COMMUNITY BANCORP INC/VT (CMTV) Fundamental Analysis & Valuation

NASDAQ:CMTV • US20343A1016

Current stock price

42.39 USD
+1.43 (+3.49%)
At close:
42.388 USD
0 (0%)
After Hours:

This CMTV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. CMTV Profitability Analysis

1.1 Basic Checks

  • In the past year CMTV was profitable.
  • CMTV had a positive operating cash flow in the past year.
  • In the past 5 years CMTV has always been profitable.
  • CMTV had a positive operating cash flow in each of the past 5 years.
CMTV Yearly Net Income VS EBIT VS OCF VS FCFCMTV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.33%, CMTV belongs to the top of the industry, outperforming 81.63% of the companies in the same industry.
  • CMTV's Return On Equity of 14.58% is amongst the best of the industry. CMTV outperforms 91.08% of its industry peers.
Industry RankSector Rank
ROA 1.33%
ROE 14.58%
ROIC N/A
ROA(3y)1.17%
ROA(5y)1.19%
ROE(3y)15.34%
ROE(5y)15.06%
ROIC(3y)N/A
ROIC(5y)N/A
CMTV Yearly ROA, ROE, ROICCMTV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With an excellent Profit Margin value of 34.82%, CMTV belongs to the best of the industry, outperforming 90.03% of the companies in the same industry.
  • CMTV's Profit Margin has improved in the last couple of years.
  • CMTV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 34.82%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.93%
PM growth 5Y1.77%
GM growth 3YN/A
GM growth 5YN/A
CMTV Yearly Profit, Operating, Gross MarginsCMTV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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0

2. CMTV Health Analysis

2.1 Basic Checks

  • CMTV does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CMTV has more shares outstanding than it did 1 year ago.
  • CMTV has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for CMTV is higher compared to a year ago.
CMTV Yearly Shares OutstandingCMTV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
CMTV Yearly Total Debt VS Total AssetsCMTV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • CMTV has a debt to FCF ratio of 4.26. This is a neutral value as CMTV would need 4.26 years to pay back of all of its debts.
  • CMTV has a worse Debt to FCF ratio (4.26) than 66.40% of its industry peers.
  • CMTV has a Debt/Equity ratio of 0.54. This is a neutral value indicating CMTV is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.54, CMTV is doing worse than 77.95% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.54
Debt/FCF 4.26
Altman-Z N/A
ROIC/WACCN/A
WACC10.43%
CMTV Yearly LT Debt VS Equity VS FCFCMTV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CMTV Yearly Current Assets VS Current LiabilitesCMTV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. CMTV Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 33.42% over the past year.
  • Measured over the past 5 years, CMTV shows a small growth in Earnings Per Share. The EPS has been growing by 6.26% on average per year.
  • CMTV shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.21%.
  • CMTV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.78% yearly.
EPS 1Y (TTM)33.42%
EPS 3Y-2.43%
EPS 5Y6.26%
EPS Q2Q%51.91%
Revenue 1Y (TTM)13.21%
Revenue growth 3Y2.88%
Revenue growth 5Y5.78%
Sales Q2Q%18.16%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CMTV Yearly Revenue VS EstimatesCMTV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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1

4. CMTV Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.57, which indicates a correct valuation of CMTV.
  • Based on the Price/Earnings ratio, CMTV is valued a bit more expensive than the industry average as 74.28% of the companies are valued more cheaply.
  • CMTV is valuated rather cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.57
Fwd PE N/A
CMTV Price Earnings VS Forward Price EarningsCMTV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • CMTV's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CMTV is more expensive than 69.55% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.76
EV/EBITDA N/A
CMTV Per share dataCMTV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.33
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. CMTV Dividend Analysis

5.1 Amount

  • CMTV has a Yearly Dividend Yield of 2.44%. Purely for dividend investing, there may be better candidates out there.
  • CMTV's Dividend Yield is comparable with the industry average which is at 2.80.
  • Compared to an average S&P500 Dividend Yield of 1.89, CMTV pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.44%

