1.Sales and profit
See section β- 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
CMTV Nasdaq National Commercial Banks Financials FY2016βFY2025
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.
Last close Β· Oct 23, 2026
$42.31
2.6%KIRAβs summary AI analyst
Hi! I read Community Bancorp /Vtβs latest annual report (fiscal 2025). Here is what stands out:
3 strengths
2.Cash and shareholders
See section β- Community Bancorp /Vt returned $4.0M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count rose 0.9%.
- In the last 12 months, insiders bought $0.5M of shares on the open market and sold none.
3.Financial health
See section β- It earned 16.0% on shareholdersβ money. Running costs took 55.4% of revenue (the efficiency ratio; lower is better).
Community Bancorp /Vt in 30 seconds
Good So-so Weak
Good
Are sales growing?
+16.7%
Yes. Sales grew 16.7% last year.
Good
Does it make a profit?
34.8%
Yes. It keeps 34.8% of every sale as profit.
So-so
How lean are its costs?
55.4%
Average. Running costs take 55.4% of revenue.
Good
How much does it earn on its capital?
16.0%
Good. It earns 16.0% a year on shareholdersβ money.
For information
How is the share priced?
12.9x
One share costs 12.9 times its yearly profit per share.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
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)
Charts by
Sales and profit
Is it selling more, and how much does it keep?
Revenue and margins
KIRA Β· 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.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
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
Revenue
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
Net interest income share and efficiency ratio
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
Net interest income share and 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
KIRA Β· Community Bancorp /Vt made $17.0M of net profit in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
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
Net income
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
Diluted EPS
FY16
Diluted EPS β
FY17
Diluted EPS β
FY18
Diluted EPS β
FY19
Diluted EPS β
FY20
Diluted EPS β
FY21
Diluted EPS β
FY22
Diluted EPS β
FY23
Diluted EPS β
FY24
Diluted EPS $2.28
FY25
Diluted EPS $3.01
Diluted EPS
Q3 '23
Diluted EPS β
Q4 '23
Diluted EPS β
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
Cash and shareholders
How much cash comes in, and where does it go?
Dividends, buybacks and share count
KIRA Β· Community Bancorp /Vt returned $4.0M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count rose 0.9%.
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
FY16
Dividends $2.3M
Buybacks β
FY17
Dividends $2.5M
Buybacks β
FY18
Dividends $2.7M
Buybacks β
FY19
Dividends $2.8M
Buybacks β
FY20
Dividends $2.9M
Buybacks β
FY21
Dividends $3.4M
Buybacks β
FY22
Dividends $3.7M
Buybacks β
FY23
Dividends $3.7M
Buybacks β
FY24
Dividends $3.7M
Buybacks β
FY25
Dividends $4.0M
Buybacks β
Dividends
Buybacks
Dividends and buybacks
Q3 '23
Dividends $0.9M
Buybacks β
Q4 '23
Dividends $0.9M
Buybacks β
Q1 '24
Dividends $0.9M
Buybacks $0.0M
Q2 '24
Dividends $0.9M
Buybacks β
Q3 '24
Dividends $0.9M
Buybacks β
Q4 '24
Dividends $1.0M
Buybacks β
Q1 '25
Dividends $1.0M
Buybacks $0.0M
Q2 '25
Dividends $1.0M
Buybacks β
Q3 '25
Dividends $1.0M
Buybacks β
Q4 '25
Dividends $1.0M
Buybacks β
Q1 '26
Dividends $1.0M
Buybacks β
Q2 '26
Dividends $1.0M
Buybacks β
Dividends
Buybacks
Diluted shares outstanding (annual)
FY16
Diluted shares β
FY17
Diluted shares β
FY18
Diluted shares β
FY19
Diluted shares β
FY20
Diluted shares β
FY21
Diluted shares β
FY22
Diluted shares β
FY23
Diluted shares β
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
Insider trades
KIRA Β· In the last 12 months, insiders bought $0.5M of shares on the open market and sold none.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. βPlanβ marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.5M
11 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
β
$0.0M
| Date | Insider | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Jun 3, 2026 | Carol MartinDirector | Bought | 72 | $36.00 | $0.0M | Form 4 |
