How does CMTV's PE Ratio compare to its peers?

CMTV is good value based on its Price-To-Earnings Ratio (7.7x) compared to the peer average (9.2x).

How does CMTV's PE Ratio compare vs other companies in the US Banks Industry?

CMTV is good value based on its Price-To-Earnings Ratio (7.7x) compared to the US Banks industry average (13x).

What is CMTV's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate CMTV's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of CMTV when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

CMTV ($16.65) is trading below our estimate of [[fair value]] ($41.54)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

CMTV Stock Overview

Operates as the bank holding company for Community National Bank that provides financial services to individuals, businesses, nonprofit organizations, and municipalities in northern and central Vermont. More details

CMTV fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 59.9% below our estimate of its fair value

Pays a high and reliable dividend of 5.77%

Risk Analysis

Does not have a meaningful market cap ($93M)

My Notes

Capture your thoughts, links and company narrative

Community Bancorp Competitors

First Capital

NasdaqCM:FCAP

US$98.9m

Magyar Bancorp

NasdaqGM:MGYR

US$91.4m

CNB Bank Shares

OTCPK:CNBN

US$102.7m

Chesapeake Financial Shares

OTCPK:CPKF

US$89.1m

Price History & Performance

Summary of share price highs, lows and changes for Community Bancorp
Historical stock prices
Current Share Price	US$16.65
52 Week High	US$20.00
52 Week Low	US$14.31
Beta	0.31
1 Month Change	0.91%
3 Month Change	3.42%
1 Year Change	-4.31%
3 Year Change	-16.71%
5 Year Change	0.30%
Change since IPO	165.63%

Recent updates

Shareholder Returns

	CMTV	US Banks	US Market
7D	-0.6%	-2.1%	0.1%
1Y	-4.3%	31.3%	26.1%

Return vs Industry: CMTV underperformed the US Banks industry which returned 34.5% over the past year.

Return vs Market: CMTV underperformed the US Market which returned 27.3% over the past year.

Price Volatility

Is CMTV's price volatile compared to industry and market?
CMTV volatility
CMTV Average Weekly Movement	4.0%
Banks Industry Average Movement	5.0%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.7%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CMTV has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CMTV's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1851	124	Kathy Austin	www.communitybancorpvt.com

Community Bancorp. operates as the bank holding company for Community National Bank that provides financial services to individuals, businesses, nonprofit organizations, and municipalities in northern and central Vermont. It 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.

Community Bancorp Fundamentals Summary

How do Community Bancorp's earnings and revenue compare to its market cap?
CMTV fundamental statistics
Market cap	US$92.87m
Earnings (TTM)	US$12.07m
Revenue (TTM)	US$39.61m

7.7x

P/E Ratio

1.0x

P/B Ratio

Is CMTV overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CMTV income statement (TTM)
Revenue	US$39.61m
Cost of Revenue	US$0
Gross Profit	US$39.61m
Other Expenses	US$27.54m
Earnings	US$12.07m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.16
Gross Margin	100.00%
Net Profit Margin	30.48%
Debt/Equity Ratio	141.4%

How did CMTV perform over the long term?

See historical performance and comparison

Dividends

5.8%

Current Dividend Yield

43%

Payout Ratio

Does CMTV pay a reliable dividends?

See CMTV dividend history and benchmarks

When do you need to buy CMTV by to receive an upcoming dividend?
Community Bancorp dividend dates
Ex Dividend Date	Jan 15 2025
Dividend Pay Date	Feb 01 2025
Days until Ex dividend	28 days
Days until Dividend pay date	45 days

Does CMTV pay a reliable dividends?

See CMTV dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/18 04:24
End of Day Share Price	2024/12/16 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Community Bancorp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution