Community Bancorp /Vt
CMTV Nasdaq National Commercial Banks Financials FY2016–FY2025
Last close · Oct 23, 2026
$42.31
2.6%
Revenue
Total sales reported in the income statement.
$48.8M
16.7%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
55.4%
5.6 pts
Net income
Profit after all expenses, interest and tax.
$17.0M
32.9%
Return on equity
Net income as a share of average shareholders' equity.
16.0%
2.4 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
$237M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
12.9x
On $3.29 EPS (TTM)
What Community Bancorp /Vt does
No business description yet.
- Legal name
- COMMUNITY BANCORP /VT
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 27, 2026
- Accession · CIK
- 0001654954-26-002870
0000718413
Revenue and margins
Community Bancorp /Vt had $48.8M of revenue in fiscal 2025, up 16.7% on the year before.
FY16
Revenue $27.1M
FY17
Revenue $29.0M
FY18
Revenue $30.8M
FY19
Revenue $31.6M
FY20
Revenue $35.0M
FY21
Revenue $38.4M
FY22
Revenue $39.7M
FY23
Revenue $41.4M
FY24
Revenue $41.8M
FY25
Revenue $48.8M
Q3 '23
Revenue $10.1M
Q4 '23
Revenue $10.9M
Q1 '24
Revenue $10.0M
Q2 '24
Revenue $9.9M
Q3 '24
Revenue $10.7M
Q4 '24
Revenue $11.3M
Q1 '25
Revenue $11.0M
Q2 '25
Revenue $12.0M
Q3 '25
Revenue $12.6M
Q4 '25
Revenue $13.2M
Q1 '26
Revenue $12.7M
Q2 '26
Revenue $13.6M
FY16
Net interest share 79.7%
Efficiency ratio 70.8%
FY17
Net interest share 80.7%
Efficiency ratio 66.2%
FY18
Net interest share 79.9%
Efficiency ratio 64.6%
FY19
Net interest share 81.2%
Efficiency ratio 63.0%
FY20
Net interest share 80.6%
Efficiency ratio 58.3%
FY21
Net interest share 82.5%
Efficiency ratio 56.4%
FY22
Net interest share 83.3%
Efficiency ratio 55.1%
FY23
Net interest share 82.7%
Efficiency ratio 57.0%
FY24
Net interest share 82.8%
Efficiency ratio 60.9%
FY25
Net interest share 83.8%
Efficiency ratio 55.4%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 83.1%
Efficiency ratio 57.3%
Q4 '23
Net interest share 82.8%
Efficiency ratio 55.5%
Q1 '24
Net interest share 83.6%
Efficiency ratio 63.1%
Q2 '24
Net interest share 82.0%
Efficiency ratio 63.5%
Q3 '24
Net interest share 81.2%
Efficiency ratio 61.0%
Q4 '24
Net interest share 84.3%
Efficiency ratio 56.7%
Q1 '25
Net interest share 85.7%
Efficiency ratio 59.0%
Q2 '25
Net interest share 82.8%
Efficiency ratio 55.8%
Q3 '25
Net interest share 83.4%
Efficiency ratio 52.3%
Q4 '25
Net interest share 83.5%
Efficiency ratio 54.8%
Q1 '26
Net interest share 86.3%
Efficiency ratio 55.6%
Q2 '26
Net interest share 82.9%
Efficiency ratio 52.8%
Net interest share
Efficiency ratio
Net income and earnings per share
Loss periods are shown in red.
