Community Bancorp (CMTV) AI Stock Analysis

• Market Cap: $200.35M
• Dividend Yield: 3.9%
• Average Volume (3M): 4.41K
• Price to Earnings (P/E): 8.2
• 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: 5,580,648
• 10 Day Avg. Volume: 1,933
• 30 Day Avg. Volume: 4,407
• PEG Ratio: 0.25
• Price to Book (P/B): 1.23
• Price to Sales (P/S): 2.03
• P/FCF Ratio: 9.14
• Enterprise Value/Market Cap: -57.48
• Enterprise Value/Revenue: -171.44
• Enterprise Value/Gross Profit: -242.88
• Enterprise Value/Ebitda: -13.64
• 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: 75 Outperform
• Price Target: $38.00 ▲(53.23% Upside)
• Action: Upgraded Date: 03/29/26
• Date: Action: Upgraded 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

High Profitability

Sustained ~30% operating margin and rising net margin indicate durable operational efficiency and pricing power in the core banking franchise. Strong margins support internal capital generation for lending, dividends and loss absorption, improving resilience over the medium term.

Negative Factors

Data Consistency Issues

Material inconsistencies in reported 2025 balances (notably total assets) undermine trend analysis and credit exposure assessment. This reduces confidence in ratio stability, complicates capital planning and stress testing, and raises medium-term transparency and comparability risks.

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 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...

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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

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	156.33B	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

• Technical Analysis Sentiment: Positive
• 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 Positive. The current price of 24.8 is below the 20-day moving average (MA) of 36.74, below the 50-day MA of 33.43, and below the 200-day MA of 25.43, indicating a neutral trend. The MACD of 0.27 indicates Positive momentum. The RSI at 53.03 is Neutral, neither overbought nor oversold. The STOCH value of 65.43 is Neutral, 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
CMTV	75 Outperform	$200.35M	8.22	0.09%	3.90%	11.58%	33.44%
RBKB	68 Neutral	$172.68M	12.98	7.66%	―	22.30%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AFBI	66 Neutral	$135.92M	14.73	6.68%	―	5.18%	36.12%
SBFG	66 Neutral	$140.99M	10.15	10.29%	2.69%	10.78%	21.72%
SFBC	65 Neutral	$115.86M	15.59	6.70%	1.75%	2.85%	73.41%
SRBK	59 Neutral	$132.56M	35.78	1.57%	0.88%	9.43%	166.36%

Community Bancorp Corporate Events