Symbols / CMTV Stock $40.56 +1.53% Community Bancorp

Financial Services • Banks - Regional • United States • NCM
CMTV (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Christopher L. Caldwell
Exch · Country NCM · United States
Market Cap 227.00M
Enterprise Value 251.35M
Income 17.72M
Sales 49.02M
FCF (ttm) —
Book/sh 20.88
Cash/sh 11.54
Employees 125
Insider 10d —
IPO Feb 02, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 30.91%
P/E 12.79
Forward P/E —
PEG —
P/S 4.63
P/B 1.94
P/C —
EV/EBITDA —
EV/Sales 5.13
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.17
EPS next Y —
EPS Growth 25.40%
Revenue Growth 15.10%
EPS Gr Q/Q 23.90%
Rev Gr Q/Q —
Earnings (next) —
Earnings (prior) —
ROA 1.47%
ROE 16.21%
ROIC —
Gross Margin 0.00%
Oper. Margin 42.63%
Profit Margin 36.34%
Shs Outstand 5.60M
Shs Float 4.79M
Insider Own 14.31%
Instit Own 6.92%
Short Float 1.06%
Short Ratio 0.98
Short Interest 55.55K
52W High 42.80
vs 52W High -5.23%
52W Low 17.51
vs 52W Low 131.64%
Beta 0.25
Impl. Vol. —
Rel Volume 0.59
Avg Volume 31.50K
Volume 18.44K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $39.95
Price $40.56
Change 1.53%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$40.56
Latest analyst target
3. DCF / Fair value
$47.55
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$40.56
Low
—
High
—
Mean
—
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-06 LAMBERTON WAYNE Director — 1,350 $34.32 $46,332
2026-04-06 CALDWELL CHRISTOPHER L. Officer and Director — 1,000 $35.30 $35,299
2026-03-12 BONVECHIO LOUISE M Chief Financial Officer — 763 $32.75 $24,988
2026-03-10 LAMBERTON WAYNE Director — 130 $30.50 $3,965
2026-03-04 MOORE JEFFREY LEE Director — 100 $30.45 $3,045
2026-03-03 LAFORCE DAVID Director — 1,035 $30.00 $31,243
2026-02-13 MARVIN EMMA Director — 3,100 $32.50 $100,750
2026-02-04 BOUFFARD DAVID MARK Director — 500 $31.45 $15,725
2026-02-02 LAMBERTON WAYNE Director — 2,000 $31.19 $62,380
2026-02-02 CONANT AMINTA K Director — 4,000 $31.50 $126,000
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
46.19
+16.36%
39.70
+0.97%
39.32
+0.26%
39.22
Operating Revenue
46.19
+16.36%
39.70
+0.97%
39.32
+0.26%
39.22
Selling General And Administration
16.50
+5.29%
15.67
+17.31%
13.36
+11.15%
12.02
Selling And Marketing Expense
0.45
-4.42%
0.47
—
—
General And Administrative Expense
16.05
+5.60%
15.20
+13.75%
13.36
+11.15%
12.02
Salaries And Wages
14.56
+5.69%
13.77
+12.65%
12.23
+10.25%
11.09
Other Gand A
0.88
+8.58%
0.81
+26.36%
0.64
+10.12%
0.58
Reconciled Depreciation
1.05
+1.48%
1.03
-3.74%
1.07
-6.28%
1.14
Net Income
16.97
+32.93%
12.76
-4.97%
13.43
-2.24%
13.74
Pretax Income
20.40
+34.21%
15.20
-6.88%
16.33
-3.25%
16.88
Net Interest Income
40.64
+18.12%
34.40
+0.98%
34.07
+3.24%
33.00
Interest Expense
20.01
-1.79%
20.37
+60.48%
12.69
+214.95%
4.03
Interest Income
60.64
