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Community Bancorp (CMTV) Financials

Community Bancorp logo
$40.82 +0.35 (+0.86%)
Closing price 09/25/2026 04:00 PM Eastern
Extended Trading
$40.78 -0.04 (-0.09%)
As of 09/25/2026 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Community Bancorp

Annual Income Statements for Community Bancorp

This table shows Community Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024 2025
Period end date 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 14 13 13 17
Consolidated Net Income / (Loss)		 14 13 13 17
Net Income / (Loss) Continuing Operations		 14 13 13 17
Total Pre-Tax Income 		17 16 15 20
Total Revenue		 40 41 42 49
Net Interest Income / (Expense)		 33 34 35 41
Total Interest Income		 37 47 55 61
Loans and Leases Interest Income		 33 42 50 55
Investment Securities Interest Income		 3.40 4.31 4.18 4.15
Federal Funds Sold and Securities Borrowed Interest Income		 1.16 0.77 1.19 1.27
Total Interest Expense		 4.03 13 20 20
Deposits Interest Expense		 3.20 9.34 14 16
Long-Term Debt Interest Expense		 0.57 1.05 1.10 0.96
Federal Funds Purchased and Securities Sold Interest Expense		 0.25 2.30 5.16 3.01
Total Non-Interest Income		 6.64 7.18 7.18 7.91
Other Service Charges		 6.04 6.67 6.81 7.50
Net Realized & Unrealized Capital Gains on Investments		 0.61 0.04 0.37 0.41
Provision for Credit Losses		 0.98 1.48 1.13 1.37
Total Non-Interest Expense		 22 24 25 27
Salaries and Employee Benefits		 11 12 13 14
Net Occupancy & Equipment Expense		 2.81 2.81 2.74 3.04
Other Operating Expenses		 7.98 8.54 9.51 10
Income Tax Expense		 3.14 2.90 2.44 3.44
Weighted Average Basic Shares Outstanding		 5.40M 5.47M 5.60M 5.58M
Diluted Earnings per Share		 - - $2.28 $3.01
Weighted Average Diluted Shares Outstanding		 - 5.51M 5.55M 5.60M
Weighted Average Basic & Diluted Shares Outstanding		 - 5.51M 5.60M 5.58M
Cash Dividends to Common per Share		 $0.92 $0.92 $0.94 $0.98

