Community Bancorp. Common Stock

Community Bancorp. Common Stock

CMTV · NASDAQ · Financial Services / Banks - Regional

49.61USD+0.66 (+1.35%)

Price History

Full chart

Market Stats

Previous Close48.95
Open48.40
Day Range48.40 – 49.85
52-Week Range21.61 – 43.76
Volume19.00K
Market Cap228.63M
P/E (TTM)12.45
Forward P/E13.89
EPS3.28
Dividend Yield2.56%
Beta0.38
50-Day Avg40.54
200-Day Avg35.73

About

Community Bancorp. operates as the bank holding company for Community National Bank that provides various financial services to individuals, businesses, nonprofit organizations, and municipalities in northern and central Vermont. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as standby letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, card processing, and remote deposit capture. It also provides commercial real estate lending products comprising financing for commercial developers and investors, residential builders and developers, and community development entities, including credit products to facilitate the purchase of land and/or build structures for business; 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. In addition, the company offers residential real estate lending products, such as fixed-rate and adjustable rate residential mortgage and home equity loans; and retail credit services, which includes personal, automobile, and boat/recreational vehicle loans. Further, the company provides municipal and institutional banking services comprising deposit account services, term and tax-exempt loans, and lines of credit to state and local governments, schools, charities, membership, and not-for-profit associations. Additionally, it offers consumer banking services, including checking accounts, savings programs, ATMs, debit and credit cards, night deposit facilities, and online, mobile and telephone banking services. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Christopher L. Caldwell
  • Employees125
  • Headquarters4811 US Route 5, Derby, VT, United States, 05829, USA
  • Websitehttps://www.communitybancorpvt.com

Leadership

  • Mr. Christopher L. CaldwellCEO, President & Director · b. 1966
  • Ms. Louise M. BonvechioCorporate Secretary & Treasurer · b. 1961
  • Ms. Candace A. PatenaudeFinancial Officer & Controller · b. 1963
  • Ms. Nikole M. BrainardPrincipal Accounting Officer · b. 1976
  • Ms. Tracy D. RobertsMarketing Director of Community National Bank
  • Ms. Kimico PerryHuman Resources Officer of Community National Bank
  • Melissa TinkerAssistant Corporate Secretary