| Apr 6, 2026 | Christopher L. CaldwellPres/CEO/Dir of Company & Bank, Director | Bought | 1,000 | $35.30 | $0.0M | Form 4 |
| Apr 6, 2026 | Wayne LambertonDirector | Bought | 1,350 | $34.32 | $0.0M | Form 4 |
| Mar 12, 2026 | Louise M BonvechioExecutive VP & CFO | Bought | 763 | $32.75 | $0.0M | Form 4 |
| Mar 12, 2026 | Louise M BonvechioExecutive VP & CFO | Bought | 763 | $32.75 | $0.0M | Form 4 |
| Mar 10, 2026 | Wayne LambertonDirector | Bought | 130 | $30.50 | $0.0M | Form 4 |
| Mar 4, 2026 | Jeffrey Lee MooreDirector | Bought | 100 | $30.45 | $0.0M | Form 4 |
| Mar 3, 2026 | David LaforceDirector | Bought | 895 | $30.00 | $0.0M | Form 4 |
| Feb 20, 2026 | David LaforceDirector | Bought | 140 | $31.38 | $0.0M | Form 4 |
| Feb 13, 2026 | Emma MarvinDirector | Bought | 3,100 | $32.50 | $0.1M | Form 4 |
| Feb 4, 2026 | David Mark BouffardDirector | Bought | 500 | $31.45 | $0.0M | Form 4 |
| Feb 2, 2026 | Aminta K ConantDirector | Bought | 4,000 | $31.50 | $0.1M | Form 4 |
| Feb 2, 2026 | Christopher L. CaldwellPres/CEO/Dir of Company & Bank, Director | Bought | 1,000 | $31.77 | $0.0M | Form 4 |
| Feb 2, 2026 | Wayne LambertonDirector | Bought | 2,000 | $31.19 | $0.1M | Form 4 |
| Jan 14, 2026 | Nikole BrainardPAO-Controller | Bought | 100 | $22.94 | $0.0M | Form 4 |
| Jan 13, 2026 | Bruce D BakerDirector | Bought | 180 | $28.00 | $0.0M | Form 4 |
| Oct 23, 2025 | David Mark BouffardDirector | Sold | 2 | $22.65 | $0.0M | Form 4 |
| Aug 1, 2025 | David LaforceDirector | Bought | 95 | $23.17 | $0.0M | Form 4 |
| Feb 28, 2025 | David LaforceDirector | Bought | 112 | $18.47 | $0.0M | Form 4 |
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Loans, deposits and capital at each fiscal year end.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Loans and deposits
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 β
Deposits $1.1B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $682M | $740M | $836M | $919M | β |
| Deposits | $879M | $923M | $897M | $1.0B | $1.1B |
| Loans / deposits | 77.6% | 80.2% | 93.2% | 91.7% | β |
| 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% | β |
Returns and efficiency
KIRA Β· It earned 16.0% on shareholdersβ money. Running costs took 55.4% of revenue (the efficiency ratio; lower is better).
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
In plain words: Return on equity is the profit made on shareholdersβ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
Return on equity, return on tangible equity and efficiency ratio
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
All figures
Every number, year by year.
10 years of figures
Amounts in USD. Hover a ratioβs name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| 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 | β | β | β | β | β | β | β | β | $2.28 | $3.01 |
| Diluted shares | β | β | β | β | β | β | β | β | 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 | β | β | $67.9M | $48.6M | $115M | $110M | $264M | $211M | $271M | $273M |
| Finance lease liabilities | β | β | $0.3M | $0.1M | β | β | β | $3.4M | $3.2M | $3.0M |
| Loans, net | $482M | $498M | $573M | $601M | $701M | $682M | $740M | $836M | $919M | β |
| 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 | β | β | β | β | β | β | β | β | β |
| 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 | β | 7.0% | 6.4% | 2.4% | 10.9% | 9.8% | 3.4% | 4.2% | 1.0% | 16.7% |
| Net income growth | β | 13.6% | 34.8% | 5.1% | 21.9% | 22.1% | 4.6% | β2.2% | β5.0% | 32.9% |
| EPS growth | β | β | β | β | β | β | β | β | β | 32.0% |
| FCF growth | β | β15.4% | 34.5% | 2.2% | 27.6% | 0.1% | 15.0% | β5.4% | 4.8% | 1.9% |
| Share count change | β | β | β | β | β | β | β | β | β | 0.9% |
| Financial health | ||||||||||
| Loans / deposits | 95.6% | 88.8% | 94.2% | 97.8% | 89.6% | 77.6% | 80.2% | 93.2% | 91.7% | β |
| Provision / loans | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | β |
| 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 | β0.6% | β0.3% | β0.3% | β0.3% | β0.3% | β0.1% | β0.2% | β0.1% | β0.3% | 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 β not investment advice. Check the original filings before relying on any figure.