COMMUNITY BANCORP /VT CMTV

Financials SIC 6021 - National Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

The Company. The Company ("we", "us", "our") was organized under the laws of the State of Vermont in 1982 and became a registered bank holding company under the Bank Holding Company Act of 1956, as amended, in October 1983 when Community National Bank, headquartered in Derby, Vermont, reorganized into a holding company structure. The Bank is the Company's only subsidiary and principally all of our business operations are presently conducted through it. Therefore, the following narrative and the other information about the Company contained in this report are based primarily on the Bank's operations.

The Bank; Banking Services. Community National Bank was organized in 1851 as the Peoples Bank, and was subsequently reorganized as the National Bank of Derby Line in 1865. In 1975, after 110 continuous years of operation as the National Bank of Derby Line, the Bank acquired the Island Pond National Bank and changed its name to "Community National Bank." On December 31, 2007, the Company completed its acquisition of LyndonBank, a Vermont bank headquartered in Lyndonville, Vermont, in a cash merger transaction. As a result of the merger, we expanded our existing branch network in Caledonia and Orleans Counties and extended it into Lamoille and Franklin Counties. In addition to our main office in Derby, we currently maintain eleven branch offices in northeastern and central Vermont and loan production offices in Chittenden County, in northwestern Vermont, and Grafton County, in western New Hampshire.

Last close 42.31 2026-10-23
Market cap $237.0M 2026-06-30 share count
52-week range 29.52 - 43.95

Valuation FY2025 figures against the last close

P/S3.9x
P/E14.1x
P/FCF15.5x
EV/EBITDA—
Dividend yield1.7%
Diluted EPS3.01

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $60.9M$55.0M$46.9M$37.1M$34.8M$33.1M$31.8M$29.1M$26.4M$24.2M
Interest expense $20.0M$20.4M$12.7M$4.0M$3.1M$4.8M$6.1M$4.5M$3.1M$2.7M
Pre-tax income $20.4M$15.2M$16.3M$16.9M$16.1M$13.0M$10.6M$10.1M$9.1M$7.4M
Income tax $3.4M$2.4M$2.9M$3.1M$3.0M$2.2M$1.8M$1.7M$2.9M$1.9M
Net income $17.0M$12.8M$13.4M$13.7M$13.1M$10.8M$8.8M$8.4M$6.2M$5.5M
EPS, basic 3.012.282.432.532.452.031.681.611.211.07
EPS, diluted 3.012.28————————
Shares, diluted (wtd. avg.) 5.6M5.6M5.5M5.4M5.3M5.3M5.2M5.1M5.1M5.0M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $128.1M$110.9M$20.4M$71.1M$110.4M$115.0M$48.6M$67.9M$10.7M$10.9M
Short-term investments $144.5M$159.7M$190.7M$192.9M——————
Property, plant and equipment $12.1M$12.1M$12.4M$13.0M$13.8M$10.2M$11.0M$9.7M$10.3M$10.8M
Goodwill $11.6M$11.6M$11.6M$11.6M$11.6M$11.6M$11.6M$11.6M$11.6M$11.6M
Other intangibles —————————$272.7K
Total assets $1.29B$1.25B$1.10B$1.06B$1.02B$918.2M$738.0M$720.3M$667.0M$637.7M
Total liabilities $1.17B$1.15B$1.01B$980.9M$934.3M$840.9M$669.1M$657.7M$609.1M$583.2M
Retained earnings $73.0M$61.6M$54.2M$46.5M$37.8M$29.4M$22.7M$17.9M$13.4M$10.7M
Total equity $113.7M$98.0M$89.0M$75.2M$84.8M$77.3M$68.9M$62.6M$57.9M$54.5M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $16.0M$15.8M$14.9M$15.7M$14.0M$13.6M$11.2M$10.2M$8.1M$9.3M
Depreciation and amortisation ————$1.1M$894.7K$930.0K$981.7K$1.0M$1.0M
Capital expenditure $780.8K$791.8K$633.5K$615.5K$895.7K$452.4K$952.4K$91.0K$575.1K$452.0K
Investing cash flow -$16.2M-$56.6M-$92.1M-$95.0M-$104.6M-$117.0M-$37.0M-$29.5M-$18.5M-$45.2M
Financing cash flow $17.3M$131.3M$26.5M$40.0M$85.9M$169.9M$6.4M$44.7M$23.5M$36.7M
Dividends paid $4.0M$3.7M$3.7M$3.7M$3.4M$2.9M$2.8M$2.7M$2.5M$2.3M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0002077096-26-000057.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 20M 40M 60M 80M Revenue, FY2016: 24.2M Net income, FY2016: 5.5M Revenue, FY2017: 26.4M Net income, FY2017: 6.2M Revenue, FY2018: 29.1M Net income, FY2018: 8.4M Revenue, FY2019: 31.8M Net income, FY2019: 8.8M Revenue, FY2020: 33.1M Net income, FY2020: 10.8M Revenue, FY2021: 34.8M Net income, FY2021: 13.1M Revenue, FY2022: 37.1M Net income, FY2022: 13.7M Revenue, FY2023: 46.9M Net income, FY2023: 13.4M Revenue, FY2024: 55M Net income, FY2024: 12.8M Revenue, FY2025: 60.9M Net income, FY2025: 17M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $24.2M $26.4M $29.1M $31.8M $33.1M $34.8M $37.1M $46.9M $55.0M $60.9M
Gross profit — — — — — — — — — —
Net income $5.5M $6.2M $8.4M $8.8M $10.8M $13.1M $13.7M $13.4M $12.8M $17.0M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Results announced Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Other event Item 8.01
  • Other event Item 8.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

Others in SIC 6021

TickerCompanyMarket capP/ERevenue growth
JPM JPMORGAN CHASE & CO $881.40B 16.6x 2.8%
BAC BANK OF AMERICA CORP /DE/ $353.55B 13.3x 6.8%
WFC WELLS FARGO & COMPANY/MN $249.15B 13.2x -3.8%
C CITIGROUP INC $211.00B 17.3x 5.6%
COF CAPITAL ONE FINANCIAL CORP $125.29B 50.0x 36.3%
USB US BANCORP \DE\ $92.83B 12.9x 4.4%
PNC PNC FINANCIAL SERVICES GROUP, INC. $89.55B 13.5x 7.2%
TFC TRUIST FINANCIAL CORP $59.18B 12.7x -2.1%