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue9.55M9.82M9.83M10.37M18.48M20.30M21.39M21.70M21.06M20.18M21.53M25.14M31.12M29.78M29.33M27.95M29.01M28.09M27.72M28.12M29.18M31.52M34.37M36.93M38.92M40.21M43.25M52.01M59.61M68.79M
Growth (%)-+2.86%+0.08%+5.51%+78.21%+9.84%+5.36%+1.45%-2.94%-4.16%+6.67%+16.77%+23.80%-4.33%-1.50%-4.71%+3.81%-3.18%-1.31%+1.44%+3.76%+8.03%+9.04%+7.44%+5.39%+3.31%+7.54%+20.27%+14.60%+15.41%
Cost of Revenue8.37M8.54M8.49M8.74M8.03M9.17M9.00M7.01M5.48M4.86M5.58M8.64M11.00M8.31M7.54M6.60M5.88M4.11M3.60M3.16M3.20M3.72M5.27M7.21M6.44M3.75M5.01M14.17M21.50M21.38M
Gross Profit1.18M1.28M1.34M1.63M10.45M11.13M12.39M14.69M15.58M15.33M15.95M16.50M20.12M21.47M21.78M21.35M23.13M23.98M24.13M24.97M25.98M27.80M29.11M29.72M32.49M36.47M38.24M37.84M38.10M47.41M
Gross Margin12.36%13.04%13.59%15.76%56.54%54.81%57.94%67.71%73.97%75.94%74.10%65.64%64.65%72.09%74.28%76.40%79.72%85.36%87.03%88.78%89.04%88.20%84.68%80.48%83.46%90.69%88.42%72.75%63.92%68.92%
Operating Expense-1.10M-1.59M-1.56M-1.27M7.33M7.93M8.72M10.53M10.79M11.20M11.74M12.48M18.25M18.03M17.28M17.53M18.87M17.76M17.21M18.38M18.57M18.66M18.97M19.11M19.48M20.34M21.36M21.51M22.90M27.00M
Operating Income2.28M2.87M2.90M2.90M3.12M3.20M3.67M4.16M4.79M4.13M4.21M4.03M1.88M3.43M4.50M3.82M4.26M6.22M6.91M6.59M7.41M9.14M10.14M10.61M13.01M16.12M16.88M16.33M15.20M20.40M
Operating Margin23.84%29.26%29.51%27.97%16.89%15.76%17.17%19.20%22.73%20.45%19.56%16.01%6.03%11.53%15.35%13.66%14.69%22.14%24.93%23.44%25.39%29.00%29.49%28.74%33.42%40.09%39.02%31.39%25.51%29.66%
EBITDA2.60M3.27M3.31M3.31M3.91M3.97M4.40M5.29M5.77M5.60M5.59M5.36M4.21M6.17M6.57M5.27M5.71M7.51M8.15M7.83M8.72M10.45M11.12M11.54M13.90M17.23M18.02M17.40M16.23M21.45M
EBITDA Margin27.26%33.26%33.65%31.90%21.14%19.57%20.58%24.36%27.39%27.76%25.96%21.32%13.53%20.73%22.39%18.84%19.70%26.73%29.41%27.85%29.89%33.14%32.34%31.26%35.72%42.84%41.66%33.45%27.23%31.18%
Net Income1.95M2.22M2.15M2.19M2.33M2.42M2.80M3.24M3.80M3.40M3.42M3.36M2.20M3.75M3.95M3.58M4.40M5.09M5.12M4.83M5.48M6.23M8.40M8.82M10.76M13.14M13.74M13.43M12.76M16.97M
Net Income Margin20.44%22.60%21.83%21.12%12.63%11.93%13.08%14.93%18.04%16.83%15.89%13.35%7.07%12.59%13.45%12.82%15.17%18.11%18.49%17.16%18.80%19.77%24.43%23.89%27.64%32.67%31.77%25.82%21.42%24.67%
R&D-------------------0000-------
R&D as % of Total Revenue-------------------0.00%0.00%0.00%0.00%-------
Interest Expense8.25M8.18M7.83M8.08M7.53M8.79M8.59M6.68M5.36M4.76M5.43M8.49M10.50M7.68M6.53M5.60M4.88M3.44M3.06M2.65M2.70M3.07M4.49M6.14M4.85M3.12M4.03M12.69M20.37M20.01B
Interest Expense % of Total Revenue86.38%83.25%79.70%77.88%40.77%43.30%40.15%30.79%25.45%23.59%25.21%33.77%33.75%25.81%22.26%20.02%16.83%12.25%11.02%9.41%9.25%9.73%13.05%16.63%12.45%7.76%9.32%24.40%34.17%29083.00%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets197.38M205.54M213.00M225.05M232.22M252.79M288.68M309.23M330.74M334.84M353.83M502.03M487.80M505.29M545.93M552.91M575.74M573.67M586.71M596.13M637.65M667.05M720.35M737.96M918.23M1.02B1.06B1.10B1.25B1.29B
Total Liabilities179.80M186.42M192.52M203.05M210.03M230.26M265.23M283.52M303.66M306.79M324.70M467.11M452.53M468.40M506.80M511.99M532.39M527.53M537.72M544.72M583.20M609.11M657.74M669.06M840.94M934.35M980.86M1.01B1.15B1.17B
Total Equity17.58M19.11M20.48M22.00M22.18M22.53M23.45M25.71M27.09M28.04M29.12M34.92M35.27M36.89M39.13M40.92M43.35M46.14M49.00M51.41M54.45M57.94M62.60M68.89M77.29M84.76M75.18M89.03M98.05M113.69M
