Community Bancorp. (CMTV) AI Stock Analysis

Community Bancorp. operates as the bank holding company for Community National Bank, delivering financial services to individuals, businesses, nonprofit organizations, and municipalities in northern and central Vermont. Its offerings include financing for commercial business properties, equipment, inventories, accounts receivable, and standby letters of credit, along with business checking, cash management, ACH and wire transfers, card processing, and remote deposit capture. The company also provides commercial real estate loans, residential real estate mortgages and home equity loans, retail credit such as automobile and boat loans, and municipal banking services for local governments, schools, and charities.

Community Bancorp. grew revenue from $40.2M in FY2021 to $68.8M in FY2025, reflecting a 5-year revenue CAGR of 12.1%. Net income reached $17.0M in FY2025, up from $12.8M in FY2024, with net margin improving to 24.7% from 21.4%. Operating margin was 29.7% in FY2025 before rising to 44.2% over the trailing twelve months, which generated $50.3M in revenue. For the latest quarter ended June 30, 2026, quarterly revenue grew 11.2% year-over-year while quarterly earnings expanded by 16.6%. Diluted EPS stood at $3.29 for the trailing twelve months, up from $3.01 in FY2025.

As of June 30, 2026, the company reported $147.76B in cash and short-term investments and $58.88B in total debt, yielding net cash of $88.87B. Shareholders' equity stood at $120.93B against total assets of $1.17T, with a debt-to-equity ratio of 0.49 and a current ratio of 0.15. In FY2025, operating cash flow was $16.0M and free cash flow was $15.3M. Cash deployment in FY2025 included $780,775 in capital expenditures, $3.4M in share buybacks, and $4.1M in dividends paid, while share count increased 4.5% over five years.

At a closing price of $41.44, Community Bancorp. trades at a trailing P/E of 12.6x and a forward P/E of 13.9x, both higher than the US-listed Financial Services median of 12.1x trailing and 10.8x forward. Its price-to-sales ratio is 4.6x compared to the peer median of 3.2x, while price-to-book stands at 1.8x. Over the past year, the stock returned 90.8%, outperforming the 16.8% return for the S&P 500 (SPY), and its 5-year return of 175.1% similarly outpaced SPY's 83.0% return.

Community Bancorp. pays a forward annual dividend of $1.04 per share, providing a 2.51% dividend yield with a payout ratio of 30.7%. The dividend is distributed quarterly and has been paid for 32 consecutive years. The annualized dividend growth rate over the past five years is 5.0%, and the last ex-dividend date was October 15, 2026.

The company has posted 4 EPS beats over the last 4 quarters. The next earnings report date is scheduled for November 13, 2026. Inside ownership stands at 11.5%, while institutional investors hold 26.3% of shares, and short interest represents 4.8% of the float.

This page is an AI-written research summary of Community Bancorp. (CMTV). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: CMTV income statement, CMTV balance sheet, CMTV key metrics, CMTV chart. See the CMTV stock overview for the latest quote and news.