5.2 History

  • The dividend of CMTV has a limited annual growth rate of 4.22%.
  • CMTV has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)4.22%
Div Incr YearsN/A
Div Non Decr YearsN/A
CMTV Yearly Dividends per shareCMTV Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • CMTV pays out 24.65% of its income as dividend. This is a sustainable payout ratio.
  • CMTV's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP24.65%
EPS Next 2YN/A
EPS Next 3YN/A
CMTV Yearly Income VS Free CF VS DividendCMTV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
CMTV Dividend Payout.CMTV Dividend Payout, showing the Payout Ratio.CMTV Dividend Payout.PayoutRetained Earnings

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CMTV Fundamentals: All Metrics, Ratios and Statistics

COMMUNITY BANCORP INC/VT

NASDAQ:CMTV (3/20/2026, 8:00:01 PM)

After market: 42.388 0 (0%)

42.39

+1.43 (+3.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners1.1%
Inst Owner ChangeN/A
Ins Owners11.82%
Ins Owner Change3.55%
Market Cap236.54M
Revenue(TTM)46.86M
Net Income(TTM)16.32M
AnalystsN/A
Price TargetN/A
Short Float %0.1%
Short Ratio1.21
Dividend
Industry RankSector Rank
Dividend Yield 2.44%
Yearly Dividend0.69
Dividend Growth(5Y)4.22%
DP24.65%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date01-15
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.57
Fwd PE N/A
P/S 5.05
P/FCF 16.76
P/OCF 15.51
P/B 2.11
P/tB 2.37
EV/EBITDA N/A
EPS(TTM)2.91
EY6.86%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.53
FCFY5.97%
OCF(TTM)2.73
OCFY6.45%
SpS8.4
BVpS20.05
TBVpS17.86
PEG (NY)N/A
PEG (5Y)2.33
Graham Number36.23
Profitability
Industry RankSector Rank
ROA 1.33%
ROE 14.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.82%
GM N/A
FCFM 30.13%
ROA(3y)1.17%
ROA(5y)1.19%
ROE(3y)15.34%
ROE(5y)15.06%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.93%
PM growth 5Y1.77%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.54
Debt/FCF 4.26
Debt/EBITDA N/A
Cap/Depr 109.96%
Cap/Sales 2.42%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 86.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC10.43%
ROIC/WACCN/A
Cap/Depr(3y)63.49%
Cap/Depr(5y)64.57%
Cap/Sales(3y)1.66%
Cap/Sales(5y)1.72%
Profit Quality(3y)112.17%
Profit Quality(5y)111.92%
High Growth Momentum
Growth
EPS 1Y (TTM)33.42%
EPS 3Y-2.43%
EPS 5Y6.26%
EPS Q2Q%51.91%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.21%
Revenue growth 3Y2.88%
Revenue growth 5Y5.78%
Sales Q2Q%18.16%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.29%
FCF growth 3Y4.46%
FCF growth 5Y7.78%
OCF growth 1Y-1.54%
OCF growth 3Y3.95%
OCF growth 5Y6.99%

COMMUNITY BANCORP INC/VT / CMTV Fundamental Analysis FAQ

What is the fundamental rating for CMTV stock?

ChartMill assigns a fundamental rating of 3 / 10 to CMTV.


What is the valuation status of COMMUNITY BANCORP INC/VT (CMTV) stock?

ChartMill assigns a valuation rating of 1 / 10 to COMMUNITY BANCORP INC/VT (CMTV). This can be considered as Overvalued.


What is the profitability of CMTV stock?

COMMUNITY BANCORP INC/VT (CMTV) has a profitability rating of 5 / 10.


Can you provide the financial health for CMTV stock?

The financial health rating of COMMUNITY BANCORP INC/VT (CMTV) is 0 / 10.


How sustainable is the dividend of COMMUNITY BANCORP INC/VT (CMTV) stock?

The dividend rating of COMMUNITY BANCORP INC/VT (CMTV) is 5 / 10 and the dividend payout ratio is 24.65%.