Cash8.89M8.25M14.31M20.42M9.93M6.11M8.68M8.96M11.62M8.39M11.07M17.49M11.24M9.60M51.44M23.46M11.27M11.84M11.94M9.48M10.94M10.69M14.91M10.26M10.85M17.84M12.30M15.00M9.88M11.80M
Total Debt330.00K1.83M4.16M4.37M6.70M19.98M24.89M5.04M8.04M5.04M10.04M45.04M58.35M13.76M13.72M53.38M19.66M13.60M42.07M45.52M75.34M45.47M45.23M48.73M54.41M46.80M47.26M67.49M134.43M90.36M
Net Debt-8.56M-6.41M-10.14M-16.06M-3.23M13.87M16.21M-3.92M-3.58M-3.35M-1.03M27.55M47.11M4.17M-37.72M29.92M8.39M1.76M30.13M36.04M64.40M34.78M30.32M38.46M43.56M28.96M34.96M52.49M124.56M78.56M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.56M3.30M3.14M1.92M4.16M3.35M1.65M1.20M8.40M5.03M5.03M3.47M2.28M4.79M4.88M6.29M7.28M10.51M9.34M5.59M9.31M8.07M10.17M11.25M13.58M14.04M15.74M14.93M15.77M16.04M
Investing Cash Flow-4.59M-9.78M-2.33M-5.36M-17.11M-27.48M-25.75M-16.84M-26.06M-13.22M-11.61M-20.94M4.54M-21.90M-387.67K-36.21M-20.45M-15.49M-10.75M-5.27M-45.22M-18.49M-29.55M-37.00M-116.99M-104.59M-95.00M-92.09M-56.56M-16.19M
Financing Cash Flow3.53M5.83M5.25M9.55M5.24M17.53M32.69M14.97M18.00M2.22M15.76M18.28M-15.82M15.44M37.36M1.94M19.58M-6.57M8.04M3.57M36.67M23.46M44.66M6.38M169.89M85.86M40.05M26.46M131.30M17.27M
Capital Expenditure00001.81M947.88K743.57K986.15K3.17M1.04M4.38M617.59K00185.71K945.43K644.77K486.88K741.78K1.07M451.98K575.07K90.96K952.40K452.40K895.74K615.55K633.46K791.79K780.77K
Free Cash Flow2.56M3.30M3.14M1.92M2.35M2.40M902.78K215.46K5.23M3.98M651.07K2.85M2.28M4.79M4.69M5.34M6.64M10.02M8.60M4.52M8.86M7.49M10.08M10.29M13.13M13.15M15.12M14.30M14.98M15.26M
Dividends Paid673.53K741.14K863.21K954.10K1.13M1.36M1.58M1.64M1.70M1.72M1.84M2.01M2.27M1.86M1.67M1.80M1.96M2.06M2.25M2.34M2.40M2.56M2.78M2.92M3.00M3.44M3.78M3.80M3.84M4.06M
FCF to OCF100.00%100.00%100.00%100.00%56.54%71.67%54.84%17.93%62.30%79.25%12.93%82.18%100.00%100.00%96.19%84.97%91.15%95.37%92.06%80.84%95.14%92.87%99.11%91.53%96.67%93.62%96.09%95.76%94.98%95.13%
Dividend Paid to FCF26.26%22.43%27.50%49.58%48.15%56.57%174.70%761.09%32.48%43.10%283.05%70.71%99.43%38.88%35.67%33.73%29.45%20.51%26.16%51.83%27.12%34.17%27.55%28.41%22.86%26.13%25.00%26.55%25.62%26.62%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Dec 31, 2020Mar 31, 2021Jun 30, 2021Sep 30, 2021Dec 31, 2021Mar 31, 2022Jun 30, 2022Sep 30, 2022Dec 31, 2022Mar 31, 2023Jun 30, 2023Sep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024May 15, 2025Jun 30, 2025Sep 30, 2025Jan 27, 2026Mar 31, 2026Jul 21, 2026Nov 13, 2026
EPS Estimate---------------------------------------------0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00-0.000.000.000.000.000.000.000.000.000.000.000.00----------------0.00---
EPS Actual0.230.160.160.110.150.160.110.160.160.120.160.160.150.230.190.200.220.260.240.190.180.190.190.240.170.180.220.240.160.190.180.260.160.200.210.050.200.060.170.140.210.210.230.210.150.310.190.180.170.190.190.200.260.230.210.250.280.290.220.260.280.280.220.210.290.240.230.250.300.290.270.290.350.290.380.390.440.410.340.460.430.450.350.540.540.600.570.570.690.630.440.560.660.860.610.580.610.640.510.490.550.730.620.720.840.830.780.84-
Surprise-------------------------------------------------------------------------------------------------------------
Timing-------------------------------------------------------------------------------------------------------------