FY16
Net income $5.5M
FY17
Net income $6.2M
FY18
Net income $8.4M
FY19
Net income $8.8M
FY20
Net income $10.8M
FY21
Net income $13.1M
FY22
Net income $13.7M
FY23
Net income $13.4M
FY24
Net income $12.8M
FY25
Net income $17.0M
Q3 '23
Net income $3.4M
Q4 '23
Net income $3.5M
Q1 '24
Net income $2.8M
Q2 '24
Net income $2.7M
Q3 '24
Net income $3.1M
Q4 '24
Net income $4.1M
Q1 '25
Net income $3.5M
Q2 '25
Net income $4.1M
Q3 '25
Net income $4.7M
Q4 '25
Net income $4.6M
Q1 '26
Net income $4.4M
Q2 '26
Net income $4.7M
FY16
Diluted EPS —
FY17
Diluted EPS —
FY18
Diluted EPS —
FY19
Diluted EPS —
FY20
Diluted EPS —
FY21
Diluted EPS —
FY22
Diluted EPS —
FY23
Diluted EPS —
FY24
Diluted EPS $2.28
FY25
Diluted EPS $3.01
Q3 '23
Diluted EPS —
Q4 '23
Diluted EPS —
Q1 '24
Diluted EPS $0.51
Q2 '24
Diluted EPS $0.49
Q3 '24
Diluted EPS $0.55
Q4 '24
Diluted EPS $0.73
Q1 '25
Diluted EPS $0.62
Q2 '25
Diluted EPS $0.72
Q3 '25
Diluted EPS $0.84
Q4 '25
Diluted EPS $0.83
Q1 '26
Diluted EPS $0.78
Q2 '26
Diluted EPS $0.84
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY16
ROE 10.1%
ROTE 12.7%
Efficiency ratio 70.8%
FY17
ROE 11.1%
ROTE 13.2%
Efficiency ratio 66.2%
FY18
ROE 13.9%
ROTE 16.3%
Efficiency ratio 64.6%
FY19
ROE 13.4%
ROTE 15.2%
Efficiency ratio 63.0%
FY20
ROE 14.7%
ROTE 16.3%
Efficiency ratio 58.3%
FY21
ROE 16.2%
ROTE 17.9%
Efficiency ratio 56.4%
FY22
ROE 17.2%
ROTE 21.5%
Efficiency ratio 55.1%
FY23
ROE 16.4%
ROTE 17.2%
Efficiency ratio 57.0%
FY24
ROE 13.6%
ROTE 14.6%
Efficiency ratio 60.9%
FY25
ROE 16.0%
ROTE 16.5%
Efficiency ratio 55.4%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Community Bancorp /Vt returned $4.0M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count rose 0.9%.
FY16
Dividends $2.3M
Buybacks —
FY17
Dividends $2.5M
Buybacks —
FY18
Dividends $2.7M
Buybacks —
FY19
Dividends $2.8M
Buybacks —
FY20
Dividends $2.9M
Buybacks —
FY21
Dividends $3.4M
Buybacks —
FY22
Dividends $3.7M
Buybacks —
FY23
Dividends $3.7M
Buybacks —
FY24
Dividends $3.7M
Buybacks —
FY25
Dividends $4.0M
Buybacks —
Dividends
Buybacks
Q3 '23
Dividends $0.9M
Buybacks —
Q4 '23
Dividends $0.9M
Buybacks —
Q1 '24
Dividends $0.9M
Buybacks $0.0M
Q2 '24
Dividends $0.9M
Buybacks —
Q3 '24
Dividends $0.9M
Buybacks —
Q4 '24
Dividends $1.0M
Buybacks —
Q1 '25
Dividends $1.0M
Buybacks $0.0M
Q2 '25
Dividends $1.0M
Buybacks —
Q3 '25
Dividends $1.0M
Buybacks —
Q4 '25
Dividends $1.0M
Buybacks —
Q1 '26
Dividends $1.0M
Buybacks —
Q2 '26
Dividends $1.0M
Buybacks —
Dividends
Buybacks
FY16
Diluted shares —
FY17
Diluted shares —
FY18
Diluted shares —
FY19
Diluted shares —
FY20
Diluted shares —
FY21
Diluted shares —
FY22
Diluted shares —
FY23
Diluted shares —
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY16
Loans $482M
Deposits $505M
FY17
Loans $498M
Deposits $561M
