Community Bancorp (CMTV) Stock

Community Bancorp (CMTV) is a Financials stock trading at $40.50 (as of 2026-07-24), with a market capitalization of $226.45M and a trailing P/E of 13.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

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. It provides various consumer banking products and services, including checking accounts, savings programs, ATMs, debit/credit cards, and night deposit facilities, as well as online, mobile, and telephone banking. The company's business banking products and services comprise credit products for various business purposes, including financing for commercial business properties, equipment, inventories, and accounts receivable, as well as letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, and remote deposit capture. It offers commercial real estate lending products for commercial developers and investors, residential builders and developers, and community development entities, which include credit products to facilitate the purchase of land and/or build structures for business, for investors to develop residential or commercial properties, and for real estate secured financing of existing businesses, as well as financing to startups and other small businesses. The company's residential real estate lending products include fixed-rate and adjustable rate residential mortgage and home equity loans; retail credit products include personal, automobile, and boat/recreational vehicle loans; and municipal and institutional banking products and services for state and local governments, schools, charities, membership, and not-for-profit associations comprise deposit accounts, tax-exempt loans, lines of credit, and term loans, as well as a collateralized secured deposit products. It operates through a main office in Derby; and eleven branch offices in northeastern and central Vermont. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.

Understand Community Bancorp: how it makes money

Community Bancorp is the bank holding company for Community National Bank, providing retail and business banking services such as checking and savings programs, ATMs, debit and credit cards, online mobile and telephone banking, and business credit products.

For banks like Community Bancorp, profitability is driven by how efficiently the bank runs operations and how much credit loss it absorbs, as reflected by the Efficiency Ratio and Net Loan Charge-offs as a Percentage of Average Loans.

Business quality (Strong): The dataset does not provide a clear reportable segment revenue breakdown, and the total revenue field is shown as 0.0B, so the company overview relies mainly on operating metrics.

Valuation: At 13× earnings, CMTV trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Healthy operating returns for the quarter: Return on Average Assets is 1.42 percent, and Return on Average Shareholders' Equity is 15.31 percent (both based on the latest-quarter dataset).
  • Cost control as measured by efficiency: The Efficiency Ratio is 57.4 percent, which is one of the key operating metrics investors often use to judge how much revenue is consumed by operating costs.

Bear case

  • Operating performance remains sensitive to costs: Higher operating costs can pressure profitability, and the Efficiency Ratio is 57.4 percent, making expense management an ongoing factor.
  • Credit outcomes can change quickly: Net Loan Charge-offs as a Percentage of Average Loans is 0.04 percent in the dataset, but credit losses can rise with economic conditions, affecting earnings.
Valuation — source: SEC EDGAR (first-party)
Price$40.50
Market Cap$226.45M
P/E Ratio13.6
EV / EBITDA7.4
Price / Book1.94
Price / Sales3.72
FCF Yield7.7%
DCF Value (model)$68.32
DCF Upside vs Price68.7%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$60.88M
Net Margin27.9%
Revenue Growth (YoY)16.1%
EPS Growth (YoY)13.7%
Valuation vs Sector & Industry
Stock P/E13.6
Sector P/E (Financials)15.4
Industry P/E (Banking)13.4
vs Sector-11.9%
vs Industry1.1%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderCommunity Financial Services Group, LLC ($27.25M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOChristopher L. Caldwell
Employees128
CountryUS
IPO Date1999-02-02

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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  • Virginia National Bankshares Corporation (VABK)
  • Meridian Corporation (MRBK)
  • National Bankshares, Inc. (NKSH)
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CMTV earnings history · CMTV institutional & insider holders · CMTV KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-24.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.