Key Statistics & Ratios

Market Cap228.63M
Enterprise Value265.40M
Trailing P/E12.45
Forward P/E13.89
PEG Ratio0.00
Price / Sales4.54
Price / Book1.82
EPS3.28
Book Value21.58
Revenue (TTM)50.31M
Gross Profit (TTM)50.31M
Profit Margin36.65%
Operating Margin44.19%
Return on Equity16.23%
Return on Assets1.58%
Shares Outstanding5.60M
Shares Float4.96M
Beta0.38
Dividend Yield2.56%
Dividend Rate1.04
Payout Ratio30.66%

Ownership Breakdown

Institutions
34.52%
Insiders
11.46%
Retail / Other
54.02%

Top Institutional Holders

  • Community Financial Services Group
    696.49K12.44%
  • Vanguard Capital Management, LLC
    234.50K4.19%
  • BlackRock Inc
    70.46K1.26%
  • Geode Capital Management, LLC
    63.88K1.14%
  • Silverlake Wealth Management LLC
    62.35K1.11%
  • AllianceBernstein L.P.
    62.13K1.11%
  • Manufacturers Life Insurance Co
    61.71K1.10%
  • Vanguard Fiduciary Trust Co
    31.89K0.57%
  • Blair William & Co
    15.60K0.28%
  • Hanson Investment Management
    14.32K0.26%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    162.04K2.89%
  • iShares Russell 2000 ETF
    100.64K1.80%
  • JH Financial Opportunities
    61.71K1.10%
  • Fidelity Small Cap Index
    55.42K0.99%
  • Avantis US Small Cap Value ETF
    52.78K0.94%
  • iShares Russell 2000 Value ETF
    38.07K0.68%
  • Vanguard Russell 2000 ETF
    29.30K0.52%
  • Fidelity Extended Market Index
    24.55K0.44%
  • First Trust Dow Jones Sel MicroCap ETF
    21.87K0.39%
  • iShares Micro-Cap ETF
    17.41K0.31%

Dividends

20265×
0.26Oct 15, 20260.25Jul 15, 20260.25Apr 24, 20260.25Apr 15, 20260.25Jan 15, 2026
20254×
0.25Oct 15, 20250.24Jul 15, 20250.24Apr 15, 20250.24Jan 15, 2025
20244×
0.24Oct 15, 20240.23Jul 15, 20240.23Apr 12, 20240.23Jan 11, 2024
20234×
0.23Oct 12, 20230.23Jul 13, 20230.23Apr 13, 20230.23Jan 12, 2023
20224×
0.23Oct 13, 20220.23Jul 14, 20220.23Apr 13, 20220.22Jan 13, 2022
20213×
0.22Oct 14, 20210.22Jul 14, 20210.22Apr 14, 2021

Stock Splits

  • Jul 11, 200721:20
  • Jun 13, 200521:20
  • Jan 14, 200321:20
  • Jan 28, 199921:20
  • Jun 2, 19982:1
  • Jan 14, 199721:20