Quarterly Income Statements for Community Bancorp

This table shows Community Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 3.36 2.82 2.73 3.11 3.53 4.06 4.75 4.37 4.69
Consolidated Net Income / (Loss)		 3.36 2.82 2.73 3.11 3.53 4.06 4.75 4.37 4.69
Net Income / (Loss) Continuing Operations		 3.36 2.82 2.73 3.11 3.53 4.06 4.75 4.37 4.69
Total Pre-Tax Income 		4.09 3.38 3.27 3.70 4.19 4.88 5.75 5.24 5.67
Total Revenue		 10 9.99 9.87 11 11 12 13 13 14
Net Interest Income / (Expense)		 8.43 8.36 8.10 8.66 9.44 9.89 11 11 11
Total Interest Income		 12 13 13 14 15 15 15 16 16
Loans and Leases Interest Income		 11 12 12 13 13 14 14 14 15
Investment Securities Interest Income		 1.07 1.10 1.08 1.03 0.99 1.09 1.06 0.94 0.87
Federal Funds Sold and Securities Borrowed Interest Income		 0.09 0.09 0.05 0.20 0.32 0.07 0.15 0.66 0.42
Total Interest Expense		 3.66 4.50 5.10 5.31 5.09 4.96 4.91 5.08 4.79
Deposits Interest Expense		 2.50 3.08 3.36 3.68 4.19 3.97 3.77 4.18 4.01
Long-Term Debt Interest Expense		 0.28 0.28 0.28 0.28 0.24 0.24 0.24 0.22 0.22
Federal Funds Purchased and Securities Sold Interest Expense		 0.88 1.14 1.45 1.35 0.66 0.74 0.90 0.68 0.56
Total Non-Interest Income		 1.71 1.63 1.77 2.01 1.58 2.06 2.10 1.75 2.31
Other Service Charges		 1.57 1.55 1.67 1.91 1.33 1.41 1.99 1.50 1.64
Net Realized & Unrealized Capital Gains on Investments		 0.14 - - - - 0.10 - - 0.09
Other Non-Interest Income		 - 0.08 0.10 0.10 0.25 0.55 0.10 0.24 0.58
Provision for Credit Losses		 0.24 0.31 0.33 0.46 0.33 0.41 0.26 0.39 0.72
Total Non-Interest Expense		 5.81 6.30 6.27 6.51 6.50 6.67 6.59 7.06 7.17
Salaries and Employee Benefits		 2.96 3.36 3.24 3.34 3.34 3.45 3.39 3.69 3.74
Net Occupancy & Equipment Expense		 0.66 0.72 0.69 0.68 0.78 0.79 0.75 0.77 0.78
Other Operating Expenses		 2.19 2.22 2.34 2.48 2.38 2.42 2.45 2.59 2.65
Income Tax Expense		 0.72 0.55 0.54 0.58 0.66 0.82 1.01 0.88 0.99
Weighted Average Basic Shares Outstanding		 5.48M 5.53M 5.56M 5.58M 5.62M 5.60M 5.60M 5.59M 5.60M
Diluted Earnings per Share		 - $0.51 $0.49 $0.55 $0.62 $0.72 $0.84 $0.78 $0.84
Weighted Average Diluted Shares Outstanding		 5.49M 5.52M 5.54M 5.56M 5.61M 5.61M 5.61M 5.59M 5.59M
Weighted Average Basic & Diluted Shares Outstanding		 5.49M 5.53M 5.56M 5.58M 5.62M 5.60M 5.60M 5.59M 5.60M
Cash Dividends to Common per Share		 $0.23 $0.23 $0.23 $0.24 $0.24 $0.24 $0.25 $0.25 $0.25

Annual Cash Flow Statements for Community Bancorp

This table details how cash moves in and out of Community Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024 2025
Period end date 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -39 -51 91 17
Net Cash From Operating Activities		 16 15 16 16
Net Cash From Continuing Operating Activities		 18 15 16 16
Net Income / (Loss) Continuing Operations		 14 13 13 17
Consolidated Net Income / (Loss)		 14 13 13 17
Depreciation Expense		 1.14 1.07 1.03 1.05
Amortization Expense		 0.61 0.85 0.96 0.88
Non-Cash Adjustments to Reconcile Net Income		 0.78 -0.38 0.23 -0.49
Changes in Operating Assets and Liabilities, net		 1.57 -1.53 0.98 -2.35
Net Cash From Investing Activities		 0.00 -92 -57 -16
Net Cash From Continuing Investing Activities		 0.00 -92 -57 -16
Purchase of Property, Leasehold Improvements and Equipment		 - -0.63 -0.79 -0.78
Purchase of Investment Securities		 - -13 -7.44 -18
Sale and/or Maturity of Investments		 - 22 36 41
Other Investing Activities, net		 - -100 -84 -38
Net Cash From Financing Activities		 40 26 131 17
Net Cash From Continuing Financing Activities		 0.70 26 154 99
Net Change in Deposits		 8.41 -26 105 69
Issuance of Debt		 - 54 30 10
Repayment of Debt		 -0.21 -0.42 12 37
Repurchase of Preferred Equity		 - - 0.00 -1.50
Payment of Dividends		 -7.49 -3.80 -5.28 -5.52
Other Financing Activities, Net		 - 3.18 13 -9.33
Cash Interest Paid		 4.01 12 19 22
Cash Income Taxes Paid		 2.49 2.87 1.32 2.51

