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Community Bancorp

CMTV

(3.8)
Stock Price

16,65 USD

310.9% ROA

35.86% ROE

0.03x PER

Market Cap.

91.129.060,00 USD

165.08% DER

5.61% Yield

73.43% NPM

Community Bancorp Stock Analysis

Community Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Community Bancorp Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (19.48%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last five years, showcasing a commitment to rewarding shareholders.

5 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

6 ROA

The stock's ROA (1.46%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 PBV

The stock's PBV ratio (1.21x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

8 DER

The stock maintains a fair debt to equity ratio (67%), indicating a reasonable balance between the money it owes and the ownership it possesses.

9 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

10 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (53), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

11 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

Community Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Community Bancorp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Community Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Community Bancorp Revenue
Year Revenue Growth
1995 1.300.652
1996 1.645.602 20.96%
1997 1.995.699 17.54%
1998 2.246.183 11.15%
1999 10.947.614 79.48%
2000 11.510.818 4.89%
2001 12.801.833 10.08%
2002 15.017.926 14.76%
2003 15.700.137 4.35%
2004 15.421.876 -1.8%
2005 16.102.885 4.23%
2006 16.396.932 1.79%
2007 16.649.619 1.52%
2008 20.620.959 19.26%
2009 22.091.225 6.66%
2010 22.800.548 3.11%
2011 22.350.904 -2.01%
2012 24.127.972 7.37%
2013 25.180.216 4.18%
2014 24.268.851 -3.76%
2015 25.102.825 3.32%
2016 26.117.303 3.88%
2017 28.403.918 8.05%
2018 29.888.210 4.97%
2019 30.787.094 2.92%
2020 33.784.037 8.87%
2021 36.527.416 7.51%
2022 38.329.206 4.7%
2023 48.345.456.000 99.92%
2023 53.043.718 -91042.66%
2024 39.480.000 -34.36%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Community Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 509.345 100%
2017 538.359 5.39%
2018 480.563 -12.03%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Community Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 4.123.087
1996 4.493.402 8.24%
1997 3.476.762 -29.24%
1998 3.540.702 1.81%
1999 3.631.521 2.5%
2000 3.854.032 5.77%
2001 4.244.078 9.19%
2002 4.952.412 14.3%
2003 5.452.895 9.18%
2004 4.268.960 -27.73%
2005 6.195.504 31.1%
2006 6.261.405 1.05%
2007 6.319.175 0.91%
2008 8.225.214 23.17%
2009 8.940.103 8%
2010 8.611.184 -3.82%
2011 8.451.621 -1.89%
2012 8.679.298 2.62%
2013 9.091.344 4.53%
2014 9.899.608 8.16%
2015 10.623.927 6.82%
2016 11.107.921 4.36%
2017 9.948.489 -11.65%
2018 10.595.951 6.11%
2019 11.427.983 7.28%
2020 12.259.255 6.78%
2021 12.796.459 4.2%
2022 12.364.687 -3.49%
2023 12.902.004 4.16%
2023 13.359.263 3.42%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Community Bancorp EBITDA
Year EBITDA Growth
1995 10.851.413
1996 11.443.097 5.17%
1997 11.141.900 -2.7%
1998 11.384.568 2.13%
1999 11.442.344 0.5%
2000 12.761.687 10.34%
2001 12.987.877 1.74%
2002 11.965.668 -8.54%
2003 11.127.997 -7.53%
2004 10.071.883 -10.49%
2005 10.679.156 5.69%
2006 13.121.520 18.61%
2007 13.851.577 5.27%
2008 14.662.935 5.53%
2009 13.857.305 -5.81%
2010 13.093.406 -5.83%
2011 11.477.578 -14.08%
2012 10.596.485 -8.31%