FY18
Loans $573M
Deposits $609M
FY19
Loans $601M
Deposits $615M
FY20
Loans $701M
Deposits $782M
FY21
Loans $682M
Deposits $879M
FY22
Loans $740M
Deposits $923M
FY23
Loans $836M
Deposits $897M
FY24
Loans $919M
Deposits $1.0B
FY25
Loans —
Deposits $1.1B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $682M | $740M | $836M | $919M | — |
| Deposits | $879M | $923M | $897M | $1.0B | $1.1B |
| Loans / deposits | 77.6% | 80.2% | 93.2% | 91.7% | — |
| Total assets | $1.0B | $1.1B | $1.1B | $1.2B | $1.3B |
| Shareholders' equity | $84.8M | $75.2M | $89.0M | $98.0M | $114M |
| Goodwill | $11.6M | $11.6M | $11.6M | $11.6M | $11.6M |
| Provision / loans | 0.1% | 0.1% | 0.1% | 0.1% | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $27.1M | $29.0M | $30.8M | $31.6M | $35.0M | $38.4M | $39.7M | $41.4M | $41.8M | $48.8M |
| Net interest income | $21.5M | $23.4M | $24.6M | $25.6M | $28.2M | $31.7M | $33.1M | $34.2M | $34.6M | $40.9M |
| Noninterest income | $5.5M | $5.6M | $6.2M | $5.9M | $6.8M | $6.7M | $6.6M | $7.2M | $7.2M | $7.9M |
| Noninterest expense | $19.1M | $19.2M | $19.9M | $19.9M | $20.4M | $21.7M | $21.9M | $23.6M | $25.5M | $27.0M |
| Provision for credit losses | $0.5M | $0.7M | $0.8M | $1.1M | $1.6M | $0.6M | $1.0M | $1.2M | $1.2M | $1.4M |
| Interest expense | $2.7M | $3.1M | $4.5M | $6.1M | $4.8M | $3.1M | $4.0M | $12.7M | $20.4M | $20.0M |
| Pretax income | $7.4M | $9.1M | $10.1M | $10.6M | $13.0M | $16.1M | $16.9M | $16.3M | $15.2M | $20.4M |
| Income tax | $1.9M | $2.9M | $1.7M | $1.8M | $2.2M | $3.0M | $3.1M | $2.9M | $2.4M | $3.4M |
| Net income | $5.5M | $6.2M | $8.4M | $8.8M | $10.8M | $13.1M | $13.7M | $13.4M | $12.8M | $17.0M |
| Net income to common | $5.4M | $6.1M | $8.3M | $8.7M | $10.7M | $13.1M | $13.7M | $13.3M | $12.6M | $16.9M |
| Diluted EPS | — | — | — | — | — | — | — | — | $2.28 | $3.01 |
| Diluted shares | — | — | — | — | — | — | — | — | 0.01B | 0.01B |
| Cash flow | ||||||||||
| Cash from operations | $9.3M | $8.1M | $10.2M | $11.2M | $13.6M | $14.0M | $15.7M | $14.9M | $15.8M | $16.0M |
| Capital expenditure | $0.5M | $0.6M | $0.1M | $1.0M | $0.5M | $0.9M | $0.6M | $0.6M | $0.8M | $0.8M |
| Free cash flow | $8.9M | $7.5M | $10.1M | $10.3M | $13.1M | $13.1M | $15.1M | $14.3M | $15.0M | $15.3M |
| Depreciation and amortization | $1.0M | $1.0M | $1.0M | $0.9M | $0.9M | $1.1M | $1.1M | $1.1M | $1.0M | $1.0M |
| Dividends paid | $2.3M | $2.5M | $2.7M | $2.8M | $2.9M | $3.4M | $3.7M | $3.7M | $3.7M | $4.0M |
| Dividends and buybacks | $2.3M | $2.5M | $2.7M | $2.8M | $2.9M | $3.4M | $3.7M | $3.7M | $3.7M | $4.0M |
| Balance sheet | ||||||||||
| Cash and short-term investments | — | — | $67.9M | $48.6M | $115M | $110M | $264M | $211M | $271M | $273M |
