Community Bancorp /Vt
CMTV Nasdaq· National Commercial Banks
Last close · Oct 27, 2026
$41.89
KIRA · Stoqly’s AI analyst, in plain words
- Community Bancorp /Vt had $48.8M of revenue in fiscal 2025, up 16.7% on the year before. Over five years, revenue changed +6.9% a year on average.
- Community Bancorp /Vt made $17.0M of net profit in fiscal 2025.
- Community Bancorp /Vt returned $4.0M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count rose 0.9%.
- It earned 16.0% on shareholders’ money. Running costs took 55.4% of revenue (the efficiency ratio; lower is better).
Market cap
$234M
P/E
12.7x
Revenue
$48.8M
Net income
$17.0M
Return on equity
16.0%
Efficiency ratio
55.4%
Community Bancorp /Vt in 30 seconds · fiscal 2025
Are sales growing?
+16.7%
Yes. Sales grew 16.7% last year.
Does it make a profit?
34.8%
Yes. It keeps 34.8% of every sale as profit.
How lean are its costs?
55.4%
Average. Running costs take 55.4% of revenue.
How much does it earn on its capital?
16.0%
Good. It earns 16.0% a year on shareholders’ money.
How is the share priced?
12.7x
One share costs 12.7 times its yearly profit per share.
What Community Bancorp /Vt does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 27, 2026
- Legal name
- COMMUNITY BANCORP /VT
- CIK
- 0000718413
Community Bancorp /Vt · CMTV
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $38.4M | $39.7M | $41.4M | $41.8M | $48.8M |
| Revenue growth | 9.8% | 3.4% | 4.2% | 1.0% | 16.7% |
| Net interest income | $31.7M | $33.1M | $34.2M | $34.6M | $40.9M |
| Net income | $13.1M | $13.7M | $13.4M | $12.8M | $17.0M |
| Net margin | 34.2% | 34.6% | 32.5% | 30.5% | 34.8% |
| Diluted EPS | — | — | — | $2.28 | $3.01 |
| Cash | |||||
| Cash from operations | $14.0M | $15.7M | $14.9M | $15.8M | $16.0M |
| Capital expenditure | $0.9M | $0.6M | $0.6M | $0.8M | $0.8M |
| Free cash flow | $13.1M | $15.1M | $14.3M | $15.0M | $15.3M |
| FCF margin | 34.2% | 38.1% | 34.5% | 35.8% | 31.3% |
| Dividends paid | $3.4M | $3.7M | $3.7M | $3.7M | $4.0M |
| Share count change | — | — | — | — | 0.9% |
| Debt and strength | |||||
| Cash and short-term investments | $110M | $264M | $211M | $271M | $273M |
| Loans, net | $682M | $740M | $836M | $919M | — |
| Deposits | $879M | $923M | $897M | $1.0B | $1.1B |
| Shareholders' equity | $84.8M | $75.2M | $89.0M | $98.0M | $114M |
| Returns and quality | |||||
| Return on equity | 16.2% | 17.2% | 16.4% | 13.6% | 16.0% |
| Return on tangible equity | 17.9% | 21.5% | 17.2% | 14.6% | 16.5% |
| Efficiency ratio | 56.4% | 55.1% | 57.0% | 60.9% | 55.4% |
Insiders bought, 12 months
$0.5M
11 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Community Bancorp /Vt · CMTV
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $41.89 a share, the company is worth $234M: 12.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000718413). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.