Community Bancorp. (CMTV)
NASDAQ:CMTV
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Community Bancorp
(NASDAQ:CMTV)
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Rating:75Outperform
Price Target:
$46.00
▲(85.48% Upside)
Action:UpgradedDate:03/29/26
The score is driven primarily by solid profitability and growth, supported by improved leverage, plus attractive valuation (low P/E and a reasonable dividend). These positives are tempered by 2025 financial data consistency concerns and a mixed technical picture with near-term softness despite a longer-term uptrend.
Positive Factors
Consistent revenue growth and improving margins
Sustained top-line momentum and rising operating and net margins indicate durable core lending and fee performance. This improves internal capital generation, supports loan growth and provisioning capacity, and enhances profitability resilience across the next 2–6 months.
Negative Factors
Inconsistency in reported total assets
A sudden, large asset jump undermines trend comparability and obscures balance-sheet composition. For a bank, unclear asset reporting complicates capital adequacy, liquidity assessment and risk-weighted asset analysis, reducing confidence in medium-term risk profiling.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue growth and improving margins
Sustained top-line momentum and rising operating and net margins indicate durable core lending and fee performance. This improves internal capital generation, supports loan growth and provisioning capacity, and enhances profitability resilience across the next 2–6 months.
Read all positive factors
Community Bancorp (CMTV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$222.05M
Dividend Yield3.9%
Average Volume (3M)4.41K
Price to Earnings (P/E)9.9
Beta (1Y)0.12
Revenue Growth10.07%
EPS Growth32.55%
CountryUS
Employees128
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.31
Shares Outstanding5,580,648
10 Day Avg. Volume1,933
30 Day Avg. Volume4,407
Financial Highlights & Ratios
PEG Ratio0.25
Price to Book (P/B)1.23
Price to Sales (P/S)2.03
P/FCF Ratio9.14
Enterprise Value/Market Cap1.11
Enterprise Value/Revenue3.71
Enterprise Value/Gross Profit5.47
Enterprise Value/Ebitda11.52
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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...
How the Company Makes Money
Community Bancorp primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income, while incurring operating costs and credit losses that affect profitability. Net interest income is th...
Community Bancorp Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
67
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 68.79M | 59.61M | 52.01M | 43.25M | 40.21M |
| Gross Profit | 47.41M | 38.10M | 37.84M | 38.24M | 36.47M |
| EBITDA | 20.40M | 16.23M | 17.40M | 18.02M | 17.23M |
| Net Income | 16.97M | 12.76M | 13.43M | 13.74M | 13.14M |
Balance Sheet | |||||
| Total Assets | 1.29B | 1.25B | 1.10B | 1.06B | 1.02B |
| Cash, Cash Equivalents and Short-Term Investments | 156.33M | 169.57M | 15.00M | 205.22M | 200.18M |
| Total Debt | 90.36M | 134.43M | 67.49M | 47.26M | 46.80M |
| Total Liabilities | 1.17B | 1.15B | 1.01B | 980.86M | 934.35M |
| Stockholders Equity | 113.69M | 98.05M | 89.03M | 75.18M | 84.76M |
Cash Flow | |||||
| Free Cash Flow | 15.26M | 14.98M | 14.30M | 15.12M | 13.15M |
| Operating Cash Flow | 16.04M | 15.77M | 14.93M | 15.74M | 14.04M |
| Investing Cash Flow | -16.19M | -56.56M | -92.09M | -95.00M | -104.59M |
| Financing Cash Flow | 17.27M | 131.30M | 26.46M | 40.05M | 85.86M |
Community Bancorp Technical Analysis
Positive
24.80
Price Trends
33.86
Positive
29.84
Positive
25.79
Positive
Market Momentum
0.27
Negative
55.52
Neutral
72.12
Neutral
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 35.00, below the 50-day MA of 33.86, and below the 200-day MA of 25.79, indicating a bullish trend. The MACD of 0.27 indicates Negative momentum. The RSI at 55.52 is Neutral, neither overbought nor oversold. The STOCH value of 72.12 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CMTV.
Community Bancorp Risk Analysis
Community Bancorp disclosed 30 risk factors in its most recent earnings report. Community Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Community Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $222.05M | 9.94 | 15.88% | 3.90% | 10.07% | 32.55% | |
68 Neutral | $178.91M | 18.86 | 7.42% | ― | 36.10% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $136.89M | 14.85 | 6.95% | ― | 4.88% | 53.05% | |
65 Neutral | $141.62M | 7.61 | 11.60% | 2.69% | 12.63% | 50.17% | |
60 Neutral | $108.81M | 17.77 | 6.70% | 1.75% | 0.38% | 50.07% | |
59 Neutral | $139.91M | 35.16 | 2.44% | 0.88% | 15.21% | 2015.08% |
* Financial Sector Average
CMTV
Community Bancorp
39.79
22.60
131.47%
SBFG
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AFBI
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22.46
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SFBC
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42.37
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-14.78%
RBKB
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SRBK
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18.47
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43.53%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.