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Community Bancorp. operates as the bank holding company for Community National Bank that provides various financial services to individuals, businesses, nonprofit organizations, and municipalities in northern and central Vermont. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as standby letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, card processing, and remote deposit capture. It also provides commercial real estate lending products comprising financing for commercial developers and investors, residential builders and developers, and community development entities, including credit products to facilitate the purchase of land and/or build structures for business; 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. In addition, the company offers residential real estate lending products, such as fixed-rate and adjustable rate residential mortgage and home equity loans; and retail credit services, which includes personal, automobile, and boat/recreational vehicle loans. Further, the company provides municipal and institutional banking services comprising deposit account services, term and tax-exempt loans, and lines of credit to state and local governments, schools, charities, membership, and not-for-profit associations. Additionally, it offers consumer banking services, including checking accounts, savings programs, ATMs, debit and credit cards, night deposit facilities, and online, mobile and telephone banking services. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Community Bancorp (CMTV) is a regional bank holding company that provides retail and commercial banking services, including deposit-taking and lending, to individual and business customers in its local markets. Long-term growth may be supported by net interest margin expansion, organic loan growth within its franchise, and fee income from mortgage and deposit services, which could appeal to investors seeking exposure to a localized banking business.
Key investment risks include sensitivity to interest-rate and credit cycles, regulatory and competitive pressures in the banking sector, and potential asset or deposit concentrations that could pressure capital or liquidity.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 20.40M | 15.20M | 16.33M | 16.88M | 16.12M |
| Net income | 16.97M | 12.76M | 13.43M | 13.74M | 13.14M |
| Selling general administrative | 16.50M | 15.67M | 13.36M | 21.87M | 21.66M |
| Gross profit | - | - | - | 75.86M | 6.73M |
| Reconciled depreciation | 1.05M | 1.03M | 1.07M | 1.14M | 1.10M |
| Ebit | - | - | - | 53.99M | 29.02M |
| Operating income | - | - | - | 53.99M | 29.02M |
| Other operating expenses | - | - | - | 7.48M | 0.62M |
| Interest expense | 20.01M | 20.37M | 12.69M | 4.03M | 3.12M |
| Tax provision | 3.44M | 2.44M | 2.90M | 3.14M | 2.98M |
| Interest income | 60.64M | 54.77M | 46.76M | 37.03M | 34.73M |
| Net interest income | 40.64M | 34.40M | 34.07M | 33.00M | 31.61M |
| Income tax expense | - | - | - | 3.14M | 2.98M |
| Total revenue | 46.19M | 39.70M | 39.32M | 75.86M | 6.73M |
| Total operating expenses | - | - | - | 21.87M | -22.28M |
| Net income from continuing ops | 16.97M | 12.76M | 13.43M | 13.74M | 13.14M |
| Net income applicable to common shares | - | - | - | 13.74M | 13.14M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1287.56M | 1248.93M | 1099.34M | 1056.03M | 1019.11M |
| Other current assets | - | - | - | 3.71M | 2.74M |
| Total liab | 1173.87M | 1150.88M | 1010.32M | 980.86M | 934.35M |
| Total stockholder equity | 113.69M | 98.05M | 89.03M | 75.18M | 84.76M |
| Other current liab | - | - | - | 922.97M | 879.40M |
| Common stock | - | - | - | 14.12M | 13.97M |
| Capital stock | 14.71M | 16.02M | 15.81M | 15.62M | 15.47M |
| Retained earnings | 73.02M | 61.62M | 54.20M | 46.46M | 37.76M |
| Other liab | - | - | - | - | 3.37M |
| Good will | 11.57M | 11.57M | 11.57M | 11.57M | 11.57M |
| Other assets | - | - | - | 947.32M | 696.89M |
| Cash | 11.80M | 9.88M | 15.00M | 71.14M | 110.36M |
| Total current liabilities | - | - | - | 933.59M | 879.40M |
| Net debt | 37.06M | 75.61M | 52.49M | 1.88M | - |
| Other stockholder equity | - | - | - | -20.67M | -1.17M |
| Property plant equipment | - | - | - | 13.04M | 13.77M |
| Total current assets | - | - | - | 267.27M | 287.35M |
| Long term investments | 144.53M | 159.70M | 190.71M | 740.33M | 682.58M |
| Net tangible assets | - | - | - | 62.10M | 71.69M |
| Short term investments | 144.53M | 159.70M | 190.71M | 192.92M | 182.34M |
| Net receivables | 4.61M | 4.47M | 4.25M | 3.21M | -5.35M |
| Long term debt | 48.86M | 85.49M | 67.49M | 12.89M | 12.89M |
| Accounts payable | - | - | - | 10.62M | 879.40M |
| Common stock total equity | - | - | - | 14.12M | 13.97M |
| Preferred stock total equity | - | - | - | 1.50M | 1.50M |
| Retained earnings total equity | - | - | - | 46.46M | 37.76M |
