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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. In the quarter to June 2026, revenue grew 8.55%, EPS grew 16.7%, free cash flow grew 17.5% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten; insiders bought in the last twelve months.

41.44 0.40 −0.96%
Market cap
$234.3M
P/E
12.6×
Fwd P/E
—
Dividend yield
3.04%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.49
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — 2 6 3 2 — 1 — — — —
Sell — — — — — — — — — — — —
Insider Ownership 11.35%

Capital & Financial Ratios $m

Market Cap 234.34
Revenue 71.90
Net Income 18.44
Free Cash Flow 20.13
Net Debt (12.73)
Current Ratio 0.95
Debt/Equity 0.11
P/E ratio 12.60
Fwd P/E —
P/S ratio 3.22
P/B ratio 1.92
Past 5Y EPS Growth 8.09%
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 73.76%
10-year low 10-year high
P/S against its own 10 years 98.89%
10-year low 10-year high
P/B against its own 10 years 98.60%
10-year low 10-year high

Dividends

Payout Ratio 0.38
Annual Dividend Rate 1.26
Annual Dividend Yield 3.04%
total individual payouts
2026 1.26
0.25
0.25
0.25
0.25
0.26
2025 0.97
0.24
0.24
0.24
0.25
2024 0.93
0.23
0.23
0.23
0.24
2023 0.92
0.23
0.23
0.23
0.23
2022 0.91
0.22
0.23
0.23
0.23
2021 0.85
0.19
0.22
0.22
0.22
2020 0.76
0.19
0.19
0.19
0.19
2019 0.76
0.19
0.19
0.19
0.19
2018 0.72
0.17
0.17
0.19
0.19
2017 0.67
0.16
0.17
0.17
0.17
2016 0.64
0.16
0.16
0.16
0.16
special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 13.15 15.00 16.00 15.07 9.55 14.50 17.33 15.64 14.31 16.57

