Community Bancorp (CMTV) AI Stock Analysis

• Market Cap: $126.03M
• Dividend Yield: 3.2%
• Average Volume (3M): 5.34K
• Price to Earnings (P/E): 8.6
• Beta (1Y): 0.23
• Revenue Growth: 13.16%
• EPS Growth: 17.34%
• Country: US
• Employees: 128
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.72
• Shares Outstanding: 5,601,316
• 10 Day Avg. Volume: 10,039
• 30 Day Avg. Volume: 5,340
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.72
• Enterprise Value/Revenue: 4.39
• Enterprise Value/Gross Profit: 5.13
• Enterprise Value/Ebitda: 8.79
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• Price Target: ―

Community Bancorp demonstrates strong financial performance with solid profitability and stable financial health, although increased reliance on debt may pose risks. The valuation is compelling due to a low P/E ratio and high dividend yield, making it attractive to value and income investors. Technical indicators suggest limited short-term momentum, but the stock's fundamentals provide a solid foundation for long-term stability.

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 generates revenue primarily through the interest income from its lending activities, including personal, commercial, and real estate loans. The company earns interest on the loans it extends to customers, which constitutes a significant portion of its overall revenue. Additionally, the company makes money from non-interest income sources such as fees from banking services, including account maintenance fees, transaction charges, and other service-related fees. Community Bancorp also benefits from its investment portfolio income, which includes interest and dividends from securities. Strategic partnerships with local businesses and cross-selling of financial products further contribute to its earnings.

Community Bancorp Financial Statement Overview

Summary

Community Bancorp exhibits strong profitability and stable financial health with effective cash flow management. While the company shows resilience in its revenue and shareholder equity, increased debt reliance and potential operating constraints could pose future challenges. Overall, the financial position remains commendable, indicative of a well-managed regional bank.

Income Statement

Community Bancorp exhibited steady revenue with a slight decrease from the previous year, though it has seen consistent growth over a multi-year period. The net profit margin remains robust, indicating solid profitability. However, the absence of EBIT and EBITDA in the latest year suggests potential constraints in operating performance metrics.

Balance Sheet

The company maintains a healthy equity base with a solid equity ratio, indicating stability. However, the debt-to-equity ratio has increased, suggesting a higher reliance on debt financing. Return on equity is strong, demonstrating efficient use of shareholder funds to generate profits.

Cash Flow

Free cash flow has shown positive growth, supporting financial flexibility. The operating cash flow to net income ratio is strong, indicating effective cash generation relative to earnings. However, fluctuations in investing and financing cash flows highlight potential volatility in cash management strategies.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	49.29M	40.68M	39.32M	38.33M	36.53M	33.78M
Gross Profit	42.16M	38.10M	34.22M	38.33M	36.53M	33.78M
EBITDA	24.61M	15.01M	0.00	18.02M	17.23M	13.90M
Net Income	29.05M	12.76M	13.43M	13.74M	13.14M	10.76M
Balance Sheet
Total Assets	1.17B	1.25B	1.10B	1.06B	1.02B	918.23M
Cash, Cash Equivalents and Short-Term Investments	25.93M	169.57M	15.00M	205.22M	200.18M	71.56M
Total Debt	114.91M	85.49M	67.49M	14.19M	14.19M	15.69M
Total Liabilities	1.06B	1.15B	1.01B	980.86M	934.35M	840.94M
Stockholders Equity	106.34M	98.05M	89.03M	75.18M	84.76M	77.29M
Cash Flow
Free Cash Flow	10.88B	14.98M	14.30M	15.12M	13.15M	13.13M
Operating Cash Flow	10.88B	15.77M	14.93M	15.74M	14.04M	13.58M
Investing Cash Flow	-61.68M	-56.56M	-92.09M	-95.00M	-104.59M	-116.99M
Financing Cash Flow	43.64M	131.30M	26.46M	40.05M	85.86M	169.89M

Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 22.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

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 22.5 is above the 20-day moving average (MA) of 22.41, above the 50-day MA of 22.03, and above the 200-day MA of 18.57, indicating a bullish trend. The MACD of 0.09 indicates Positive momentum. The RSI at 58.37 is Neutral, neither overbought nor oversold. The STOCH value of 91.92 is Negative, 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	76 Outperform	$126.03M	8.58	14.97%	3.20%	13.16%	17.34%
MGYR	69 Neutral	110.63M	11.05	7.04%	1.67%	18.82%	35.00%
PROV	69 Neutral	102.60M	16.86	0.00%	3.56%	2.53%	-12.02%
WMPN	53 Neutral	113.45M	-97.08	-0.83%	0.97%	2.25%	-261.40%
PBHC	52 Neutral	94.99M	165.06	-0.59%	2.53%	8.19%	0.00%
FNWB	44 Neutral	68.94M	-6.47	-4.30%	3.78%	10.23%	-110.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%