+10.72%
54.77
+17.13%
46.76
+26.28%
37.03
Gain On Sale Of Security
0.00
0.00
-100.00%
0.04
0.00
Tax Provision
3.44
+40.92%
2.44
-15.77%
2.90
-7.66%
3.14
Tax Rate For Calcs
0.00
+4.99%
0.00
-9.53%
0.00
-4.57%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
16.97
+32.93%
12.76
-4.97%
13.43
-2.24%
13.74
Net Income From Continuing Operation Net Minority Interest
16.97
+32.93%
12.76
-4.97%
13.43
-2.24%
13.74
Net Income From Continuing And Discontinued Operation
16.97
+32.93%
12.76
-4.97%
13.43
-2.24%
13.74
Net Income Continuous Operations
16.97
+32.93%
12.76
-4.97%
13.43
-2.24%
13.74
Normalized Income
16.97
+32.93%
12.76
-4.97%
13.43
-2.24%
13.74
Net Income Common Stockholders
16.87
+33.49%
12.64
-5.05%
13.31
-2.65%
13.67
Diluted EPS
—
2.28
-6.17%
2.43
-3.95%
2.53
Basic EPS
—
2.28
-6.17%
2.43
-3.95%
2.53
Basic Average Shares
—
5.55
+1.49%
5.47
+1.25%
5.40
Diluted Average Shares
—
5.55
+1.49%
5.47
+1.25%
5.40
Diluted NI Availto Com Stockholders
16.87
+33.49%
12.64
-5.05%
13.31
-2.65%
13.67
Insurance And Claims
0.61
-0.33%
0.61
+24.58%
0.49
+41.46%
0.35
Occupancy And Equipment
3.04
+11.01%
2.74
-2.63%
2.81
+0.24%
2.81
Other Non Interest Expense
5.72
+5.96%
5.40
-11.77%
6.12
-4.15%
6.38
Preferred Stock Dividends
0.10
-23.11%
0.13
+3.88%
0.12
+81.69%
0.07
Professional Expense And Contract Services Expense
0.94
+20.89%
0.78
+202.92%
0.26
-65.37%
0.74
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,287.56
+3.09%
1,248.93
+13.61%
1,099.34
+4.10%
1,056.03
Cash And Cash Equivalents
11.80
+19.51%
9.88
-34.17%
15.00
+21.93%
12.30
Other Short Term Investments
144.53
-9.50%
159.70
-16.26%
190.71
-1.15%
192.92
Receivables
4.61
+3.03%
4.47
+5.31%
4.25
+32.12%
3.21
Accounts Receivable
4.61
+3.03%
4.47
+5.31%
4.25
+32.12%
3.21
Net PPE
12.09
+0.15%
12.07
-2.41%
12.37
-5.15%
13.04
Gross PPE
28.04
+2.82%
27.27
+2.65%
26.57
+1.74%
26.11
Accumulated Depreciation
-15.95
-4.94%
-15.20
-7.06%
-14.19
-8.61%
-13.07
Land And Improvements
3.28
+6.07%
3.10
+2.31%
3.03
+5.96%
2.86
Buildings And Improvements
11.07
+2.06%
10.85
+1.28%
10.71
+0.35%
10.67
Machinery Furniture Equipment
7.30
+4.47%
6.98
+9.78%
6.36
+1.57%
6.26
Construction In Progress
0.03
-7.90%
0.03
-82.91%
0.16
+2664.28%
0.01
Other Properties
5.48
+0.61%
5.44
+0.16%
5.44
+0.00%
5.44
Leases
0.88
+1.59%
0.87
+0.00%
0.87
-0.72%
0.88
Goodwill And Other Intangible Assets
11.57
+0.00%
11.57
+0.00%
11.57
+0.00%
11.57
Goodwill
11.57
+0.00%
11.57
+0.00%
11.57
+0.00%
11.57
Investments And Advances
144.53
-9.50%
159.70
-16.26%
190.71
-1.15%
192.92
Total Liabilities Net Minority Interest
1,173.87
+2.00%
1,150.88
+13.91%
1,010.32
+3.00%
980.86
Payables And Accrued Expenses
—
—
—
10.62
Payables
—
—
—
10.62
Accounts Payable
—
—
—
10.62
Long Term Debt And Capital Lease Obligation
48.86
-42.84%
85.49
+26.67%
67.49
+375.70%
14.19
Long Term Debt
48.86