2013 10.951.377 3.24%
2014 7.708.863 -42.06%
2015 7.832.577 1.58%
2016 11.422.169 31.43%
2017 13.514.127 15.48%
2018 15.602.576 13.39%
2019 11.544.341 -35.15%
2020 13.901.278 16.95%
2021 17.226.344 19.3%
2022 22.047.092 21.87%
2023 16.344.868.000 99.87%
2023 1.070.035 -1527407.79%
2024 2.169.484.000 99.95%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Community Bancorp Gross Profit
Year Gross Profit Growth
1995 1.300.652
1996 1.645.602 20.96%
1997 1.995.699 17.54%
1998 2.246.183 11.15%
1999 10.947.614 79.48%
2000 11.510.818 4.89%
2001 12.801.833 10.08%
2002 15.017.926 14.76%
2003 15.700.137 4.35%
2004 15.421.876 -1.8%
2005 16.102.885 4.23%
2006 16.396.932 1.79%
2007 16.649.619 1.52%
2008 20.620.959 19.26%
2009 22.091.225 6.66%
2010 22.800.548 3.11%
2011 17.148.735 -32.96%
2012 24.127.972 28.93%
2013 25.180.216 4.18%
2014 19.894.533 -26.57%
2015 20.761.039 4.17%
2016 21.548.815 3.66%
2017 23.372.559 7.8%
2018 24.629.515 5.1%
2019 30.787.094 20%
2020 33.784.037 8.87%
2021 36.527.416 7.51%
2022 38.329.206 4.7%
2023 48.345.456.000 99.92%
2023 34.222.287 -141168.92%
2024 39.480.000 13.32%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Community Bancorp Net Profit
Year Net Profit Growth
1995 1.951.949
1996 2.219.804 12.07%
1997 2.145.395 -3.47%
1998 2.190.374 2.05%
1999 2.334.358 6.17%
2000 2.422.421 3.64%
2001 2.797.825 13.42%
2002 3.239.972 13.65%
2003 3.798.266 14.7%
2004 3.396.964 -11.81%
2005 3.420.635 0.69%
2006 3.375.448 -1.34%
2007 3.357.330 -0.54%
2008 2.201.346 -52.51%
2009 3.747.862 41.26%
2010 3.946.008 5.02%
2011 3.583.546 -10.11%
2012 4.400.690 18.57%
2013 5.086.655 13.49%
2014 5.124.908 0.75%
2015 4.825.591 -6.2%
2016 5.484.278 12.01%
2017 6.231.298 11.99%
2018 8.397.532 25.8%
2019 8.824.446 4.84%
2020 10.758.502 17.98%
2021 13.138.338 18.11%
2022 13.739.940 4.38%
2023 13.450.036.000 99.9%
2023 13.431.855 -100035.36%
2024 38.153.672 64.8%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Community Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 1
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 100%
2014 1 0%
2015 1 0%
2016 1 100%
2017 1 0%
2018 2 0%
2019 2 0%
2020 2 50%
2021 2 0%
2022 3 0%
2023 2.359 99.92%
2023 2 -117850%
2024 7 66.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Community Bancorp Free Cashflow
Year Free Cashflow Growth
1995 2.564.571
1996 3.304.254 22.39%
1997 3.138.988 -5.26%
1998 1.924.221 -63.13%
1999 2.352.422 18.2%
2000 2.397.573 1.88%
2001 902.782 -165.58%
2002 215.462 -319%
2003 5.230.667 95.88%
2004 3.690.642 -41.73%
2005 312.851 -1079.68%
2006 4.038.090 92.25%
2007 2.848.379 -41.77%
2008 2.282.366 -24.8%
2009 4.958.286 53.97%
2010 4.690.821 -5.7%
2011 5.343.486 12.21%
2012 6.638.351 19.51%
2013 10.020.201 33.75%
2014 8.600.901 -16.5%
2015 4.521.092 -90.24%
2016 8.856.484 48.95%
2017 7.490.576 -18.24%
2018 10.075.822 25.66%
2019 10.294.260 2.12%
2020 13.131.815 21.61%
2021 13.148.942 0.13%
2022 15.119.696 13.03%
2023 4.692.235 -222.23%
2023 18.742.264 74.96%
2024 3.677.518 -409.64%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Community Bancorp Operating Cashflow
Year Operating Cashflow Growth
1995 2.564.571
1996 3.304.254 22.39%
1997 3.138.988 -5.26%
1998 1.924.221 -63.13%
1999 4.160.732 53.75%
2000 3.345.452 -24.37%
2001 1.646.354 -103.2%
2002 1.201.612 -37.01%
2003 8.395.818 85.69%
2004 4.733.728 -77.36%
2005 4.695.272 -0.82%
2006 5.636.149 16.69%
2007 3.465.966 -62.61%
2008 2.282.366 -51.86%
2009 4.790.809 52.36%
2010 4.876.533 1.76%
