📊 CMTV Key Takeaways
Investment Thesis
Community Bancorp demonstrates solid profitability with 27.5% net margins and strong revenue growth of 58.8% YoY, supported by healthy free cash flow of 9.2M. However, weak interest coverage of 1.0x and marginal ROA of 1.0% raise concerns about operational efficiency and earnings quality relative to asset base, which is concerning for a bank.
CMTV Strengths
- Strong revenue growth of 58.8% YoY indicating solid business expansion
- Excellent net profit margin of 27.5% showing operational efficiency
- Conservative capital structure with low debt-to-equity ratio of 0.05x
- Positive free cash flow generation of 9.2M with 20.4% FCF margin
- Adequate liquidity with 60.9M in cash equivalents
CMTV Risks
- Critically weak interest coverage ratio of 1.0x indicating minimal cushion for debt servicing
- Very low return on assets of 1.0% suggests inefficient asset utilization typical of banking sector challenges
- Marginal ROE of 11.0% is below industry benchmarks for healthy banks
- Net income growth of only 1.0% YoY significantly lags revenue growth, indicating margin compression or cost pressures
- High insider activity with 13 Form 4 filings in 90 days requires monitoring for potential concerns
Key Metrics to Watch
- Net Interest Margin trend and yield curve sensitivity
- Loan loss provisions and non-performing loan ratios
- Deposit growth and customer acquisition trends
- Interest coverage improvement trajectory
- ROA and ROE progression toward industry averages
- Operating efficiency ratio and cost-to-income trends
CMTV Financial Metrics
💡 AI Analyst Insight
The 20.4% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CMTV Profitability Ratios
CMTV vs Finance Sector
How COMMUNITY BANCORP /VT compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CMTV Balance Sheet & Liquidity
CMTV 5-Year Financial Trend
5-Year Trend Summary: COMMUNITY BANCORP /VT's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.43 reflects profitable operations.
CMTV Growth Metrics (YoY)
CMTV Capital Allocation
CMTV SEC Filings
Access official SEC EDGAR filings for COMMUNITY BANCORP /VT (CIK: 0000718413)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CMTV
What is the AI rating for CMTV?
COMMUNITY BANCORP /VT (CMTV) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CMTV's key strengths?
Strong revenue growth of 58.8% YoY indicating solid business expansion. Excellent net profit margin of 27.5% showing operational efficiency.
What are the risks of investing in CMTV?
Critically weak interest coverage ratio of 1.0x indicating minimal cushion for debt servicing. Very low return on assets of 1.0% suggests inefficient asset utilization typical of banking sector challenges.
What is CMTV's revenue and growth?
COMMUNITY BANCORP /VT reported revenue of $44.8M.
Does CMTV pay dividends?
COMMUNITY BANCORP /VT pays dividends, with $2.9M distributed to shareholders in the trailing twelve months.
Where can I find CMTV SEC filings?
Official SEC filings for COMMUNITY BANCORP /VT (CIK: 0000718413) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CMTV's EPS?
COMMUNITY BANCORP /VT has a diluted EPS of $2.18.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.