📊 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.
Why Buy Community Bancorp /Vt Stock? CMTV Key Strengths
- 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 Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) 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 rating reflects both perspectives for balanced insights.
Is CMTV a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Community Bancorp /Vt has a HOLD rating with 68% confidence. Review the strengths and risks sections above before making a decision. 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.
Should I buy CMTV stock in 2026?
Our dual AI analysis gives Community Bancorp /Vt a combined HOLD rating 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).