📊 CMTV Key Takeaways
Is Community Bancorp /Vt (CMTV) a Good Investment?
Community Bancorp demonstrates solid profitability with 27.5% net margins and strong revenue growth of 58.8% YoY, supported by healthy free cash flow of 9.2M. However, weak interest coverage of 1.0x and marginal ROA of 1.0% raise concerns about operational efficiency and earnings quality relative to asset base, which is concerning for a bank.
COMMUNITY BANCORP /VT shows solid core fundamentals with healthy profitability, positive free cash flow, and conservative leverage, supported by a 1.0% ROA and 11.0% ROE that are respectable for a community bank. However, the quality of recent growth is mixed: revenue rose sharply, but net income increased only 1.0%, suggesting weaker operating leverage and possible pressure from funding costs, credit costs, or expense growth.
Community Bancorp /Vt Key Strengths (CMTV)
- Strong revenue growth of 58.8% YoY indicating solid business expansion
- Excellent net profit margin of 27.5% showing operational efficiency
- Conservative capital structure with low debt-to-equity ratio of 0.05x
- Positive free cash flow generation of 9.2M with 20.4% FCF margin
- Adequate liquidity with 60.9M in cash equivalents
- Healthy profitability profile with 33.1% operating margin and 27.5% net margin
- Sound balance sheet with low long-term debt and a very modest 0.05x debt-to-equity ratio
- Positive operating cash flow and free cash flow, indicating earnings are backed by cash generation
CMTV Stock Risks: Community Bancorp /Vt Investment Risks
- Critically weak interest coverage ratio of 1.0x indicating minimal cushion for debt servicing
- Very low return on assets of 1.0% suggests inefficient asset utilization typical of banking sector challenges
- Marginal ROE of 11.0% is below industry benchmarks for healthy banks
- Net income growth of only 1.0% YoY significantly lags revenue growth, indicating margin compression or cost pressures
- High insider activity with 13 Form 4 filings in 90 days requires monitoring for potential concerns
- Revenue growth is not translating efficiently into bottom-line growth, with net income up only 1.0% year over year
- Bank profitability could be vulnerable to margin compression if deposit costs or credit costs continue rising
- ROA and ROE are solid but not strong enough to clearly offset the risk of slowing earnings momentum
Key Metrics to Watch
- Net Interest Margin trend and yield curve sensitivity
- Loan loss provisions and non-performing loan ratios
- Deposit growth and customer acquisition trends
- Interest coverage improvement trajectory
- ROA and ROE progression toward industry averages
- Operating efficiency ratio and cost-to-income trends
- Net interest margin and efficiency ratio
- Provision for credit losses and nonperforming assets
Community Bancorp /Vt (CMTV) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 20.4% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CMTV Profit Margin, ROE & Profitability Analysis
CMTV vs Finance Sector: How Community Bancorp /Vt Compares
How Community Bancorp /Vt compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Community Bancorp /Vt Stock Overvalued? CMTV Valuation Analysis 2026
Based on fundamental analysis, Community Bancorp /Vt has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Community Bancorp /Vt Balance Sheet: CMTV Debt, Cash & Liquidity
CMTV Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Community Bancorp /Vt's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.28 reflects profitable operations.
CMTV Revenue Growth, EPS Growth & YoY Performance
Community Bancorp /Vt Dividends, Buybacks & Capital Allocation
CMTV SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Community Bancorp /Vt (CIK: 0000718413)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CMTV
What is the AI rating for CMTV?
Community Bancorp /Vt (CMTV) has a Combined AI Grade of B from Claude (B) and ChatGPT (B) with 68% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CMTV's key strengths?
Claude: Strong revenue growth of 58.8% YoY indicating solid business expansion. Excellent net profit margin of 27.5% showing operational efficiency. ChatGPT: Healthy profitability profile with 33.1% operating margin and 27.5% net margin. Sound balance sheet with low long-term debt and a very modest 0.05x debt-to-equity ratio.
What are the risks of investing in CMTV?
Claude: Critically weak interest coverage ratio of 1.0x indicating minimal cushion for debt servicing. Very low return on assets of 1.0% suggests inefficient asset utilization typical of banking sector challenges. ChatGPT: Revenue growth is not translating efficiently into bottom-line growth, with net income up only 1.0% year over year. Bank profitability could be vulnerable to margin compression if deposit costs or credit costs continue rising.
What is CMTV's revenue and growth?
Community Bancorp /Vt reported revenue of $44.8M.
Does CMTV pay dividends?
Community Bancorp /Vt pays dividends, with $2.9M distributed to shareholders in the trailing twelve months.
Where can I find CMTV SEC filings?
Official SEC filings for Community Bancorp /Vt (CIK: 0000718413) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CMTV's EPS?
Community Bancorp /Vt has a diluted EPS of $2.18.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is CMTV's fundamental grade?
Based on our AI fundamental analysis in June 2026, Community Bancorp /Vt has a B grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CMTV stock overvalued or undervalued?
Valuation metrics for CMTV: ROE of 11.0% (sector avg: 12%), net margin of 27.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is CMTV's AI grade for 2026?
Our dual AI analysis gives Community Bancorp /Vt a combined B grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is CMTV's free cash flow?
Community Bancorp /Vt's operating cash flow is $10.4M, with capital expenditures of $1.2M. FCF margin is 20.4%.
How does CMTV compare to other Finance stocks?
Vs Finance sector averages: Net margin 27.5% (avg: 25%), ROE 11.0% (avg: 12%), current ratio N/A (avg: 1.2).