Quarterly Cash Flow Statements for Community Bancorp

This table details how cash moves in and out of Community Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q1 2025 Q1 2026
Period end date 3/31/2024 3/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -4.52 -82 -63
Net Cash From Operating Activities		 1.70 0.38 4.06
Net Cash From Continuing Operating Activities		 1.70 0.38 4.06
Net Income / (Loss) Continuing Operations		 2.82 0.00 0.00
Provision For Loan Losses		 0.31 0.33 0.39
Depreciation Expense		 0.26 0.26 0.25
Amortization Expense		 0.20 0.24 0.52
Non-Cash Adjustments to Reconcile Net Income		 -0.31 2.92 4.02
Changes in Operating Assets and Liabilities, net		 -1.59 -3.36 -1.13
Net Cash From Investing Activities		 -14 -18 -12
Net Cash From Continuing Investing Activities		 -14 -18 -12
Purchase of Property, Leasehold Improvements and Equipment		 -0.29 -0.27 -0.16
Purchase of Investment Securities		 -23 -28 -19
Sale and/or Maturity of Investments		 9.61 9.67 7.05
Net Cash From Financing Activities		 7.30 -64 -55
Net Cash From Continuing Financing Activities		 7.30 -64 -55
Net Change in Deposits		 -13 -22 -53
Issuance of Debt		 31 5.00 0.00
Repayment of Debt		 -0.06 -42 -0.06
Payment of Dividends		 -0.94 -1.00 -1.02
Other Financing Activities, Net		 -9.09 -4.55 -1.44
Cash Interest Paid		 4.30 7.00 5.07

Annual Balance Sheets for Community Bancorp

This table presents Community Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024 2025
Period end date 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,056 1,099 1,249 1,288
Cash and Due from Banks		 12 15 9.88 12
Federal Funds Sold		 59 5.43 101 116
Trading Account Securities		 193 192 162 147
Loans and Leases, Net of Allowance		 739 -9.84 -9.81 954
Loans and Leases		 748 - - 965
Allowance for Loan and Lease Losses		 8.71 9.84 9.81 11
Loans Held for Sale		 - - 0.00 0.14
Premises and Equipment, Net		 13 12 12 12
Deferred Acquisition Cost		 - 0.57 0.65 0.79
Goodwill		 12 12 12 12
Other Assets		 27 872 961 33
Total Liabilities & Shareholders' Equity		 1,056 1,099 1,249 1,288
Total Liabilities		 981 1,010 1,151 1,174
Non-Interest Bearing Deposits		 216 203 198 219
Interest Bearing Deposits		 707 694 804 852
Short-Term Debt		 33 36 49 41
Long-Term Debt		 14 67 85 49
Other Long-Term Liabilities		 11 9.61 15 13
Total Equity & Noncontrolling Interests		 75 89 98 114
Total Preferred & Common Equity		 75 89 98 114
Total Common Equity		 74 88 97 114
Common Stock		 51 52 53 55
Retained Earnings		 46 54 62 73
Treasury Stock		 -2.62 -2.62 -2.62 -4.51
Accumulated Other Comprehensive Income / (Loss)		 -21 -16 -16 -9.61

Quarterly Balance Sheets for Community Bancorp

This table presents Community Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 1,083 1,107 1,100 1,177 1,188 1,167 1,226 1,235 1,173
Cash and Due from Banks		 12 11 15 16 13 12 12 9.51 20
Federal Funds Sold		 5.27 4.68 3.41 34 15 2.16 49 55 5.84
Trading Account Securities		 182 183 178 173 171 162 156 141 130
Loans and Leases, Net of Allowance		 830 856 851 903 -10 -11 951 973 959
Loans and Leases		 840 866 862 913 - - 962 984 971
Allowance for Loan and Lease Losses		 9.49 10 10 9.54 10 11 11 11 12
Loans Held for Sale		 - 0.44 0.20 - 0.49 0.86 1.27 0.30 0.81
Premises and Equipment, Net		 13 12 12 12 12 12 12 12 12
Deferred Acquisition Cost		 - - - 0.63 0.68 0.71 0.74 0.85 0.94
Goodwill		 12 12 12 12 12 12 12 12 12
Other Assets		 29 27 28 26 973 975 28 33 33
Total Liabilities & Shareholders' Equity		 1,083 1,107 1,100 1,177 1,188 1,167 1,226 1,235 1,173
Total Liabilities		 1,004 1,018 1,009 1,079 1,085 1,060 1,114 1,118 1,052
Non-Interest Bearing Deposits		 205 186 160 203 198 202 205 199 205
Interest Bearing Deposits		 696 698 689 727 782 731 803 818 777
Short-Term Debt		 32 27 31 33 44 46 34 40 35
Long-Term Debt		 62 98 120 106 49 69 59 49 24
Other Long-Term Liabilities		 - 8.71 9.61 10 12 12 13 12 11
Total Equity & Noncontrolling Interests		 79 89 91 98 108 106 112 117 121
Total Preferred & Common Equity		 79 89 91 98 103 106 112 117 121
Total Common Equity		 77 88 90 97 107 105 110 117 121
Common Stock		 51 52 53 53 54 54 54 55 56
Retained Earnings		 52 56 57 59 64 66 70 76 79
Treasury Stock		 -2.62 -2.62 -2.62 -2.62 2.66 -3.17 -3.32 -4.53 -4.53
Accumulated Other Comprehensive Income / (Loss)		 -24 -17 -17 -12 -13 -12 -11 -9.78 -9.37