| Finance lease liabilities | — | — | $0.3M | $0.1M | — | — | — | $3.4M | $3.2M | $3.0M |
| Loans, net | $482M | $498M | $573M | $601M | $701M | $682M | $740M | $836M | $919M | — |
| Deposits | $505M | $561M | $609M | $615M | $782M | $879M | $923M | $897M | $1.0B | $1.1B |
| Property and equipment, net | $10.8M | $10.3M | $9.7M | $11.0M | $10.2M | $13.8M | $13.0M | $12.4M | $12.1M | $12.1M |
| Goodwill | $11.6M | $11.6M | $11.6M | $11.6M | $11.6M | $11.6M | $11.6M | $11.6M | $11.6M | $11.6M |
| Intangible assets | $0.3M | — | — | — | — | — | — | — | — | — |
| Total assets | $638M | $667M | $720M | $738M | $918M | $1.0B | $1.1B | $1.1B | $1.2B | $1.3B |
| Total liabilities | $583M | $609M | $658M | $669M | $841M | $934M | $981M | $1.0B | $1.2B | $1.2B |
| Preferred stock | $2.5M | $2.5M | $2.0M | $1.5M | $1.5M | $1.5M | $1.5M | $1.5M | $1.5M | $0.0M |
| Shareholders' equity | $54.5M | $57.9M | $62.6M | $68.9M | $77.3M | $84.8M | $75.2M | $89.0M | $98.0M | $114M |
| Margins | ||||||||||
| Net margin | 20.3% | 21.5% | 27.3% | 28.0% | 30.7% | 34.2% | 34.6% | 32.5% | 30.5% | 34.8% |
| FCF margin | 32.7% | 25.9% | 32.7% | 32.6% | 37.5% | 34.2% | 38.1% | 34.5% | 35.8% | 31.3% |
| Net interest share of revenue | 79.7% | 80.7% | 79.9% | 81.2% | 80.6% | 82.5% | 83.3% | 82.7% | 82.8% | 83.8% |
| Efficiency ratio | 70.8% | 66.2% | 64.6% | 63.0% | 58.3% | 56.4% | 55.1% | 57.0% | 60.9% | 55.4% |
| Returns | ||||||||||
| Return on equity | 10.1% | 11.1% | 13.9% | 13.4% | 14.7% | 16.2% | 17.2% | 16.4% | 13.6% | 16.0% |
| Return on assets | 0.9% | 1.0% | 1.2% | 1.2% | 1.3% | 1.4% | 1.3% | 1.2% | 1.1% | 1.3% |
| Return on tangible equity | 12.7% | 13.2% | 16.3% | 15.2% | 16.3% | 17.9% | 21.5% | 17.2% | 14.6% | 16.5% |
| Growth | ||||||||||
| Revenue growth | — | 7.0% | 6.4% | 2.4% | 10.9% | 9.8% | 3.4% | 4.2% | 1.0% | 16.7% |
| Net income growth | — | 13.6% | 34.8% | 5.1% | 21.9% | 22.1% | 4.6% | −2.2% | −5.0% | 32.9% |
| EPS growth | — | — | — | — | — | — | — | — | — | 32.0% |
| FCF growth | — | −15.4% | 34.5% | 2.2% | 27.6% | 0.1% | 15.0% | −5.4% | 4.8% | 1.9% |
| Share count change | — | — | — | — | — | — | — | — | — | 0.9% |
| Financial health | ||||||||||
| Loans / deposits | 95.6% | 88.8% | 94.2% | 97.8% | 89.6% | 77.6% | 80.2% | 93.2% | 91.7% | — |
| Provision / loans | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | — |
| Capital allocation | ||||||||||
| Capex / revenue | 1.7% | 2.0% | 0.3% | 3.0% | 1.3% | 2.3% | 1.5% | 1.5% | 1.9% | 1.6% |
| Payouts / FCF | 26.1% | 32.8% | 26.5% | 27.6% | 22.4% | 25.8% | 24.6% | 25.7% | 24.8% | 26.0% |
| Quality scores | ||||||||||
| Accruals ratio | −0.6% | −0.3% | −0.3% | −0.3% | −0.3% | −0.1% | −0.2% | −0.1% | −0.3% | 0.1% |
Source: SEC EDGAR XBRL filings (CIK 0000718413). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.