Community Bancorp. (CMTV) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Community Bancorp.

NasdaqCM•Financial Services•Banks - Regional

$39.96-1.32(-0.03%)Market closed

Market Cap

$232.69M

P/E

12.6x

P/S

3.2x

P/B

1.9x

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.

How this company scores

ExcellentMetricSide Score: 83/100

Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability25/25

Growth20/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsHigh ROERising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.6x5y range 6.1x – 12.6x

Currently above its 20-quarter median.

P/S · 3.2x5y range 1.5x – 3.2x

Currently above its 20-quarter median.

P/B · 1.9x5y range 0.9x – 1.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Leverage Risk

Watch

Debt-to-equity has risen 62.9% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $232.69M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $71.90M
Q. Revenue: $18.36M
TTM EBITDA: $23.81M
TTM Op. Income: $22.26M
Q. Op. Income: $5.67M
TTM Net Income: $18.44M
Q. Net Income: $4.69M
EPS: $0.84
Shares Out.: $5.59M

$71.90M in TTM revenue grew 9.4% YoY, reaching $18.36M last quarter. TTM EBITDA of $23.81M and TTM operating income of $22.26M show growth is flowing through to the bottom line. TTM net income of $18.44M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 73.9%
EBITDA Margin: 32.3%
Op. Margin: 30.9%
Net Margin: 25.5%

Op. margin of 30.9% is up 2.1% YoY — cost efficiency is improving. Net margin at 25.5% and gross margin of 73.9% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 7% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.6x
P/S Ratio: 3.2x
P/B Ratio: 1.9x

At 12.6x P/E, the stock trades below typical market levels. P/S of 3.2x and P/B of 1.9x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 6 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.17B
Cash: $25.61M
Long-Term Debt: $23.86M
Book Value: $120.89M
D/E Ratio: 0.2
Debt/EBITDA: 4.0

With $1.17B in assets and $23.86M in long-term debt, D/E is 0.2and book value is $120.89M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 63% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $5.31M
TTM Free Cash Flow: $19.77M
FCF Margin: 27.5%
FCF / Net Income: 1.1

TTM FCF of $19.77M on $5.31M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.