OTCPK:CMTV

Stock Analysis Report

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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. More Details


Snowflake Analysis

Flawless balance sheet with solid track record and pays a dividend.

Share Price & News

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


Latest Share Price and Events

Stable Share Price: CMTV is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: CMTV's weekly volatility (6%) has been stable over the past year.


Market Performance


7 Day Return

-2.1%

CMTV

-3.2%

US Banks

2.6%

US Market


1 Year Return

-8.9%

CMTV

-6.1%

US Banks

26.0%

US Market

Return vs Industry: CMTV underperformed the US Banks industry which returned -6.1% over the past year.

Return vs Market: CMTV underperformed the US Market which returned 26% over the past year.


Shareholder returns

CMTVIndustryMarket
7 Day-2.1%-3.2%2.6%
30 Day-1.3%6.4%5.1%
90 Day5.7%35.3%17.1%
1 Year-3.8%-8.9%-2.6%-6.1%28.9%26.0%
3 Year-2.4%-15.6%-3.0%-11.3%46.3%36.6%
5 Year39.6%11.3%77.3%54.9%126.9%101.6%

Long-Term 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 compared to its fair value and its price relative to the market?

43.0%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: CMTV ($14.8) is trading below our estimate of fair value ($25.95)

Significantly Below Fair Value: CMTV is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: CMTV is good value based on its PE Ratio (7.9x) compared to the US Banks industry average (12.2x).

PE vs Market: CMTV is good value based on its PE Ratio (7.9x) compared to the US market (21.3x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CMTV's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CMTV's PB Ratio (1.1x) is in line with the US Banks industry average.


Next Steps

Future Growth

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

13.2%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Community Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Examine whether Community Bancorp is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Community Bancorp's filings and announcementshere.
  • Explore growth companies in the Banks industry.

Past Performance

How has Community Bancorp performed over the past 5 years?

15.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CMTV has high quality earnings.

Growing Profit Margin: CMTV's current net profit margins (31%) are higher than last year (27.8%).


Past Earnings Growth Analysis

Earnings Trend: CMTV's earnings have grown by 15.4% per year over the past 5 years.

Accelerating Growth: CMTV's earnings growth over the past year (16.4%) exceeds its 5-year average (15.4% per year).

Earnings vs Industry: CMTV earnings growth over the past year (16.4%) exceeded the Banks industry -3%.


Return on Equity

High ROE: CMTV's Return on Equity (13.3%) is considered low.


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


Financial Institutions Analysis

Asset Level: CMTV's Assets to Equity ratio (11.6x) is moderate.

Allowance for Bad Loans: CMTV has a sufficient allowance for bad loans (125%).

Low Risk Liabilities: 94% of CMTV's liabilities are made up of primarily low risk sources of funding.

Loan Level: CMTV has an appropriate level of Loans to Assets ratio (84%).

Low Risk Deposits: CMTV's Loans to Deposits ratio (98%) is appropriate.

Level of Bad Loans: CMTV has an appropriate level of bad loans (0.7%).


Next Steps

Dividend

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

5.14%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: CMTV's dividend (5.14%) is higher than the bottom 25% of dividend payers in the US market (1.38%).

High Dividend: CMTV's dividend (5.14%) is in the top 25% of dividend payers in the US market (3.85%)


Stability and Growth of Payments

Stable Dividend: CMTV's dividends per share have been stable in the past 10 years.

Growing Dividend: CMTV's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (40.4%), CMTV's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

12.0yrs

Average management tenure


CEO

Kathy Austin (63 yo)

4yrs

Tenure

US$459,843

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

Compensation vs Market: Kathy's total compensation ($USD459.84K) is about average for companies of similar size in the US market ($USD528.62K).

Compensation vs Earnings: Kathy's compensation has been consistent with company performance over the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Kathryn Austin
President4yrsUS$459.84k1.11%
$ 874.0k
Louise Bonvechio
Corporate Secretary & Treasurer13yrsUS$285.42k0.14%
$ 105.9k
Candace Patenaude
Principal Accounting Officerno datano data0.21%
$ 165.8k
Tracy Roberts
Vice President and Marketing Directorno datano datano data
Kimico Perry
Human Resources Officer12yrsno datano data
Patricia Blackmore
no datano datano data
Melissa Tinker
Assistant Corporate Secretaryno datano datano data

12.0yrs

Average Tenure

59yo

Average Age

Experienced Management: CMTV's management team is seasoned and experienced (12 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Kathryn Austin
President4yrsUS$459.84k1.11%
$ 874.0k
Thomas Adams
Independent Director35yrsUS$29.45k0.52%
$ 410.5k
Jacques Couture
Director29yrsUS$29.45k1.06%
$ 832.3k
Rosemary Lalime
Lead Independent Directorno dataUS$29.95k1.19%
$ 931.6k
Aminta Conant
Independent Director14.67yrsUS$27.80k0.045%
$ 35.6k
Dorothy Mitchell
Independent Director14.67yrsUS$30.50k0.13%
$ 100.7k
Fredric Oeschger
Independent Director11.67yrsUS$30.00k1.86%
$ 1.5m
James Wheeler
Independent Director10yrsUS$28.85k0.033%
$ 26.2k
David Bouffard
Independent Director6.33yrsUS$29.45k0.023%
$ 18.1k
David Laforce
Independent Director3yrsUS$30.50k0.0076%
$ 5.9k
Stephen Marsh
Independent Chairman of the Board10yrsUS$31.10k2.23%
$ 1.7m
Jeffrey Moore
Independent Director2yrsUS$30.00k0.041%
$ 32.2k

10.0yrs

Average Tenure

70yo

Average Age

Experienced Board: CMTV's board of directors are seasoned and experienced ( 10 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: CMTV insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

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


Key Information


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. I...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/01/26 00:48
End of Day Share Price2021/01/22 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.