2011 6.288.919 22.46%
2012 7.283.123 13.65%
2013 10.507.078 30.68%
2014 9.342.682 -12.46%
2015 5.592.615 -67.05%
2016 9.308.462 39.92%
2017 8.065.644 -15.41%
2018 10.166.779 20.67%
2019 11.246.656 9.6%
2020 13.584.217 17.21%
2021 14.044.681 3.28%
2022 15.735.245 10.74%
2023 4.954.379 -217.6%
2023 19.375.726 74.43%
2024 4.108.298 -371.62%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Community Bancorp Capital Expenditure
Year Capital Expenditure Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 1.808.310 100%
2000 947.879 -90.77%
2001 743.572 -27.48%
2002 986.150 24.6%
2003 3.165.151 68.84%
2004 1.043.086 -203.44%
2005 4.382.421 76.2%
2006 1.598.059 -174.23%
2007 617.587 -158.76%
2008 0 0%
2009 -167.477 100%
2010 185.712 190.18%
2011 945.433 80.36%
2012 644.772 -46.63%
2013 486.877 -32.43%
2014 741.781 34.36%
2015 1.071.523 30.77%
2016 451.978 -137.07%
2017 575.068 21.4%
2018 90.957 -532.24%
2019 952.396 90.45%
2020 452.402 -110.52%
2021 895.739 49.49%
2022 615.549 -45.52%
2023 262.144 -134.81%
2023 633.462 58.62%
2024 430.780 -47.05%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Community Bancorp Equity
Year Equity Growth
1995 17.580.417
1996 19.111.355 8.01%
1997 20.480.357 6.68%
1998 22.002.059 6.92%
1999 22.181.154 0.81%
2000 22.530.170 1.55%
2001 23.446.826 3.91%
2002 25.705.102 8.79%
2003 27.085.146 5.1%
2004 28.043.446 3.42%
2005 29.123.334 3.71%
2006 30.730.811 5.23%
2007 34.920.360 12%
2008 35.272.892 1%
2009 36.889.838 4.38%
2010 39.127.669 5.72%
2011 40.918.409 4.38%
2012 43.352.575 5.61%
2013 46.135.977 6.03%
2014 48.995.202 5.84%
2015 51.414.656 4.71%
2016 54.451.517 5.58%
2017 57.935.854 6.01%
2018 62.603.711 7.46%
2019 68.894.679 9.13%
2020 77.288.713 10.86%
2021 84.760.268 8.81%
2022 75.176.363 -12.75%
2023 78.806.696 4.61%
2023 89.028.814 11.48%
2024 91.328.734 2.52%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Community Bancorp Assets
Year Assets Growth
1995 197.381.799
1996 205.536.203 3.97%
1997 213.001.404 3.5%
1998 225.050.663 5.35%
1999 232.215.802 3.09%
2000 252.785.237 8.14%
2001 288.677.924 12.43%
2002 309.227.605 6.65%
2003 330.742.407 6.51%
2004 334.836.494 1.22%
2005 353.827.564 5.37%
2006 351.814.542 -0.57%
2007 502.031.618 29.92%
2008 487.799.232 -2.92%
2009 505.287.097 3.46%
2010 545.932.649 7.45%
2011 552.905.517 1.26%
2012 575.738.245 3.97%
2013 573.667.404 -0.36%
2014 586.711.044 2.22%
2015 596.134.709 1.58%
2016 637.653.665 6.51%
2017 667.045.595 4.41%
2018 720.347.498 7.4%
2019 737.955.319 2.39%
2020 918.233.284 19.63%
2021 1.019.105.799 9.9%
2022 1.056.032.147 3.5%
2023 1.083.290.144 2.52%
2023 1.100.439.471 1.56%
2024 1.100.437.227 -0%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Community Bancorp Liabilities
Year Liabilities Growth
1995 179.801.382
1996 186.424.848 3.55%
1997 192.521.047 3.17%
1998 203.048.604 5.18%
1999 210.034.648 3.33%
2000 230.255.067 8.78%
2001 265.231.098 13.19%
2002 283.522.503 6.45%
2003 303.657.261 6.63%
2004 306.793.048 1.02%
2005 324.704.230 5.52%
2006 321.083.731 -1.13%
2007 467.111.258 31.26%
2008 452.526.340 -3.22%
2009 468.397.259 3.39%
2010 506.804.980 7.58%
2011 511.987.108 1.01%
2012 532.385.670 3.83%
2013 527.531.427 -0.92%
2014 537.715.842 1.89%
2015 544.720.053 1.29%
2016 583.202.148 6.6%
2017 609.109.741 4.25%
2018 657.743.787 7.39%
2019 669.060.640 1.69%
2020 840.944.571 20.44%
2021 934.345.531 10%
2022 980.855.784 4.74%
2023 1.004.483.448 2.35%
2023 1.011.410.657 0.68%
2024 1.009.108.493 -0.23%