-42.84%
85.49
+26.67%
67.49
+375.70%
14.19
Stockholders Equity
113.69
+15.95%
98.05
+10.13%
89.03
+18.43%
75.18
Common Stock Equity
113.69
+17.75%
96.55
+10.30%
87.53
+18.80%
73.68
Capital Stock
14.71
-8.22%
16.02
+1.34%
15.81
+1.22%
15.62
Common Stock
14.71
+1.26%
14.52
+1.48%
14.31
+1.35%
14.12
Preferred Stock
0.00
-100.00%
1.50
+0.00%
1.50
+0.00%
1.50
Share Issued
5.88
+1.26%
5.81
+1.48%
5.72
+2.44%
5.59
Ordinary Shares Number
5.58
-0.29%
5.60
+1.54%
5.51
+2.53%
5.38
Treasury Shares Number
0.30
+42.47%
0.21
+0.00%
0.21
+0.00%
0.21
Additional Paid In Capital
40.08
+3.29%
38.80
+3.27%
37.57
+3.27%
36.38
Retained Earnings
73.02
+18.50%
61.62
+13.70%
54.20
+16.64%
46.46
Gains Losses Not Affecting Retained Earnings
-9.61
+39.08%
-15.78
+0.97%
-15.93
+22.92%
-20.67
Treasury Stock
4.51
+71.80%
2.62
+0.00%
2.62
+0.00%
2.62
Total Equity Gross Minority Interest
113.69
+15.95%
98.05
+10.13%
89.03
+18.43%
75.18
Total Capitalization
162.55
-11.43%
183.54
+17.26%
156.52
+75.15%
89.36
Invested Capital
162.55
-10.70%
182.04
+17.43%
155.02
+76.43%
87.86
Total Debt
48.86
-42.84%
85.49
+26.67%
67.49
+375.70%
14.19
Net Debt
37.06
-50.99%
75.61
+44.06%
52.49
+2685.54%
1.88
Net Tangible Assets
102.11
+18.08%
86.47
+11.64%
77.45
+21.78%
63.60
Tangible Book Value
102.11
+20.17%
84.97
+11.87%
75.95
+22.31%
62.10
Cash Cash Equivalents And Federal Funds Sold
130.99
+15.34%
113.57
+414.43%
22.08
-69.57%
72.55
Preferred Stock Equity
—
1.50
+0.00%
1.50
+0.00%
1.50
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
16.05
+1.77%
15.77
+5.62%
14.93
-5.11%
15.74
Cash Flow From Continuing Operating Activities
16.05
+1.77%
15.77
+5.62%
14.93
-5.11%
15.74
Net Income From Continuing Operations
16.97
+32.93%
12.76
-4.97%
13.43
-2.24%
13.74
Depreciation Amortization Depletion
1.05
+1.48%
1.03
-3.74%
1.07
-6.28%
1.14
Depreciation
1.05
+1.48%
1.03
-3.74%
1.07
-6.28%
1.14
Depreciation And Amortization
1.05
+1.48%
1.03
-3.74%
1.07
-6.28%
1.14
Other Non Cash Items
0.01
-86.87%
0.06
-62.20%
0.15
-73.39%
0.58
Deferred Tax
0.05
-86.23%
0.35
+194.32%
-0.37
-214.63%
-0.12
Deferred Income Tax
0.05
-86.23%
0.35
+194.32%
-0.37
-214.63%
-0.12
Operating Gains Losses
-1.92
-47.17%
-1.31
-9.67%
-1.19
-44.68%
-0.82
Gain Loss On Investment Securities
—
0.00
+100.00%
-0.04
0.00
Gain Loss On Sale Of PPE
0.01
+132.34%
0.00
-89.85%
0.03
0.00
Change In Working Capital
-2.35
-401.88%
0.78
+257.48%
-0.50
+22.39%
-0.64
Change In Receivables
-0.14
+39.96%
-0.23
+78.14%
-1.03
-26.87%
-0.81
Changes In Account Receivables
-0.14
+39.96%
-0.23
+78.14%
-1.03
-26.87%
-0.81
Change In Payables And Accrued Expense
-2.06
-271.42%
1.20
+75.52%
0.68
-12.67%
0.78
Change In Accrued Expense
-0.16
-11.72%
-0.14
-1115.93%
0.01
-94.68%
0.27
Change In Payable
-1.89
-240.96%
1.34
+100.86%
0.67
+29.98%
0.51
Change In Account Payable
-1.92
-245.02%
1.33
+31.58%
