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Community Bancorp.

CMTV Financial Banks Regional

Community Bancorp.’s revenue for fiscal 2025 (year ended December 2025) was $68.8 million, up 10.6% from fiscal 2024.

Revenue
+8.55%
EPS
+16.7%
Free cash flow
+17.5%
Total debt
0.00%

Quarter to June 2026, against a year earlier

47.00 0.24 +0.51%
Market cap
$248.3M
P/E
14.3×
Fwd P/E
—
Dividend yield
2.69%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.51
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 2 6 3 2 — 1 — — — — 1
Sell — — — — — — — — — — — —
Insider Ownership 16.00%

Capital & Financial Ratios $m

Size
Market Cap 248.30
Revenue ttm 71.90
Net income ttm 18.44
Free cash flow ttm 20.13
Net debt Q (12.73)
Valuation
P/E 14.25
Forward P/E —
Price / sales 3.65
Forward P/S Powerpack
Price / FCF 13.03
Price / book 2.17
Financial health
Current ratio Q 0.95
Debt / equity Q 0.11
Interest coverage Q —
Growth
Revenue growth Q +8.55% (above 0%: growing)
Operating income growth Q +16.31% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +8.09%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 86.88%
10-year low 10-year high
P/S against its own 10 years 100.00%
10-year low 10-year high
P/B against its own 10 years 100.00%
10-year low 10-year high

Dividends raised 6 years running

Yield
2.69%
Annual rate
1.26
Payout ratio
38.3%
Growth, 2018–26
+7.25%/yr
  1. 0.72 ’18
  2. 0.76 ’19 +6
  3. 0.76 ’20 +0
  4. 0.85 ’21 +12
  5. 0.91 ’22 +7
  6. 0.92 ’23 +1
  7. 0.93 ’24 +1
  8. 0.97 ’25 +4
  9. 1.26 ’26 +30
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 20 111 128 26
Receivables — — — —
Inventory — — — —
Other — — — —
861 1,034 1,088 991
2023 2024 2025 Q'26
Payables 897 1,002 1,071 982
ST’ Debt — — — —
Other — — — —
997 1,138 1,161 1,039

Compound Annual Growth %

10y 5y 3y
Sales 9.19% 11.55% 16.28%
Cash Flow 11.12% 3.39% 0.66%
Earnings 13.40% 9.54% 7.29%
Book Value 8.26% 8.02% 14.78%

EPS $

Mar Jun Sep Dec Year
’26 0.78 0.84 — — —
’25 0.62 0.72 0.84 0.83 3.01
’24 0.51 0.49 0.55 0.73 2.28
’23 0.61 0.58 0.61 0.63 2.43
’22 0.44 0.56 0.66 0.87 2.54
’21 0.57 0.57 0.69 0.63 2.46
’20 0.35 0.54 0.54 0.60 2.04
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 18 18 — — —
’25 16 17 18 18 69
’24 14 15 16 17 62
’23 13 13 14 15 54
’22 10 10 11 13 44
’21 10 10 11 10 42
’20 9 10 10 11 40
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 4 5 — — —
’25 0 4 6 6 16
’24 2 5 5 5 16
’23 4 2 5 4 15
’22 3 4 5 5 16
’21 6 3 2 4 14
’20 1 6 2 5 14
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 4 5 — — —
’25 0 4 5 6 15
’24 1 4 5 5 15
’23 3 2 5 4 14
’22 3 3 4 5 15
’21 3 3 4 3 13
’20 1 6 2 4 14
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 30 32 35 38 40 42 44 54 62 69 72 +9.8% — — — —
Gross margin, % 90.93 90.42 87.29 83.71 87.83 92.48 90.79 76.53 67.24 70.92 72.41 (20.0) pt
EBT 7 9 10 11 13 16 17 16 15 20 22 +11.9%
EBT margin, % 24.90 28.54 28.72 28.15 32.65 38.82 38.57 30.19 24.45 29.66 30.95 +4.8 pt
Net income 5 6 8 9 11 13 14 13 13 17 18 +13.4%
Per share, $
Per share, $ Revenue 5.92 6.30 6.87 7.24 7.55 7.77 8.10 9.88 11.20 12.28 12.85 +8.4%
Earnings 1.09 1.23 1.64 1.68 2.04 2.46 2.54 2.43 2.28 3.01 3.29 +12.0%
Cash flow 1.85 1.59 1.98 2.16 2.58 2.63 2.91 2.73 2.84 2.86 3.72 +5.0%
Capex (0.05) (0.02) 0.05 (0.16) 0.11 (0.17) (0.11) (0.12) (0.09) (0.14) (0.12) +12.9%
Free cash flow 1.81 1.56 2.03 2.00 2.68 2.46 2.80 2.61 2.75 2.73 3.60 +4.7%
Book value 10.84 11.40 12.18 13.24 14.65 15.85 13.91 16.27 17.66 20.29 21.61 +7.2%
Shares, m 5 5 5 5 5 5 5 5 6 6 6 +1.2%
Valuation, ×
Valuation, × P/E 14.20 15.30 10.15 9.52 7.32 8.38 7.71 7.41 7.32 8.27 14.25 9.6
P/S 2.62 2.94 2.40 2.21 1.97 2.65 2.41 1.82 1.49 2.03 3.65 2.3
P/B 1.50 1.70 1.40 1.24 1.03 1.32 1.43 1.13 0.96 1.23 2.17 1.3
EV/Sales 2.07 2.02 0.84 1.26 (0.60) 0.30 1.08 1.68 (0.09) 0.35 — 0.9
EV/FCF 6.79 8.13 2.86 4.58 (1.68) 0.96 3.12 6.36 (0.35) 1.59 — 3.2
Cash, $m
Cash, $m Operating cash flow 9 8 10 11 14 14 16 15 16 16 21 +6.2%
Capex 0 0 0 (1) 1 (1) (1) (1) 0 (1) (1) +14.3%
Free cash flow 9 8 10 10 14 13 15 14 15 15 20 +6.0%
Balance, $m
Balance, $m Working capital (56) (52) (1) (4) (9) (126) (153) (137) (104) (73) (48) +3.0%
Net debt (16) (29) (55) (36) (102) (97) (58) (8) (98) (115) (13) +24.3%
Shareholders’ equity 54 58 63 69 77 85 75 89 98 114 121 +8.5%
Returns, %
Returns, % ROA 0.87 0.94 1.20 1.21 1.30 1.36 1.32 1.25 1.09 1.34 1.58 +0.5 pt
ROIC 12.12 20.01 83.84 19.97 0.00 0.00 62.32 12.52 0.00 0.00 12.86 (12.1) pt
ROE 10.70 11.42 14.30 13.79 15.03 16.52 17.51 16.66 13.87 16.14 16.34 +5.4 pt
People
People Employees 135 138 135 136 136 134 130 128 139 134 — (0.1%)
Revenue/emp, $m 0.22 0.23 0.26 0.28 0.29 0.31 0.34 0.42 0.45 0.51 — +9.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Community Bancorp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FBLA FB Bancorp, Inc. $268.4M — (loss-making) — +8.80% (above 0%: growing) n/m +669.02% (above 0%: growing) 74.66% 0.00% Compare
HWBK Hawthorn Bancshares, Inc. $268.4M 10.6× 10.0× +9.30% (above 0%: growing) +20.45% (above 0%: growing) +123.49% (above 0%: growing) 76.36% 0.00% Compare
RMBI Richmond Mutual Bancorporation, Inc. $262.8M 12.5× 16.7× +4.69% (above 0%: growing) −14.81% (below 0%: shrinking) −35.05% (below 0%: shrinking) 58.15% 0.00% Compare
NKSH National Bankshares, Inc. $251.1M 12.4× 11.4× +6.17% (above 0%: growing) +119.44% (above 0%: growing) +118.57% (above 0%: growing) 71.02% 0.00% Compare
CMTV Community Bancorp. $248.3M 14.3× — +8.55% (above 0%: growing) +16.67% (above 0%: growing) +17.48% (above 0%: growing) 73.88% 0.00%
EFSI Eagle Financial Services Inc. $245.4M 13.2× 14.4× +10.87% (above 0%: growing) −6.12% (below 0%: shrinking) −435.67% (below 0%: shrinking) 77.54% 0.00% Compare
PEBK Peoples Bancorp of North Carolina, Inc. $236.0M 9.9× 11.8× +1.75% (above 0%: growing) +53.76% (above 0%: growing) +91.79% (above 0%: growing) 80.53% 0.00% Compare
CFBK CF Bankshares Inc. $234.1M 10.0× 9.8× −0.67% (below 0%: shrinking) +155.56% (above 0%: growing) +60.95% (above 0%: growing) 52.42% 0.00% Compare
CZWI Citizens Community Bancorp, Inc. $227.4M 17.8× 14.8× −2.75% (below 0%: shrinking) −66.67% (below 0%: shrinking) +1,134.94% (above 0%: growing) 65.38% 0.00% Compare
Median of peers $248.3M 12.4× 11.8× +5.43% +20.45% +105.18% 72.84% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 641.47k 641.47k 146.00
2024 597.13k 597.13k 99.00
2023 602.12k 602.12k 97.00

Ownership

Directors and executive officers, together 6.59%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Community Bancorp. (CMTV) Latest News

29 Oct

Impact 3 · · Zacks

28 Oct

Impact 3 · · Simply Wall St.

27 Oct

Impact 4 · · ACCESS Newswire

16 Oct

Impact 3 · · Business Wire

28 Jul

Impact 3 ·

29 Jun

Impact 3 ·

24 Apr

Impact 4 · · Zacks

21 Apr

Impact 3 ·

10 Apr

Impact 3 · · Business Wire

3 Feb

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

2 Feb

Impact 4 · · Simply Wall St.
Impact 3 · · Business Wire

29 Jan

Impact 4 · · ACCESS Newswire
Impact 4 · · Zacks

27 Jan

Impact 4 · · ACCESS Newswire

23 Jan

Impact 4 · · Business Wire

8 Jan

Impact 4 ·

12 Dec

Impact 3 · · Business WireAssociated Press FinanceMT NewswiresZacksAssociated Press FinanceSimply Wall St.

23 Oct

Impact 4 · · Zacks

21 Oct

Impact 4 · · ACCESS Newswire

10 Oct

Impact 4 · · Business Wire

29 Sep

Impact 3 · · Business Wire

19 Sep

Impact 3 · · GlobeNewswire

12 Sep

Impact 3 · · Business Wire

9 Sep

Impact 4 · · ZacksZacksSimply Wall St.StockStoryZacksZacksZacks
stockrow.com/CMTV · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com