Community Bancorp (CMTV) AI Stock Analysis

• Market Cap: $170.94M
• Dividend Yield: 3.9%
• Average Volume (3M): 4.41K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.08
• 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: -67.52
• Enterprise Value/Revenue: -178.59
• Enterprise Value/Gross Profit: -267.20
• Enterprise Value/Ebitda: -13.68
• 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.

Return on Equity

Sustained mid‑teens ROE over multiple years signals effective capital deployment and a profitable banking franchise. Persistent above‑average returns cushion earnings volatility, support shareholder returns, and indicate competitive strength in asset/yield management over the medium term.

Preferred Redemption / Capital Action

Redeeming perpetual preferred stock is a structural capital move that reduces fixed dividend obligations and simplifies the capital base. If regulatory ratios remain compliant, this increases management flexibility for organic growth, buybacks, or common dividends over the medium term.

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.

TTM Financial Inconsistencies

Large, unexplained step‑changes in trailing metrics impair the reliability of near‑term forecasts and capital planning. Persistent data inconsistencies make stress testing and provisioning harder, elevating execution and regulatory risk when allocating capital or assessing liquidity under adverse scenarios.

Near-term Revenue and Margin Weakness

A TTM revenue decline after multi‑year growth, combined with uneven margins and an EBIT dip, suggests decelerating core earnings power. That undermines predictability of net income and ROE, complicating sustainable dividend coverage and lending expansion over the coming months.

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 products and services, including checking accounts, savings programs, ATMs, debit/credit cards, and night deposit facilities, as well as online, mobile, and telephone banking. The company's business banking products and services comprise credit products for various business purposes, including financing for commercial business properties, equipment, inventories, and accounts receivable, as well as letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, and remote deposit capture. It offers commercial real estate lending products for commercial developers and investors, residential builders and developers, and community development entities, which include credit products to facilitate the purchase of land and/or build structures for business, for investors 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. The company's residential real estate lending products include fixed-rate and adjustable rate residential mortgage and home equity loans; retail credit products include personal, automobile, and boat/recreational vehicle loans; and municipal and institutional banking products and services for state and local governments, schools, charities, membership, and not-for-profit associations comprise deposit accounts, tax-exempt loans, lines of credit, and term loans, as well as a collateralized secured deposit products. It operates through a main office in Derby; and eleven branch offices in northeastern and central Vermont. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.

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 fees associated with account maintenance, transaction charges, and other banking services. Investment income from securities and other financial instruments also contributes to its revenue. Partnerships with local businesses and community organizations enhance its service offerings and customer base, driving more deposits and lending activities, which further boosts earnings.

Community Bancorp Financial Statement Overview

Summary

Solid multi-year profitability and generally good cash conversion, but TTM revenue is down (near-term pressure) and leverage rose materially into 2024 (higher balance-sheet risk). Several TTM inconsistencies versus annual trends reduce confidence in current momentum and balance-sheet readings.

Income Statement

Revenue grew steadily from 2020–2024, but TTM (Trailing-Twelve-Months) shows a decline (down 4.4%), signaling some near-term pressure. Profitability is strong across most periods with healthy net margins (roughly low-30% range in annual years and higher in TTM), but margin consistency is uneven (notably an EBIT margin dip in 2023 and an unusually large EBITDA figure in TTM), which reduces confidence in the trend quality.

Balance Sheet

From 2020–2024, leverage moved higher, with debt-to-equity rising from ~0.17–0.20 to ~0.87 in 2024, which is a clear balance-sheet risk if earnings soften. Returns on equity were solid in 2020–2024 (roughly mid-teens), supporting the capital base; however, TTM (Trailing-Twelve-Months) balance sheet figures appear inconsistent versus prior years (including zero debt and a sharply lower return on equity), limiting visibility and pulling the score down.

Cash Flow

Cash generation looks consistently supportive in 2020–2024, with free cash flow tracking close to net income (roughly mid-90% range) and generally positive growth (aside from a decline in 2023). That said, TTM (Trailing-Twelve-Months) cash flow numbers show extreme step-changes versus prior periods (very large operating/free cash flow and exceptionally high growth), which raises reliability concerns and prevents a higher score.

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

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CMTV, the sentiment is Positive. The current price of 24.8 is below the 20-day moving average (MA) of 31.76, below the 50-day MA of 28.73, and above the 200-day MA of 23.17, indicating a neutral trend. The MACD of 0.55 indicates Positive momentum. The RSI at 49.45 is Neutral, neither overbought nor oversold. The STOCH value of 12.04 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CMTV.

Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	75 Outperform	$130.44M	9.48	10.12%	2.69%	10.78%	21.72%
SRBK	68 Neutral	$125.51M	45.66	1.57%	0.88%	9.43%	166.36%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CMTV	65 Neutral	$170.94M	9.97	14.97%	3.90%	11.58%	33.44%
AFBI	64 Neutral	$122.74M	15.33	5.95%	―	5.18%	36.12%
SFBC	64 Neutral	$109.52M	15.33	6.52%	1.75%	2.85%	73.41%
RBKB	63 Neutral	$176.55M	17.34	3.95%	―	22.30%	―

Community Bancorp Corporate Events

Community Bancorp Updates Board Committee Assignments for 2026

On January 23, 2026, Community Bancorp., the parent company of Community National Bank, announced that it had posted the current committee assignments for its Board of Directors on its investor relations website, reflecting appointments that took effect on January 1, 2026. The update formalizes the board’s committee structure for the new year, signaling how governance responsibilities are allocated among directors and providing shareholders and other stakeholders with greater transparency into the company’s oversight framework.

The most recent analyst rating on (CMTV) stock is a Buy with a $33.00 price target. To see the full list of analyst forecasts on Community Bancorp stock, see the CMTV Stock Forecast page.

Community Bancorp Completes Redemption of Preferred Stock

On November 10, 2025, Community Bancorp. completed the redemption of all outstanding shares of its Series A Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock at a redemption price of $100,814.38 per share. The company anticipates maintaining compliance with regulatory capital guidelines following this redemption.