Annual Metrics And Ratios for Community Bancorp

This table displays calculated financial ratios and metrics derived from Community Bancorp's official financial filings.

Metric 2022 2023 2024 2025
Period end date 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - 5,577,794.00 5,604,612.00
DEI Adjusted Shares Outstanding		 - - 5,577,794.00 5,604,612.00
DEI Earnings Per Adjusted Shares Outstanding		 - - 2.29 3.03
Growth Metrics		 - - - -
Revenue Growth		 0.00% 4.17% 1.04% 16.67%
EBITDA Growth		 0.00% -2.02% -5.81% 29.91%
EBIT Growth		 0.00% -3.25% -6.88% 34.21%
NOPAT Growth		 0.00% -2.24% -4.97% 32.93%
Net Income Growth		 0.00% -2.24% -4.97% 32.93%
EPS Growth		 0.00% 0.00% 0.00% 32.02%
Operating Cash Flow Growth		 0.00% -5.11% 5.62% 1.77%
Free Cash Flow Firm Growth		 0.00% 0.00% 52.65% 268.50%
Invested Capital Growth		 0.00% 57.44% 20.60% -12.23%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
Profitability Metrics		 - - - -
EBITDA Margin		 46.89% 44.10% 41.11% 45.78%
EBIT Margin		 42.48% 39.45% 36.36% 41.83%
Profit (Net Income) Margin		 34.59% 32.46% 30.53% 34.78%
Tax Burden Percent		 81.42% 82.27% 83.96% 83.16%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.58% 17.73% 16.04% 16.84%
Return on Invested Capital (ROIC)		 11.22% 8.52% 6.00% 7.77%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.22% 8.52% 6.00% 7.77%
Return on Net Nonoperating Assets (RNNOA)		 7.06% 7.84% 7.64% 8.25%
Return on Equity (ROE)		 18.28% 16.36% 13.65% 16.03%
Cash Return on Invested Capital (CROIC)		 0.00% -36.10% -12.67% 20.80%
Operating Return on Assets (OROA)		 1.60% 1.52% 1.29% 1.61%
Return on Assets (ROA)		 1.30% 1.25% 1.09% 1.34%
Return on Common Equity (ROCE)		 17.91% 16.06% 13.43% 15.91%
Return on Equity Simple (ROE_SIMPLE)		 18.28% 15.09% 13.02% 14.93%
Net Operating Profit after Tax (NOPAT)		 14 13 13 17
NOPAT Margin		 34.59% 32.46% 30.53% 34.78%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 34.98% 36.34% 38.19% 34.83%
Operating Expenses to Revenue		 55.06% 56.97% 60.93% 55.36%
Earnings before Interest and Taxes (EBIT)		 17 16 15 20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 19 18 17 22
Valuation Ratios		 - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.00
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - -
Debt to Equity		 0.63 1.17 1.37 0.79
Long-Term Debt to Equity		 0.19 0.76 0.87 0.43
Financial Leverage		 0.63 0.92 1.27 1.06
Leverage Ratio		 14.05 13.13 12.55 11.98
Compound Leverage Factor		 14.05 13.13 12.55 11.98
Debt to Total Capital		 38.60% 53.82% 57.83% 44.28%
Short-Term Debt to Total Capital		 27.02% 18.81% 21.05% 20.34%
Long-Term Debt to Total Capital		 11.59% 35.01% 36.77% 23.95%
Preferred Equity to Total Capital		 1.23% 0.78% 0.65% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 60.17% 45.41% 41.53% 55.72%
Debt to EBITDA		 2.54 5.68 7.82 4.05
Net Debt to EBITDA		 -1.28 4.56 1.37 -1.69
Long-Term Debt to EBITDA		 0.76 3.70 4.97 2.19
Debt to NOPAT		 3.44 7.72 10.53 5.33
Net Debt to NOPAT		 -1.74 6.20 1.84 -2.22
Long-Term Debt to NOPAT		 1.03 5.02 6.70 2.88
Noncontrolling Interest Sharing Ratio		 2.00% 1.83% 1.60% 0.71%
Liquidity Ratios		 - - - -
Cash Flow Metrics		 - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -57 -27 45
Operating Cash Flow to CapEx		 0.00% 2,356.97% 1,991.58% 2,055.53%
Free Cash Flow to Firm to Interest Expense		 0.00 -4.48 -1.32 2.27
Operating Cash Flow to Interest Expense		 3.90 1.18 0.77 0.80
Operating Cash Flow Less CapEx to Interest Expense		 3.90 1.13 0.74 0.76
Efficiency Ratios		 - - - -
Asset Turnover		 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.05 3.26 3.42 4.04
Capital & Investment Metrics		 - - - -
Invested Capital		 122 193 232 204
Invested Capital Turnover		 0.32 0.26 0.20 0.22
Increase / (Decrease) in Invested Capital		 0.00 70 40 -28
Enterprise Value (EV)		 0.00 0.00 0.00 0.00
Market Capitalization		 0.00 0.00 0.00 0.00
Book Value per Share		 $13.63 $15.93 $17.31 $20.28
Tangible Book Value per Share		 $11.49 $13.83 $15.23 $18.22
Total Capital		 122 193 232 204
Total Debt		 47 104 134 90
Total Long-Term Debt		 14 67 85 49
Net Debt		 -24 83 23 -38
Capital Expenditures (CapEx)		 0.00 0.63 0.79 0.78
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 47 104 134 90
Total Depreciation and Amortization (D&A)		 1.75 1.92 1.99 1.93
Earnings Adjustments		 - - - -
Adjusted Basic Earnings per Share		 $0.00 $2.43 $2.28 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 0.00 5.47M 5.55M 5.58M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $3.01
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 5.51M 5.60M 5.60M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 5.51M 5.60M 5.58M
Normalized Net Operating Profit after Tax (NOPAT)		 14 13 13 17
Normalized NOPAT Margin		 34.59% 32.46% 30.53% 34.78%
Pre Tax Income Margin		 42.48% 39.45% 36.36% 41.83%
Debt Service Ratios		 - - - -
EBIT to Interest Expense		 4.19 1.29 0.75 1.02
NOPAT to Interest Expense		 3.41 1.06 0.63 0.85
EBIT Less CapEx to Interest Expense		 4.19 1.24 0.71 0.98
NOPAT Less CapEx to Interest Expense		 3.41 1.01 0.59 0.81
Payout Ratios		 - - - -
Dividend Payout Ratio		 54.53% 28.26% 41.34% 32.54%
Augmented Payout Ratio		 54.53% 28.26% 41.34% 32.54%

Quarterly Metrics And Ratios for Community Bancorp

This table displays calculated financial ratios and metrics derived from Community Bancorp's official financial filings.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - 5,596,981.00 5,616,854.00 - 5,580,648.00 5,591,253.00
DEI Adjusted Shares Outstanding		 - - - - 5,596,981.00 5,616,854.00 - 5,580,648.00 5,591,253.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - 0.63 0.72 - 0.78 0.84
Growth Metrics		 - - - - - - - - -
Revenue Growth		 2.39% -2.83% -2.31% 5.20% 10.26% 21.06% 18.16% 15.22% 13.45%
EBITDA Growth		 -7.95% -6.73% -17.46% -9.47% 22.10% 49.17% 55.54% 28.26% 16.31%
EBIT Growth		 -7.95% -17.93% -17.46% -9.47% 23.99% 49.17% 55.54% 25.22% 16.31%
NOPAT Growth		 -6.87% -15.45% -14.65% -7.38% 24.89% 48.81% 52.42% 23.93% 15.47%
Net Income Growth		 -6.87% -15.45% -14.65% -7.38% 24.89% 48.81% 52.42% 23.93% 15.47%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 21.57% 46.94% 52.73% 25.81% 16.67%
Operating Cash Flow Growth		 0.00% -52.10% 0.00% 0.00% -77.43% 0.00% 0.00% 960.28% 0.00%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 63.39% 110.32% 110.40% 159.72% -123.32% 85.47%
Invested Capital Growth		 0.00% 0.00% 0.00% 37.71% -8.54% -8.61% -13.57% 4.82% -18.75%
Revenue Q/Q Growth		 0.34% 0.00% -1.18% 8.05% 0.00% 8.50% 5.46% 0.00% 6.83%
EBITDA Q/Q Growth		 3.13% 0.00% -14.80% 13.11% 0.00% 4.08% 17.93% 0.00% -5.62%
EBIT Q/Q Growth		 3.13% 0.00% -3.18% 13.11% 0.00% 16.49% 17.93% 0.00% 8.20%
NOPAT Q/Q Growth		 5.20% 0.00% -3.36% 14.15% 0.00% 15.16% 16.92% 0.00% 7.29%
Net Income Q/Q Growth		 5.20% 0.00% -3.36% 14.15% 0.00% 15.16% 16.92% 0.00% 7.29%
EPS Q/Q Growth		 0.00% 0.00% -3.92% 12.24% 0.00% 16.13% 16.67% 0.00% 7.69%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% -13.00% 74.14% 0.00% 13.89% 48.49% 0.00% 1,005.73%
Invested Capital Q/Q Growth		 0.00% 0.00% 12.78% -1.92% 0.00% 12.70% -7.25% 0.00% -12.64%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 40.29% 38.42% 33.12% 34.67% 42.55% 40.82% 45.64% 47.36% 41.84%
EBIT Margin		 40.29% 33.81% 33.12% 34.67% 38.02% 40.82% 45.64% 41.32% 41.84%
Profit (Net Income) Margin		 33.16% 28.25% 27.63% 29.19% 32.00% 33.96% 37.65% 34.42% 34.57%
Tax Burden Percent		 82.29% 83.57% 83.42% 84.19% 84.17% 83.21% 82.50% 83.31% 82.61%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.71% 16.43% 16.58% 15.81% 15.83% 16.79% 17.50% 16.69% 17.39%
Return on Invested Capital (ROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Return on Assets (OROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Assets (ROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 3.36 2.82 2.73 3.11 3.53 4.06 4.75 4.37 4.69
NOPAT Margin		 33.16% 28.25% 27.63% 29.19% 32.00% 33.96% 37.65% 34.42% 34.57%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 35.74% 40.83% 39.87% 37.76% 37.40% 35.50% 32.85% 35.18% 33.30%
Operating Expenses to Revenue		 57.33% 63.05% 63.52% 61.01% 59.03% 55.78% 52.30% 55.60% 52.84%
Earnings before Interest and Taxes (EBIT)		 4.09 3.38 3.27 3.70 4.19 4.88 5.75 5.24 5.67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 4.09 3.84 3.27 3.70 4.69 4.88 5.75 6.01 5.67
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 1.19 1.40 1.65 1.41 0.86 1.08 0.83 0.76 0.49
Long-Term Debt to Equity		 0.79 1.10 1.31 1.08 0.45 0.65 0.53 0.42 0.20
Financial Leverage		 1.19 1.40 1.65 1.31 1.08 1.34 1.11 0.79 0.76
Leverage Ratio		 13.75 12.38 12.05 12.76 11.61 11.47 11.43 10.77 10.29
Compound Leverage Factor		 13.75 12.38 12.05 12.76 11.61 11.47 11.43 10.77 10.29
Debt to Total Capital		 54.29% 58.35% 62.28% 58.58% 46.33% 51.94% 45.48% 43.22% 32.75%
Short-Term Debt to Total Capital		 18.32% 12.66% 12.88% 13.73% 22.04% 20.89% 16.65% 19.48% 19.48%
Long-Term Debt to Total Capital		 35.98% 45.69% 49.40% 44.85% 24.29% 31.04% 28.83% 23.74% 13.27%
Preferred Equity to Total Capital		 0.87% 0.70% 0.62% 0.63% 0.74% 0.68% 0.73% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 44.84% 40.95% 37.11% 40.79% 52.93% 47.39% 53.79% 56.78% 67.25%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -169 -212 -239 -62 22 25 37 -5.10 46
Operating Cash Flow to CapEx		 0.00% 579.20% 0.00% 0.00% 139.35% 0.00% 0.00% 2,533.11% 0.00%
Free Cash Flow to Firm to Interest Expense		 -46.24 -47.06 -46.97 -11.67 4.30 5.02 7.53 -1.00 9.63
Operating Cash Flow to Interest Expense		 0.00 0.38 0.00 0.00 0.08 0.00 0.00 0.80 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.31 0.00 0.00 0.02 0.00 0.00 0.77 0.00
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 172 215 242 237 196 221 205 206 180
Invested Capital Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Increase / (Decrease) in Invested Capital		 172 215 242 65 -18 -21 -32 9.47 -41
Enterprise Value (EV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Market Capitalization		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book Value per Share		 $14.11 $15.94 $16.23 $17.43 $19.07 $18.67 $19.71 $20.94 $21.62
Tangible Book Value per Share		 $12.00 $13.84 $14.14 $15.35 $17.00 $16.61 $17.64 $18.86 $19.55
Total Capital		 172 215 242 237 202 221 205 206 180
Total Debt		 94 125 151 139 93 115 93 89 59
Total Long-Term Debt		 62 98 120 106 49 69 59 49 24
Net Debt		 76 109 132 89 65 100 32 24 33
Capital Expenditures (CapEx)		 0.00 0.29 0.00 0.00 0.27 0.00 0.00 0.16 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 94 125 151 139 88 115 93 89 59
Total Depreciation and Amortization (D&A)		 0.00 0.46 0.00 0.00 0.50 0.00 0.00 0.77 0.00
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.61 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 5.48M 5.52M 5.54M 5.56M 5.62M 5.60M 5.60M 5.59M 5.60M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.62 $0.72 $0.84 $0.78 $0.84
Adjusted Weighted Average Diluted Shares Outstanding		 5.49M 5.53M 5.56M 5.58M 5.61M 5.61M 5.61M 5.59M 5.59M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.49M 5.53M 5.56M 5.58M 5.62M 5.60M 5.60M 5.59M 5.60M
Normalized Net Operating Profit after Tax (NOPAT)		 3.36 2.82 2.73 3.11 3.53 4.06 4.75 4.37 4.69
Normalized NOPAT Margin		 33.16% 28.25% 27.63% 29.19% 32.00% 33.96% 37.65% 34.42% 34.57%
Pre Tax Income Margin		 40.29% 33.81% 33.12% 34.67% 38.02% 40.82% 45.64% 41.32% 41.84%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 1.12 0.75 0.64 0.70 0.82 0.98 1.17 1.03 1.18
NOPAT to Interest Expense		 0.92 0.63 0.54 0.59 0.69 0.82 0.97 0.86 0.98
EBIT Less CapEx to Interest Expense		 0.00 0.69 0.00 0.00 0.77 0.00 0.00 1.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.56 0.00 0.00 0.64 0.00 0.00 0.83 0.00
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

Community Bancorp (NASDAQ:CMTV) has generally improved its earnings profile over the provided period, although the balance sheet remains highly concentrated in loans and the latest quarter included a higher provision for credit losses. Comparisons use the reported and restated figures supplied for Q1 2024 through Q2 2026; a Q2 2026 cash flow statement was not provided.

Loan growth has been a primary earnings driver. Net loans increased to $958.7 million in Q2 2026 from $830.0 million in Q3 2023, an increase of approximately 15%. Loans also represented roughly 82% of Q2 2026 total assets. Loan interest income rose from $10.9 million in Q3 2023 to $14.7 million in Q2 2026, while total interest income increased from $12.1 million to $16.0 million.

Profitability has strengthened alongside the larger loan portfolio. Q2 2026 net interest income of $11.2 million was up from $9.9 million in Q2 2025 and $8.1 million in Q2 2024. Net income increased 15.5% year over year to $4.7 million, and diluted earnings per share rose to $0.84 from $0.72. The quarterly dividend also increased to $0.25 per share from $0.24 in Q2 2025.

  • Improving earnings momentum: Q2 2026 revenue, net interest income and net income increased approximately 13%, 14% and 16%, respectively, from Q2 2025.
  • Higher earnings per share: Diluted EPS increased from $0.49 in Q2 2024 to $0.72 in Q2 2025 and $0.84 in Q2 2026.
  • Loan portfolio expansion: Net loans grew approximately 15% from Q3 2023 to Q2 2026, supporting higher loan interest income.
  • Stronger capital position: Total equity increased to $120.9 million in Q2 2026 from $78.8 million in Q3 2023, while the equity-to-assets ratio improved from roughly 7.3% to 10.3%.
  • Better operating cash generation: Q1 2026 operating cash flow was $4.1 million, compared with $0.4 million in Q1 2025 and $1.7 million in Q1 2024.
  • Lower funding cost pressure in the latest comparison: Q2 2026 total interest expense declined to $4.8 million from $5.0 million in Q1 2026 and $5.0 million in Q2 2025.
  • Deposit base has grown modestly: Total deposits were approximately $981.7 million in Q2 2026, up from roughly $901.2 million in Q3 2023, but interest-bearing deposits account for most of the funding base.
  • Investment securities have declined: Trading account securities fell to $129.9 million in Q2 2026 from $181.9 million in Q3 2023, which may reflect a greater emphasis on lending but reduces the securities cushion available for liquidity management.
  • Credit-loss provision increased: The Q2 2026 provision for credit losses was $721,000, up from $407,000 in Q2 2025 and $259,000 in Q3 2025.
  • Expense growth remains a constraint: Q2 2026 non-interest expense rose 7.5% year over year to $7.2 million, including an 8.3% increase in salaries and employee benefits.

Cash management remains an area for investors to monitor. Q1 2026 financing cash flow was negative $55.4 million, primarily because deposits declined by $52.9 million, while net cash fell $63.5 million during the quarter. By Q2 2026, cash and due from banks plus federal funds sold totaled approximately $25.6 million, down from $64.6 million at the end of Q1. The bank still had a profitable operating model, but the decline in immediately available funds and the dependence on deposit funding warrant attention.

Overall, CMTV’s multi-year trend is favorable: loans, revenue, earnings, EPS and equity have all moved higher. However, investors should balance that progress against the bank’s high loan concentration, rising credit-loss provision, continued operating-cost inflation and recent liquidity outflows. The Q2 2025 balance sheet also contains apparent classification or standardization anomalies, so balance-sheet comparisons involving that quarter should be interpreted cautiously.

09/26/26 06:56 PM ETAI Generated. May Contain Errors.

Community Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Community Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Community Bancorp's net income appears to be on an upward trend, with a most recent value of $16.97 million in 2025, rising from $13.74 million in 2022. The previous period was $12.76 million in 2024. See where experts think Community Bancorp is headed by visiting Community Bancorp's forecast page.

Over the last 3 years, Community Bancorp's total revenue changed from $39.73 million in 2022 to $48.78 million in 2025, a change of 22.8%.

In the past 11 quarters, Community Bancorp's cash and equivalents has ranged from $9.51 million in Q1 2026 to $19.77 million in Q2 2026, and is currently $19.77 million as of their latest financial filing in Q2 2026.

Community Bancorp had total debt of $90.36 million at the end of 2025, a 32.8% decrease from 2024, and a 91.2% increase since 2022.

Over the last 3 years, Community Bancorp's book value per share changed from 13.63 in 2022 to 20.28 in 2025, a change of 48.8%.


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Financial statements for NASDAQ:CMTV last updated on 9/23/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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