| Treasury stock | - | - | - | -2.62M | -2.62M |
| Non currrent assets other | - | - | - | 23.81M | 706.07M |
| Non current assets total | - | - | - | 788.76M | 1413.99M |
| Long term debt total | - | - | - | 12.89M | 12.89M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 22.94M | 24.61M | 7.59M | 0.83M | -105.56M |
| Change to liabilities | - | - | - | 0.74M | 0.23M |
| Total cashflows from investing activities | - | - | - | -95.00M | -104.59M |
| Net borrowings | -36.86M | 17.77M | 53.08M | 0.25M | -7.47M |
| Total cash from financing activities | 17.27M | 131.30M | 26.46M | 40.05M | 85.86M |
| Change to operating activities | - | - | - | -0.32M | -0.86M |
| Net income | 16.97M | 12.76M | 13.43M | 13.74M | -13.14M |
| Change in cash | 17.12M | 90.51M | -50.71M | -39.22M | -4.69M |
| Begin period cash flow | 110.94M | 20.43M | 71.14M | 110.36M | 115.05M |
| End period cash flow | 128.06M | 110.94M | 20.43M | 71.14M | 110.36M |
| Total cash from operating activities | 16.05M | 15.77M | 14.93M | 15.74M | 14.04M |
| Depreciation | 1.05M | 1.03M | 1.07M | 1.22M | 0.48M |
| Other cashflows from investing activities | - | - | - | 0.04M | 1.86M |
| Dividends paid | -4.06M | -3.84M | -3.80M | 3.78M | 3.44M |
| Change to account receivables | -0.14M | -0.23M | -1.03M | -0.81M | 0.59M |
| Sale purchase of stock | -3.38M | 0.00M | - | - | - |
| Other cashflows from financing activities | - | - | - | 43.57M | 96.76M |
| Change to netincome | - | - | - | 1.12M | 0.25M |
| Capital expenditures | 0.78M | 0.79M | 0.63M | 0.62M | 0.90M |
| Change receivables | - | - | - | -0.81M | 0.59M |
| Cash flows other operating | - | - | - | -0.27M | -0.26M |
| Cash and cash equivalents changes | - | - | - | -39.22M | -4.69M |
| Change in working capital | -2.35M | 0.78M | -0.50M | -0.64M | -0.54M |
| Other non cash items | 0.01M | 0.06M | 0.15M | 0.58M | 0.76M |
| Free cash flow | 15.27M | 14.98M | 14.30M | 15.12M | 13.15M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CMTV Community Bancorp. Common Stock |
-0.20 0.47% |
41.99 | 12.41 | 13.89 | 4.63 | 1.88 | 4.91 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Community Bancorp. operates as the bank holding company for Community National Bank that provides various financial services to individuals, businesses, nonprofit organizations, and municipalities in northern and central Vermont. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as standby letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, card processing, and remote deposit capture. It also provides commercial real estate lending products comprising financing for commercial developers and investors, residential builders and developers, and community development entities, including credit products to facilitate the purchase of land and/or build structures for business; 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. In addition, the company offers residential real estate lending products, such as fixed-rate and adjustable rate residential mortgage and home equity loans; and retail credit services, which includes personal, automobile, and boat/recreational vehicle loans. Further, the company provides municipal and institutional banking services comprising deposit account services, term and tax-exempt loans, and lines of credit to state and local governments, schools, charities, membership, and not-for-profit associations. Additionally, it offers consumer banking services, including checking accounts, savings programs, ATMs, debit and credit cards, night deposit facilities, and online, mobile and telephone banking services. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.
4811 US Route 5, Derby, VT, United States, 05829
802 334 7915
125
| Name | Title | Year Born |
|---|---|---|
| Ms. Kathryn M. Austin | Pres, CEO & Director | 1957 |
| Ms. Louise M. Bonvechio | Corp. Sec. & Treasurer | 1961 |
| Mr. Christopher L. Caldwell | VP and EVP & CLO, Community National Bank | 1966 |
| Ms. Candace A. Patenaude | Principal Accounting Officer, Financial Officer & Controller | 1963 |
| Ms. Tracy D. Roberts | VP & Marketing Director | NA |
| Ms. Kimico Perry | HR Officer | NA |
| Ms. Patricia Blackmore | CPA | NA |
| Melissa Tinker | Assistant Corp. Sec. | NA |
| Ms. Kathryn M. Austin | President, CEO & Director | 1957 |
| Mr. Christopher L. Caldwell | VP & Director | 1966 |
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Basic Materials
-1.82%
Communication Services
-0.22%
Consumer Cyclical
-0.13%
Consumer Defensive
+0.32%
Energy
+0.15%
Financial Services
-0.85%
Financials
+2.34%
Healthcare
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Industrials
-0.96%
Real Estate
-0.38%
Technology
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Utilities
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Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
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