Community Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2215.24
Net Income per Share
618.71
Price to Earning Ratio
0.03x
Price To Sales Ratio
0.01x
POCF Ratio
4.49
PFCF Ratio
4.82
Price to Book Ratio
0.98
EV to Sales
0.02
EV Over EBITDA
0.04
EV to Operating CashFlow
11.35
EV to FreeCashFlow
12.01
Earnings Yield
37.73
FreeCashFlow Yield
0.21
Market Cap
0,09 Bil.
Enterprise Value
0,23 Bil.
Graham Number
482.05
Graham NetNet
-17848.93

Income Statement Metrics

Net Income per Share
618.71
Income Quality
1.61
ROE
38.85
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.98
EBT Per Ebit
0.85
Ebit per Revenue
0.88
Effective Tax Rate
32.67

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.88
Operating Profit Margin
0.88
Pretax Profit Margin
0.75
Net Profit Margin
0.73

Dividends

Dividend Yield
0.06
Dividend Yield %
5.61
Payout Ratio
0
Dividend Per Share
0.92

Operating Metrics

Operating Cashflow per Share
3.65
Free CashFlow per Share
3.45
Capex to Operating CashFlow
0.06
Capex to Revenue
0
Capex to Depreciation
1.05
Return on Invested Capital
9.46
Return on Tangible Assets
3.11
Days Sales Outstanding
0.13
Days Payables Outstanding
0
Days of Inventory on Hand
-13166841.05
Receivables Turnover
2809.52
Payables Turnover
0
Inventory Turnover
-0
Capex per Share
0.2

Balance Sheet

Cash per Share
34,61
Book Value per Share
16,69
Tangible Book Value per Share
14.58
Shareholders Equity per Share
16.69
Interest Debt per Share
2450.67
Debt to Equity
1.65
Debt to Assets
0.14
Net Debt to EBITDA
0.03
Current Ratio
0.07
Tangible Asset Value
0,08 Bil.
Net Current Asset Value
-0,99 Bil.
Invested Capital
-259947813
Working Capital
-0,28 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-195176375500
Debt to Market Cap
1.65

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Community Bancorp Dividends
Year Dividends Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%
2024 1 0%

Community Bancorp Profile

About Community Bancorp

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.

CEO
Ms. Kathryn M. Austin
Employee
120
Address
4811 US Route 5
Derby, 05829

Community Bancorp Executives & BODs

Community Bancorp Executives & BODs
# Name Age
1 Ms. Tracy D. Roberts
Marketing Director of Community National Bank
70
2 Ms. Kimico Perry
Human Resources Officer of Community National Bank
70
3 Ms. Candace A. Patenaude
Financial Officer & Controller
70
4 Melissa Tinker
Assistant Corporate Secretary
70
5 Ms. Louise M. Bonvechio
Corporate Secretary & Treasurer
70
6 Ms. Nikole M. Brainard
Principal Accounting Officer
70
7 Ms. Kathryn M. Austin
President, Chief Executive Officer & Director
70
8 Mr. Christopher L. Caldwell
Vice President & Director
70

Community Bancorp Competitors