Community Bancorp (CMTV) AI Stock Analysis

• Market Cap: $179.85M
• Dividend Yield: 3.9%
• Average Volume (3M): 4.41K
• Price to Earnings (P/E): 8.2
• Beta (1Y): -0.06
• Revenue Growth: 11.58%
• EPS Growth: 33.44%
• Country: US
• Employees: 128
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.83
• Shares Outstanding: 5,604,612
• 10 Day Avg. Volume: 1,933
• 30 Day Avg. Volume: 4,407
• PEG Ratio: -1.10
• Price to Book (P/B): 0.95
• Price to Sales (P/S): 1.56
• P/FCF Ratio: 6.19
• Enterprise Value/Market Cap: -64.12
• Enterprise Value/Revenue: -178.43
• Enterprise Value/Gross Profit: -266.96
• Enterprise Value/Ebitda: -13.67
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 65 Neutral
• Price Target: $34.00 ▲(37.10% Upside)
• Action: Downgraded Date: 01/09/26
• Date: Action: Downgraded 01/09/26

The score is driven primarily by mixed financial performance (solid profitability/cash conversion but higher leverage and weaker TTM revenue with data inconsistencies). Technicals are supportive with an uptrend, though the stock looks overbought. Valuation is a clear positive, with a low P/E and a solid dividend yield.

Positive Factors

Profitability and Cash Conversion

Consistent profitability and high cash conversion across recent annual periods indicate durable internal cash generation. That steady free cash flow supports lending capacity, dividend payments and reinvestment, enhancing long-term operational resilience and capital allocation flexibility.

Negative Factors

Rising Leverage

A sharp increase in leverage materially raises balance‑sheet risk for a regional bank, increasing sensitivity to earnings shocks and interest costs. Higher debt constrains capital flexibility, may pressure regulatory ratios, and reduces the firm's buffer to absorb loan losses or stressed economic conditions.

Community Bancorp Business Overview & Revenue Model

Company Description

Community Bancorp. operates as the bank holding company for Community National Bank that provides a range of retail banking services to residents, businesses, nonprofit organizations, and municipalities. It provides various consumer banking produc...

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Community Bancorp. operates as the bank holding company for Community National Bank that provides a range of retail banking services to residents, businesses, nonprofit organizations, and municipalities. It provides various consumer banking produc...

How the Company Makes Money

Community Bancorp makes money primarily through the interest earned on loans provided to customers, which is a significant revenue stream. This includes personal loans, business loans, and mortgages. Additionally, the company generates income from...

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Community Bancorp makes money primarily through the interest earned on loans provided to customers, which is a significant revenue stream. This includes personal loans, business loans, and mortgages. Additionally, the company generates income from...

Community Bancorp Financial Statement Overview

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	64.63M	59.61M	52.01M	43.25M	40.21M	38.92M
Gross Profit	43.20M	38.10M	37.84M	38.24M	36.47M	32.49M
EBITDA	843.45M	16.23M	17.40M	18.02M	17.23M	13.90M
Net Income	24.03M	12.76M	13.43M	13.74M	13.14M	10.76M
Balance Sheet
Total Assets	1.23T	1.25B	1.10B	1.06B	1.02B	918.23M
Cash, Cash Equivalents and Short-Term Investments	164.06B	169.57M	15.00M	205.22M	200.18M	71.56M
Total Debt	93.34M	134.43M	67.49M	47.26M	46.80M	54.41M
Total Liabilities	1.11B	1.15B	1.01B	980.86M	934.35M	840.94M
Stockholders Equity	111.88M	98.05M	89.03M	75.18M	84.76M	77.29M
Cash Flow
Free Cash Flow	14.12M	14.98M	14.30M	15.12M	13.15M	13.13M
Operating Cash Flow	15.25M	15.77M	14.93M	15.74M	14.04M	13.58M
Investing Cash Flow	-32.22M	-56.56M	-92.09M	-95.00M	-104.59M	-116.99M
Financing Cash Flow	28.01M	131.30M	26.46M	40.05M	85.86M	169.89M

Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 24.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CMTV, the sentiment is Neutral. The current price of 24.8 is below the 20-day moving average (MA) of 35.40, below the 50-day MA of 32.40, and above the 200-day MA of 24.75, indicating a neutral trend. The MACD of 2.20 indicates Positive momentum. The RSI at 49.77 is Neutral, neither overbought nor oversold. The STOCH value of 43.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CMTV.

Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RBKB	68 Neutral	$170.89M	13.95	7.66%	―	22.30%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SBFG	66 Neutral	$129.83M	10.15	10.29%	2.69%	10.78%	21.72%
CMTV	65 Neutral	$179.85M	8.22	0.09%	3.90%	11.58%	33.44%
SFBC	65 Neutral	$112.61M	12.42	6.70%	1.75%	2.85%	73.41%
AFBI	62 Neutral	$118.42M	14.73	6.68%	―	5.18%	36.12%
SRBK	59 Neutral	$128.47M	35.78	1.57%	0.88%	9.43%	166.36%

Community Bancorp Corporate Events