 0.28 | 0.19 | 0.40 | -0.48 | 0.20 | 0.39 | 0.33 | 0.29 | 0.29 | 0.04 | 0.43 | 0.46 | 0.46 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 | 1.0 |
| Equity | 49M | 51M | 54M | 58M | 63M | 69M | 77M | 85M | 75M | 89M | 98M | 114M | 114M |
| Total Assets | 587M | 596M | 638M | 667M | 720M | 738M | 918M | 1.0B | 1.1B | 1.1B | 1.2B | 1.3B | 1.3B |
| Total Liabilities | 538M | 545M | 583M | 609M | 658M | 669M | 841M | 934M | 981M | 1.0B | 1.2B | 1.2B | 1.2B |
| Intangibles | 818K | 545K | 273K | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 6.9M | 8.5M | 11M | 13M | 18M | 23M | 29M | 38M | 46M | 54M | 62M | 73M | 73M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 1.03 | 0.96 | 1.07 | 1.21 | 1.61 | 1.68 | 2.03 | 2.45 | 2.53 | 2.43 | 2.28 | 3.01 | 3.01 |
| Owner EPS | 1.85 | 1.08 | 1.79 | 1.54 | -0.37 | 1.98 | 2.41 | 2.42 | 2.70 | 2.53 | 2.66 | 2.68 | 2.68 |
| Book Value | 10.01 | 10.40 | 10.80 | 11.44 | 12.15 | 13.25 | 14.66 | 15.86 | 13.91 | 16.25 | 17.69 | 20.28 | 20.28 |
| Cash Flow/Share | 1.91 | 1.13 | 1.85 | 1.59 | 1.97 | 2.16 | 2.58 | 2.63 | 2.91 | 2.73 | 2.84 | 2.86 | 3.20 |
| Dividends/Share | 0.64 | 0.64 | 0.64 | 0.68 | 0.74 | 0.76 | 0.76 | 0.88 | 0.92 | 0.92 | 0.94 | 0.98 | 0.71 |
| Shares Out. | 4.9M | 4.9M | 5.0M | 5.1M | 5.2M | 5.2M | 5.3M | 5.3M | 5.4M | 5.5M | 5.5M | 5.6M | 5.6M |
| Valuation | |||||||||||||
| P/E Ratio | 8.3 | 9.2 | 9.3 | 10.1 | 7.2 | 7.1 | 5.6 | 6.7 | 6.5 | 6.7 | 6.9 | N/A | 13.5 |
| P/FCF | 4.9 | 9.6 | 5.7 | 8.2 | 5.9 | 5.9 | 4.5 | 6.6 | 5.8 | 6.1 | 5.8 | N/A | 14.9 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7.4 |
| Price/Book | 0.9 | 0.9 | 0.9 | 1.1 | 1.0 | 0.9 | 0.8 | 1.0 | 1.2 | 1.0 | 0.9 | N/A | 2.0 |
| Price/Sales | 1.6 | 1.7 | 1.7 | 2.1 | 2.0 | 2.0 | 1.6 | 2.1 | 2.3 | 2.2 | 2.0 | N/A | 3.3 |
| FCF Yield | 20.1% | 10.2% | 17.3% | 12.0% | 16.7% | 16.5% | 21.9% | 14.9% | 17.0% | 15.9% | 17.0% | N/A | 6.7% |
| Market Cap | 43M | 44M | 51M | 63M | 60M | 62M | 60M | 88M | 89M | 90M | 88M | 0 | 227M |
| Avg. Price | 8.12 | 8.63 | 8.98 | 11.63 | 12.01 | 11.79 | 10.52 | 14.83 | 16.83 | 15.95 | 15.11 | 0.00 | 40.56 |
| Year-End Price | 8.55 | 8.76 | 10.01 | 12.11 | 11.54 | 11.72 | 11.13 | 16.19 | 16.09 | 16.02 | 15.72 | 0.00 | 40.56 |
COMMUNITY BANCORP /VT passes 4 of 9 quality checks, suggesting mixed fundamentals.
COMMUNITY BANCORP /VT trades at 13.9x trailing earnings, compared to its 15-year median P/E of 6.9x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 16.1x vs a median of 5.9x. The company's 5-year average ROIC is 14.7% with a gross margin of 63.8%. Total shareholder yield (dividends) is 1.7%. At current prices, the estimated annualized return to fair value is +3.3%.
COMMUNITY BANCORP /VT (CMTV) has a net profit margin of 24.5%. This is a strong margin indicating high profitability.
COMMUNITY BANCORP /VT (CMTV) generated $15 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
COMMUNITY BANCORP /VT (CMTV) has a debt-to-equity ratio of 0.46. This indicates a conservatively financed balance sheet.
COMMUNITY BANCORP /VT (CMTV) reported earnings per share (EPS) of $3.01 in its most recent fiscal year.
COMMUNITY BANCORP /VT (CMTV) has a return on equity (ROE) of 15.9%. This indicates the company generates strong returns for shareholders.
COMMUNITY BANCORP /VT (CMTV) has a 5-year average gross margin of 63.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for COMMUNITY BANCORP /VT (CMTV), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
COMMUNITY BANCORP /VT (CMTV) has a book value per share of $20.28, based on its most recent annual SEC filing.
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