Community Bancorp. Common Stock (CMTV)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Community Bancorp is a 125-employee bank holding company serving northern and central Vermont. It is not a wide-moat enterprise; small regional banks compete on local relationships, deposits and credit discipline, but they are price-takers on rates and exposed to local real estate. Still, the filed numbers are respectable. In fiscal 2025, net income was $17.0M and diluted EPS $3.01, up from $12.8M and $2.28 in fiscal 2024. Fiscal 2023 was $13.4M and $2.43, so the record is steady but not unbroken. In fiscal Q2 2026 (quarter ended 2026-06-30), net income was $4.7M and diluted EPS $0.84, versus $4.1M and $0.72 in fiscal Q2 2025. FairStock calculations at the 2026-10-13 close of $42.33 show P/E 12.87, P/B 1.96, ROE 16.23%, PEG 0.83, dividend yield 2.46%, beta 0.37, Piotroski F-Score 6/9 and a FairStock score of 65/100. The Lynch category is Stalwart, with profit growth of about 9.5% a year over five years. I like the profitability and low beta; a P/E near 13 for a 16% ROE bank is not demanding. But P/B near 2 is not a Graham bargain for a small bank. Critical bank data—CET1, net interest margin, nonperforming loans, reserves and credit costs—is absent, and D/E is N/A. Combined ratio is also not provided. Without those, underwriting risk cannot be judged. This looks like a fair-to-slightly-full price for a steady local bank, not a screaming bargain.

In plain English: Community Bancorp is a small bank holding company in Vermont. It earns steady profits and grew them over the last year, though earlier results were a bit uneven. The stock looks moderately priced against earnings and somewhat rich against the bank's accounting value.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer