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Data-driven stock valuation

Community Bancorp. (CMTV) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Community Bancorp. stock $22.56, price $47.00, that is 52.0% below the price, quality 57 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CB Community Bancorp. logo Broad data Nov 8, 2026

Community Bancorp.

CMTV · US
Solid, but very expensive

Our calculation puts a fair price 52% below what the stock costs today.

Highly profitable · 36.8% net margin (TTM)
2.1% dividend yield · Low payout
Broad data
Quality 57/100
Mixed Growth (revenue 5y +12.1 %/yr in USD)
Moderate moat 61/100
Insiders bought $24,084 (6M)
Fair value $22.56 · Strongly overvalued
Trails peers (5/14)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$47.00 $6.81 Fair Value $22.56 Sep 2019 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $6.81 – $47.00 · fair‑value band $18.98 – $30.58 · the $47.00 price screens above the $22.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

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.

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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.

Stock analysis

Community Bancorp. (CMTV) currently trades at $47.00, while our model-based Fair Value estimate is $22.56, 52% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $32.40 per share, and 0 of the 6 models we run sit above the $47.00 price.

Bear case: the Dividend Discount group reads lowest at $9.24, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $18.98 (bear) to $30.58 (bull), the price of $47.00 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Community Bancorp. Common Stock reported revenue of $68.8M in FY2025 versus $40.2M in FY2021, a compound +14.4%/yr. Reported net income was $17.0M in FY2025, compounding +6.6%/yr from FY2021.

Key figures

Market cap $263M Micro · P/E ratio 14.0 · P/S ratio 5.15 · EPS (TTM) $3.36 · Dividend yield 2.1% · Net margin 36.8% · Return on equity 16.2% · Return on assets (EBIT) 1.5% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (medium confidence).

What moves the price

The share trades at its 52-week high and 109% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −52%, CMTV screens richer than that median.

Fair Value models

Bear $18.98 Fair Value $22.56 Bull $30.58
Price $47.00 · Downside -52.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.02 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $18.98 $22.56 $30.58 76
Gordon GGM $5.53 $9.84 $13.40 68
DDM Multi-Stage $5.53 $8.64 $10.52 67
All 6 models by family
Dividend Discount
Gordon GGM $5.53 $9.84 $13.40 68
DDM Multi-Stage $5.53 $8.64 $10.52 67
Multiples
P/E Multiple $29.49 $39.32 $49.14 63
P/B Multiple $19.11 $25.48 $31.85 55
Asset-Based
NCAV (Graham) $9.10 $12.19 $18.20 54
Economic Profit
Residual Income $18.98 $22.56 $30.58 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 38
How much profit the company makes from its sales and capital
Quality Growth 73
Are margins and returns getting better?
Cashflow 75
Do the profits arrive as real cash?
Financial strength 3
Debt, balance sheet and risk of trouble
Investment 64
Does it invest with discipline instead of growing at any price?
Low Volatility 67
How calm the share price moves, does not count
Price momentum 79
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 100
Distance to the 52-week high, does not count
New shares 79
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors bought shares worth $24,084, most recently on Nov 3, 2026. Buying cluster

  • BuyChristopher L. CaldwellPres/CEO/Dir of Company & Bank, Director3× since Feb 2, 2026: 2,500 shares, avg. $35.43$88,563Nov 3, 2026
  • BuyCarol MartinDirector72 shares at $36.00$2,592Jun 3, 2026
  • BuyWayne LambertonDirector3× since Feb 2, 2026: 3,480 shares, avg. $32.38$112,677Apr 6, 2026
  • BuyLouise M BonvechioExecutive VP & CFO2× since Mar 12, 2026: 1,526 shares, avg. $32.75$49,977Mar 12, 2026
  • BuyJeffrey Lee MooreDirector100 shares at $30.45$3,045Mar 4, 2026
  • BuyDavid LaforceDirector1,035 shares at $30.19$31,243Mar 3, 2026
  • BuyEmma MarvinDirector3,100 shares at $32.50$100,750Feb 13, 2026
  • BuyDavid Mark BouffardDirector500 shares at $31.45$15,725Feb 4, 2026
  • BuyAminta K ConantDirector4,000 shares at $31.50$126,000Feb 2, 2026
  • BuyNikole BrainardPAO-Controller100 shares at $22.94$2,294Jan 14, 2026

Plus 1 more entries from the last 12 months.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 88/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+15.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.1%
Start year 2020 (pandemic). Over 10 years: +9.4% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.8%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.2%
Dividend (yield on the price)2.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8.2% vs 11.2%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.33% → 30%
Pace: the 5-year rate starts in 2020 (pandemic)

CMTV screens overvalued: fair value 52% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside −52.0% · Bottom 25%
Profitability
Return on equity (12 months) 16.2% · Top 25%
Return on assets 1.3% · Top 25%
Net margin (12 months) 36.8% · Above median
Operating margin (12 months) 47.1% · Above median
Growth and dividend
Revenue growth (quarter YoY) 6.0% · Below median
Dividend yield (12 months) 2.1% · Below median
Balance sheet
Debt / equity 0.43× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 14.0× · Pricier than median
P/B 2.31× · Priciest 25%
P/S (12 months) 5.15× · Priciest 25%
Price / free cash flow (fiscal year) 17.2× · Priciest 25%
EV/EBITDA 14.0× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)30 · sector 47
PAST (return on equity)65 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)43 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs CMTV
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs CMTV
BNP Paribas SA BNP €91.93 €106.01 +15% vs CMTV
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs CMTV
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs CMTV
UniCredit S.p.A UCG €76.80 €50.44 −34% vs CMTV
Mizuho Financial Group MFG $9.40 $5.89 −37% vs CMTV
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CMTV
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs CMTV
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs CMTV

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Frequently asked questions

Is Community Bancorp. (CMTV) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $22.56 versus a price of $47.00, about 52% lower (overvalued).
What is the fair value of CMTV?
Our model-based fair value for Community Bancorp. is $22.56 (as of Nov 8, 2026), built from audited fundamentals. The current price: $47.00.
What is the quality score of CMTV?
Community Bancorp. has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Community Bancorp. (CMTV)?
Our model-based price target is the fair value of $22.56 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $18.98, optimistic scenario $30.58. It is a calculation from audited fundamentals, not an analyst target.
What is the Community Bancorp. Common Stock stock forecast for 2026?
Our models put fair value at $22.56, about 52% lower versus a price of $47.00 (overvalued). Cautious scenario $18.98, optimistic scenario $30.58. The calculation is refreshed regularly with new filings.
What is the revenue of Community Bancorp. (CMTV)?
Community Bancorp. reported trailing-twelve-month revenue of about $51.1M (latest available figure, as of Nov 8, 2026).
Does Community Bancorp. Common Stock pay a dividend?
Community Bancorp. currently shows a dividend yield of 2.15% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Community Bancorp. (CMTV) and when is the ex-dividend date?
Community Bancorp. pays a dividend of $1.01 per share a year, a dividend yield of 2.1%. The last ex-dividend date was Oct 15, 2026. A dividend has been paid every year since at least 1995. The payout ratio is 30.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Community Bancorp. (CMTV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Community Bancorp. it is $22.56 per share (as of Nov 8, 2026), against a price of $47.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Community Bancorp. Common Stock stock overvalued or undervalued in 2026?
As of Nov 8, 2026, CMTV trades above its calculated fair value: price $47.00, fair value $22.56, a gap of about −52% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CMTV?
No. The price is what the market pays today ($47.00); the fair value is what the company's own numbers justify ($22.56). For Community Bancorp. the two are $24.44 per share apart. That gap is exactly why we show both numbers side by side.
How much is Community Bancorp. Common Stock worth?
The market values Community Bancorp. at about $263M (market capitalisation, as of Nov 8, 2026). Per share that is $47.00; our models calculate a fair value of $22.56 per share.
What do the bullish and bearish scenarios say about CMTV?
Our models span a range for Community Bancorp.: cautious scenario $18.98, base $22.56, optimistic $30.58 per share (as of Nov 8, 2026, price $47.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CMTV?
Community Bancorp. trades at a price-to-earnings ratio of 14.0 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.56 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2017, FY2018, FY2019 ex one-offs: 8.3. Other multiples: P/B 2.3, P/S 5.2, EV/EBITDA 14.0.
How solid is the balance sheet of Community Bancorp. (CMTV)?
Balance-sheet figures for Community Bancorp. (as of Nov 8, 2026): return on equity 16.2%, debt of 0.43 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is CMTV from its 52-week high?
Community Bancorp. trades at $47.00, at its 52-week high of $47.00 and 109% above the low of $22.44 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $22.56 is for.
Which stocks are comparable to Community Bancorp. Common Stock?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Community Bancorp. Common Stock stock attractive at the current price?
The data as of Nov 8, 2026: price $47.00, calculated fair value $22.56 (−52%), Quality Score 57/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CMTV calculated?
We run Community Bancorp. through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $22.56 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Community Bancorp. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Community Bancorp. (CMTV)?
The closing price on Nov 6, 2026 was $47.00. Our model-based fair value is $22.56, about 52% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Community Bancorp. Common Stock right now?
The price sits above even our optimistic bull case ($30.58). The favourable scenario is already priced in. Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Community Bancorp. (CMTV) come from?
Earnings per share at Community Bancorp. grew +10.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.4 %, EBIT margin +1.8 %, tax rate +1.3 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Community Bancorp.

How large is the market capitalisation of Community Bancorp. (CMTV)?
The market capitalisation of Community Bancorp. is $263M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Community Bancorp. (CMTV)?
The price-to-sales ratio of Community Bancorp. is 5.15 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Community Bancorp. (CMTV)?
Earnings per share at Community Bancorp. are $3.36 (price ÷ EPS = P/E 14.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Community Bancorp. (CMTV)?
The dividend yield of Community Bancorp. is 2.1% (payout 30.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Community Bancorp. (CMTV)?
The net margin of Community Bancorp. is 36.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Community Bancorp. (CMTV)?
The return on equity (ROE) of Community Bancorp. is 16.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Community Bancorp. (CMTV)?
On an EBIT basis the return on assets of Community Bancorp. is 1.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Community Bancorp. (CMTV)?
The operating margin of Community Bancorp. is 47.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Community Bancorp. (CMTV)?
Revenue at Community Bancorp. is growing +6.0% versus a year earlier (3y avg +16.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Community Bancorp. (CMTV)?
Earnings per share at Community Bancorp. are growing +7.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Community Bancorp. (CMTV) generate?
The free cash flow of Community Bancorp. is $15.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Community Bancorp. (CMTV) carry?
The net debt of Community Bancorp. is $78.6M (fiscal year 2025, ≈ 5.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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