CMTVNasdaqNational Commercial BanksFiscal year ends December 31
COMMUNITY BANCORP /VT
Financials through Q1 FY2026, quarter ended Mar 31, 2026Last filing: 10-Q on Aug 14, 2026
$40.70−0.74 (-1.79%)
Close on Oct 19, 2026
- Market cap
- $227.36M
- P/E (TTM)
- 12.8
- Dividend yield
- 2.41%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
34.8%+4.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +16.7% | +7.1% | +6.9% | +6.5% | |
| Net income | +32.9% | +7.3% | +9.5% | +13.4% | |
| EPS, diluted | +32.0% | – | – | – | |
| Free cash flow | +1.9% | +0.3% | +3.1% | +12.9% | |
| Dividend per share | +4.3% | +2.1% | +5.2% | +4.4% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.4% | 14.7% | 16.0% | |
| Return on assets | 0.9% | 1.3% | 1.3% | |
| Capex to revenue | 1.7% | 1.3% | 1.6% | |
| Diluted shares | 5M | 5M | 6M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Community Bancorp generated $76.53M from operations and spent $22.17M on capital expenditure, dividends and share buybacks. 17% of that went back into the business.
Generated
$76.53M
Used
$22.17M
Capital expenditure$3.72M17%Dividends$18.45M83%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin34.8%
×Asset turnover0.04×
×Equity multiplier11.98×
=Return on equity, FY202516.0%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 34.8% | 0.04× | 11.98× | 16.0% |
| FY2024 | 30.5% | 0.04× | 12.55× | 13.6% |
| FY2023 | 32.5% | 0.04× | 13.13× | 16.4% |
| FY2022 | 34.6% | 0.04× | 12.97× | 17.2% |
| FY2021 | 34.2% | 0.04× | 11.96× | 16.2% |
| FY2020 | 30.7% | 0.04× | 11.33× | 14.7% |
| FY2019 | 28.0% | 0.04× | 11.09× | 13.4% |
| FY2018 | 27.3% | 0.04× | 11.51× | 13.9% |
| FY2017 | 21.5% | 0.04× | 11.61× | 11.1% |
| FY2016 | 20.3% | 0.04× | 11.65× | 10.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$16.97M
- Cash generatingOperating cash flow above zero$16.05M
- Return on assets improvedROA up on the prior year1.2% → 1.4%
- Earnings backed by cashOperating cash flow above net income$16.05M vs $16.97M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise6M → 6M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04