Analyst estimates 2026–2028

Powerpack
High 16.00 20.45 19.39 17.95 16.39 22.90 25.00 22.95 20.00 25.80
People
People Employees 135 138 135 136 136 134 130 128 139 134
Revenue/emp, $m 0.22 0.23 0.26 0.28 0.29 0.31 0.34 0.42 0.45 0.51
Income, $m
Income, $m Revenue 30 32 35 38 40 42 44 54 62 69
Gross margin, % 90.93 90.42 87.29 83.71 87.83 92.48 90.79 76.53 67.24 70.92
EBT 7 9 10 11 13 16 17 16 15 20
EBT margin, % 24.90 28.54 28.72 28.15 32.65 38.82 38.57 30.19 24.45 29.66
Net income 5 6 8 9 11 13 14 13 13 17
Depreciation 2 2 2 1 1 2 2 2 2 2
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
Earnings 1.09 1.23 1.64 1.68 2.04 2.46 2.54 2.43 2.28 3.01
Cash flow 1.85 1.59 1.98 2.16 2.58 2.63 2.91 2.73 2.84 2.86
Capex (0.05) (0.02) 0.05 (0.16) 0.11 (0.17) (0.11) (0.12) (0.09) (0.14)
Free cash flow 1.81 1.56 2.03 2.00 2.68 2.46 2.80 2.61 2.75 2.73
Book value 10.84 11.40 12.18 13.24 14.65 15.85 13.91 16.27 17.66 20.29
Shares, m 5 5 5 5 5 5 5 5 6 6
Valuation, ×
Valuation, × P/E 14.20 15.30 10.15 9.52 7.32 8.38 7.71 7.41 7.32 8.27
P/S 2.62 2.94 2.40 2.21 1.97 2.65 2.41 1.82 1.49 2.03
P/B 1.50 1.70 1.40 1.24 1.03 1.32 1.43 1.13 0.96 1.23
EV/Sales 2.07 2.02 0.84 1.26 (0.60) 0.30 1.08 1.68 (0.09) 0.35
EV/FCF 6.79 8.13 2.86 4.58 (1.68) 0.96 3.12 6.36 (0.35) 1.59
Cash, $m
Cash, $m Operating cash flow 9 8 10 11 14 14 16 15 16 16
Capex 0 0 0 (1) 1 (1) (1) (1) 0 (1)
Free cash flow 9 8 10 10 14 13 15 14 15 15
Balance, $m
Balance, $m Working capital (56) (52) (1) (4) (9) (126) (153) (137) (104) (73)
Total debt 13 13 13 13 13 13 13 13 13 13
Net debt (16) (29) (55) (36) (102) (97) (58) (8) (98) (115)
Shareholders’ equity 54 58 63 69 77 85 75 89 98 114
Returns, %
Returns, % ROA 0.87 0.94 1.20 1.21 1.30 1.36 1.32 1.25 1.09 1.34
ROIC 12.12 20.01 83.84 19.97 0.00 0.00 62.32 12.52 0.00 0.00
ROE 10.70 11.42 14.30 13.79 15.03 16.52 17.51 16.66 13.87 16.14
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
BCBP BCB Bancorp, Inc. (NJ) $255.6M — (loss-making) 10.2× −11.64% (below 0%: shrinking) n/m −8.23% (below 0%: shrinking) 57.20% 0.00% Compare
EFSI Eagle Financial Services Inc. $247.6M 13.2× 12.4× +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. $241.2M 11.8× 11.8× +0.90% (above 0%: growing) +1.03% (above 0%: growing) +10.02% (above 0%: growing) 80.61% 0.00% Compare
CMTV Community Bancorp. $234.3M 12.6× — +8.55% (above 0%: growing) +16.67% (above 0%: growing) +17.48% (above 0%: growing) 73.88% 0.00%
INBK First Internet Bancorp $226.6M — (loss-making) 11.4× −1.30% (below 0%: shrinking) +1,250.00% (above 0%: growing) +126.71% (above 0%: growing) 48.20% 0.00% Compare
OPBK OP Bancorp $221.8M 7.6× 7.5× +5.31% (above 0%: growing) +28.57% (above 0%: growing) +3.10% (above 0%: growing) 58.66% 0.00% Compare
MRBK Meridian Bank $219.6M 9.9× 9.5× −3.50% (below 0%: shrinking) −2.00% (below 0%: shrinking) +88.96% (above 0%: growing) 64.49% 0.00% Compare
CFBK CF Bankshares Inc. $217.9M 11.5× 8.1× −0.68% (below 0%: shrinking) +18.18% (above 0%: growing) −35.84% (below 0%: shrinking) 52.15% 0.00% Compare
OVBC Ohio Valley Banc Corp. $217.2M 15.3× 11.0× +11.63% (above 0%: growing) −30.34% (below 0%: shrinking) −91.53% (below 0%: shrinking) 69.70% 0.00% Compare
Median of peers $224.2M 11.6× 10.6× +0.11% +1.03% −2.56% 61.58% 0.00%

All 323 Banks Regional stocks →

Community Bancorp. (CMTV) key facts

  • Strength: Community Bancorp.’s revenue for fiscal 2025 (year ended December 2025) was $68.8 million, up 10.6% from fiscal 2024.
  • Strength: Net income was $17.0 million, or $3.01 per share (basic), a net margin of 24.7%.
  • Community Bancorp. (CMTV) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, CMTV traded at $41.44, a market capitalization of $234.3 million.
  • At that price the stock trades at 12.6× trailing-twelve-month earnings and 3.2× sales; its P/E is higher than 74% of its own readings over the past ten years.
  • Community Bancorp. pays an annual dividend of $1.26 per share, a yield of 3.04%, with a payout ratio of 38.3%.
  • Return on equity was 16.1% and debt-to-equity 0.11.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Community Bancorp. (CMTV) Latest News

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stockrow.com/CMTV · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com