1.01
+6557.47%
0.02
Change In Other Working Capital
-0.08
+6.91%
-0.09
-7.99%
-0.08
+1.05%
-0.08
Change In Other Current Assets
-0.30
-723.34%
0.05
+147.39%
-0.10
-140.18%
0.25
Change In Other Current Liabilities
0.35
+538.83%
-0.08
-170.34%
0.11
+146.37%
-0.24
Investing Cash Flow
-16.20
+71.36%
-56.56
+38.58%
-92.09
+3.06%
-95.00
Cash Flow From Continuing Investing Activities
-16.20
+71.36%
-56.56
+38.58%
-92.09
+3.06%
-95.00
Capital Expenditure
-0.78
+1.39%
-0.79
-24.99%
-0.63
-2.91%
-0.62
Capital Expenditure Reported
-0.78
+1.39%
-0.79
-24.99%
-0.63
-2.91%
-0.62
Net Investment Purchase And Sale
22.94
-6.76%
24.61
+224.07%
7.59
+119.74%
-38.47
Purchase Of Investment
-14.97
-134.34%
-6.39
+29.89%
-9.11
+84.10%
-57.33
Sale Of Investment
37.91
+22.32%
31.00
+85.54%
16.71
-11.41%
18.86
Net Other Investing Changes
-0.30
-108.27%
3.67
+229.75%
-2.83
-207.92%
2.62
Financing Cash Flow
17.27
-86.85%
131.30
+396.27%
26.46
-33.93%
40.05
Cash Flow From Continuing Financing Activities
17.27
-86.85%
131.30
+396.27%
26.46
-33.93%
40.05
Net Issuance Payments Of Debt
-36.86
-307.39%
17.77
-66.52%
53.08
+25013.82%
-0.21
Issuance Of Debt
10.18
-66.08%
30.00
0.00
—
Repayment Of Debt
-5.23
-2207.15%
-0.23
+45.97%
-0.42
-97.07%
-0.21
Long Term Debt Issuance
10.18
-66.08%
30.00
0.00
—
Long Term Debt Payments
-5.23
-2207.15%
-0.23
+45.97%
-0.42
-97.07%
-0.21
Net Long Term Debt Issuance
4.94
-83.40%
29.77
+7191.26%
-0.42
-97.07%
-0.21
Short Term Debt Payments
—
—
—
—
Net Short Term Debt Issuance
-41.80
-248.33%
-12.00
-122.43%
53.50
0.00
Net Common Stock Issuance
-1.88
0.00
—
—
Common Stock Payments
-1.88
0.00
—
—
Common Stock Dividend Paid
-3.97
-6.87%
-3.71
-0.98%
-3.68
+1.01%
-3.71
Cash Dividends Paid
-4.06
-5.89%
-3.84
-1.08%
-3.80
-0.44%
-3.78
Repurchase Of Capital Stock
-3.38
0.00
—
—
Changes In Cash
17.12
-81.08%
90.51
+278.49%
-50.71
-29.29%
-39.22
Beginning Cash Position
110.94
+442.91%
20.43
-71.28%
71.14
-35.54%
110.36
End Cash Position
128.06
+15.43%
110.94
+442.91%
20.43
-71.28%
71.14
Free Cash Flow
15.27
+1.94%
14.98
+4.76%
14.30
-5.44%
15.12
Interest Paid Supplemental Data
21.93
+15.16%
19.04
+62.97%
11.68
+191.03%
4.01
Income Tax Paid Supplemental Data
2.51
+89.94%
1.32
-53.89%
2.87
+15.26%
2.49
Amortization Of Securities
0.85
+13.75%
0.75
+25.50%
0.60
+121.96%
0.27
Change In Income Tax Payable
0.03
+72.54%
0.02
+105.06%
-0.34
-167.90%
0.50
Change In Tax Payable
0.03
+72.54%
0.02
+105.06%
-0.34
-167.90%
0.50
Dividends Received CFI
—
0.00
-100.00%
1.00
0.00
Earnings Losses From Equity Investments
-1.78
-46.10%
-1.22
-18.13%
-1.03
-76.68%
-0.58
Net Preferred Stock Issuance
-1.50
0.00
—
—
Preferred Stock Dividend Paid
-0.10
+23.11%
-0.13
-3.88%
-0.12
-81.69%
-0.07
Preferred Stock Payments
-1.50
0.00
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
Published Title Author Category