OTCPK:CMTV

Stock Analysis Report

Executive Summary

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.

Snowflake

Fundamentals

Excellent balance sheet average dividend payer.

Risks

  • Community Bancorp is not covered by any analysts.

Share Price & News

How has Community Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.3%

OTCPK:CMTV

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-13.6%

OTCPK:CMTV

-16.1%

US Banks

-3.0%

US Market

CMTV outperformed the Banks industry which returned -16.1% over the past year.

CMTV underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

CMTVIndustryMarket
7 Day-1.3%-1.8%-1.6%
30 Day-3.0%-10.1%-5.7%
90 Day-4.0%-5.0%0.2%
1 Year-9.5%-13.6%-13.7%-16.1%-0.8%-3.0%
3 Year30.8%15.4%37.9%28.5%38.1%29.1%
5 Year37.4%10.7%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Community Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Community Bancorp undervalued based on future cash flows and its price relative to the stock market?

2%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Community Bancorp's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Community Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Community Bancorp is good value based on earnings compared to the US Banks industry average.

Community Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Community Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Community Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Community Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-1.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Community Bancorp is high growth as no revenue estimate data is available.

Community Bancorp's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare Community Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Community Bancorp's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Community Bancorp's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Community Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Community Bancorp performed over the past 5 years?

12.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Community Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Community Bancorp's 1-year earnings growth exceeds its 5-year average (18.2% vs 12.1%)

Community Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (18.2% vs 33.1%).


Return on Equity

Community Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Community Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Community Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Community Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Community Bancorp has an acceptable proportion of non-loan assets held.

Community Bancorp has a low allowance for bad loans.

Community Bancorp's liabilities are made up of primarily low risk sources of funding.

Community Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Community Bancorp are broadly funded by customer deposits.

Community Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Community Bancorp's current dividend yield, its reliability and sustainability?

4.75%

Current Dividend Yield


Dividend Yield and Payments Analysis

Community Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Community Bancorp's dividend is above the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.2x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Community Bancorp's salary, the management and board of directors tenure and is there insider trading?

9.8yrs

Average management tenure


CEO

Kathy Austin (62yo)

2.6yrs

Tenure

US$437,293

Compensation

Ms. Kathryn M. Austin, also known as Kathy, has been the Chief Executive Officer of Community Bancorp and Community National Bank since January 11, 2017. Ms. Austin has been the President of Community Banc ...


CEO Compensation Analysis

Kathy's remuneration is about average for companies of similar size in United States of America.

Kathy's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

9.8yrs

Average Tenure

58yo

Average Age

The average tenure for the Community Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

10.3yrs

Average Tenure

71yo

Average Age

The average tenure for the Community Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$63,58115 Feb 19
Rosemary Lalime
EntityIndividual
Role
Lead Director
Lead Independent Director
Shares3,795.86
Max PriceUS$16.75
BuyUS$11,41715 Jan 19
Jacques Couture
EntityIndividual
Role
Member of the Board of Directors
Director
Shares700
Max PriceUS$16.31
BuyUS$3,30002 Jan 19
Jacques Couture
EntityIndividual
Role
Member of the Board of Directors
Director
Shares200
Max PriceUS$16.50
BuyUS$1,65028 Dec 18
Jacques Couture
EntityIndividual
Role
Member of the Board of Directors
Director
Shares100
Max PriceUS$16.50
BuyUS$8,50028 Nov 18
Jeffrey Moore
EntityIndividual
Shares500
Max PriceUS$17.00

Ownership Breakdown


Management Team

  • Louise Bonvechio (58yo)

    Corporate Secretary & Treasurer

    • Tenure: 11.6yrs
    • Compensation: US$273.76k
  • Kathy Austin (62yo)

    President

    • Tenure: 2.6yrs
    • Compensation: US$437.29k
  • Candy Patenaude (56yo)

    Principal Accounting Officer

    • Tenure: 9.1yrs
  • Kimico Perry

    Human Resources Officer

    • Tenure: 10.6yrs
  • Tracy Roberts

    Vice President and Marketing Director

    • Tenure: 0.0yrs
  • Melissa Tinker

    Assistant Corporate Secretary

    • Tenure: 0.0yrs
  • Patricia Blackmore

    • Tenure: 0.0yrs

Board Members

  • Tom Adams (72yo)

    Director

    • Tenure: 33.6yrs
    • Compensation: US$27.70k
  • Jacques Couture (68yo)

    Director

    • Tenure: 27.6yrs
    • Compensation: US$29.50k
  • Rosemary Lalime (72yo)

    Lead Independent Director

    • Tenure: 0.0yrs
    • Compensation: US$28.95k
  • Minty Conant (65yo)

    Director

    • Tenure: 13.3yrs
    • Compensation: US$30.65k
  • Dodie Mitchell (74yo)

    Director

    • Tenure: 13.3yrs
    • Compensation: US$32.28k
  • Kathy Austin (62yo)

    President

    • Tenure: 2.6yrs
    • Compensation: US$437.29k
  • Fred Oeschger (72yo)

    Director

    • Tenure: 10.3yrs
    • Compensation: US$30.42k
  • Jake Wheeler (70yo)

    Director

    • Tenure: 8.6yrs
    • Compensation: US$32.26k
  • Steve Marsh (71yo)

    Chairman and Chairman of Community National Bank

    • Tenure: 8.6yrs
    • Compensation: US$514.57k
  • Steve Marsh (71yo)

    Chairman of the Board

    • Tenure: 8.6yrs
    • Compensation: US$29.35k

Company Information

Community Bancorp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Community Bancorp
  • Ticker: CMTV
  • Exchange: OTCPK
  • Founded: 1851
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$83.261m
  • Shares outstanding: 5.21m
  • Website: https://www.communitynationalbank.com/community-bancorp

Number of Employees


Location

  • Community Bancorp
  • 4811 US Route 5
  • Derby
  • Vermont
  • 5829
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CMTVOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDNov 1994

Biography

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. T ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:33
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.