Community Bancorp
Market Cap
US$83.3m
Last Updated
2019/08/24 23:33 UTC
Data Sources
Company Financials
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
| CMTV | Industry | Market | |
|---|---|---|---|
| 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 Year | 30.8%15.4% | 37.9%28.5% | 38.1%29.1% |
| 5 Year | 37.4%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
| Entity | Individual |
| Role | Lead Director Lead Independent Director |
| Shares | 3,795.86 |
| Max Price | US$16.75 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 700 |
| Max Price | US$16.31 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 200 |
| Max Price | US$16.50 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 100 |
| Max Price | US$16.50 |
| Entity | Individual |
| Shares | 500 |
| Max Price | US$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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CMTV | OTCPK (Pink Sheets LLC) | Yes | Common Shares | US | USD | Nov 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/24 23:33 |
| End of Day Share Price | 2019/08/23 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.