Is Community Bancorp (CMTV) Overvalued?
We dive into why Community Bancorp (CMTV) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Tudor Pop
A+ Stock Grade Summary:
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COMPANY SUMMARY
Community Bancorp. operates as the bank holding company for Community National Bank that provides various financial services to individuals, businesses, nonprofit organizations, and municipalities in northern and central Vermont. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as standby letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, card processing, and remote deposit capture. It also provides commercial real estate lending products comprising financing for commercial developers and investors, residential builders and developers, and community development entities, including credit products to facilitate the purchase of land and/or build structures for business; 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. In addition, the company offers residential real estate lending products, such as fixed-rate and adjustable rate residential mortgage and home equity loans; and retail credit services, which includes personal, automobile, and boat/recreational vehicle loans. Further, the company provides municipal and institutional banking services comprising deposit account services, term and tax-exempt loans, and lines of credit to state and local governments, schools, charities, membership, and not-for-profit associations. Additionally, it offers consumer banking services, including checking accounts, savings programs, ATMs, debit and credit cards, night deposit facilities, and online, mobile and telephone banking services. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.
Commentary & Analysis
Why Community Bancorp’s (CMTV) Stock Is Down 5.76%
As of Monday, July 06, Community Bancorp’s CMTV share price has dipped by 5.76%, which has investors questioning if this is right time to buy.Jenna Brashear
Why Community Bancorp’s (CMTV) Stock Is Up 6.96%
As of Tuesday, June 16, Community Bancorp’s CMTV share price has surged by 6.96%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why Community Bancorp’s (CMTV) Stock Is Down 6.32%
As of Monday, June 15, Community Bancorp’s CMTV share price has dipped by 6.32%, which has investors questioning if this is right time to buy.Jenna Brashear
Why Community Bancorp’s (CMTV) Stock Is Up 7.36%
As of Friday, June 05, Community Bancorp’s CMTV share price has surged by 7.36%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Financial Summary
| Share Statistics | CMTV | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $230.8 | $751.0 | 28% |
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| Shares Out (Mil) | 5.6 | 15.4 | 14% |
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| Institutional Ownership | 70.6% | 83.2% | 43% |
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| Float (Mil) | 4.8 | 21.8 | 12% |
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| Beta | na | 0.43 | na |
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| Avg Daily Volume (000s) | 35 | 42 | 24% |
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| Price Change (52-week) |
110.0% | 94.6% | 92% |
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| Growth | CMTV | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 7.3% | 7.7% | 47% |
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| Net Income (5yr) | 9.5% | 11.1% | 54% |
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| EPS (5yr) | 8.2% | 10.1% | 43 |
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| Dividends (5yr) | 5.2% | 3.6% | 78% |
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| Cash Flow (5yr) | (24.7%) | (17.1%) | 26% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | CMTV | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $50 | $196 | 20% |
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| Net Income (TTM) (Mil) | $18 | $55 | 48% |
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| EPS (TTM) | $3.289 | $2.600 | 79% |
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| Operating Cash Flow (TTM) (Mil) | $21 | $36 | 41% |
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| Net Cash Flow (TTM) (Mil) | $11 | $2 | 57% |
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| Long-Term Debt (Q1) (Mil) | $17 | $101 | 32% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CMTV | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.91 | 1.25 | 48% |
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| P/E | 12.5 | 12.5 | 28% |
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| Dividend Yield | 2.4% | 2.2% | 80% |
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| PEG (5yr hist) | 1.5 | 1.1 | 60% |
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| Ratios | CMTV | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 36.7% | 29.1% | 93% |
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| ROA | 1.6% | 1.1% | 53% |
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| ROE | 16.3% | 11.3% | 74% |
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| Liabilities to Assets | 89.7% | 89.7% | 85% |
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| F-Score | 6 | 4 | 67% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
