Company Analysis

Community Bancorp. (CMTV)

Nasdaq: CMTV · National Commercial Banks · Derby, VT · filing with the SEC since 1995
Grade4.9
◀ Past 4.2● Present 4.4▶ Future 6.8

The grade of Community Bancorp.

Nine metrics read from its own filings, by tense
Headline grade
4.9/10
◀ Past4.240% of the headline
● Present4.435% of the headline
▶ Future6.825% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

4.2/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
3.5/10

Has it survived what it has been through?

1 warning event since 2017; the latest 2025-11-06.

weight 45% of this tense · 35th percentile among 83 sector filers · read for itself

From the record

Community Bancorp.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2025-11-06) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
7.0/10

What has it actually done, year after year?

+10.8% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 70th percentile among 79 sector filers · read for its customers

From the record

Community Bancorp.'s 10 filed years say what it did: revenue went from $24 million in fiscal 2016 to $61 million in fiscal 2025, up 10.8% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span10.8%bottom 41% of its family
  • the share of years revenue rosetop 9% of its family
  • the share of filed years with a profittop 42% of its family
  • the deepest fall from a revenue peak0.0%top 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
3.2/10

How has it treated the people who own it?

Share count grew 1.2% a year. 24% of cash flow returned. Insiders: 0 sales, 18 purchases.

weight 33% of this tense · 32nd percentile among 81 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Community Bancorp.'s diluted share count grew about 1.2% a year, and dividends and buybacks returned about 24% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 18 purchases of their own stock on the open market in the year to 2026-11-03, buying about $538 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 43% of its family
  • cash returned against operating cash flowbottom 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.4/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
5.1/10

Is it financially healthy right now?

ROE 15%: 15¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar.

weight 45% of this tense · 51st percentile among 83 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Community Bancorp. earned about 15 cents of profit for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count grew 0.9% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 20% of its family
  • return on equitytop 7% of its family
  • the share count against the year beforebottom 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
4.3/10

How strong is its position in its industry?

bottom 43% of 79 in its family; net margin 27.9%.

weight 33% of this tense · 43rd percentile among 79 sector filers · read for its customers

From the record

Community Bancorp.'s standing among 79 graded names in its industry family: revenue of $61 million in fiscal 2025 ranks in the bottom 5% by size; a net margin of 27.9% ranks in the top 22%; revenue growth of 17.9% a year over the last 3 filed years ranks in the bottom 47% (its annual reports).

What it rests on

  • revenue against the family$60.9Mbottom 5% of its family
  • net margin27.9%top 22% of its family
  • three-year revenue growth17.9%bottom 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
3.2/10

What are the people in charge doing?

bottom 32% of 74 in its family for leadership; chief executive since 2025.

weight 22% of this tense · 32nd percentile among 74 sector filers · read for its shareholders

From the record

Community Bancorp.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Caldwell, Christopher L. (Pres/CEO/Dir of Company & Bank, as filed), filing under that title since 2025-02-25, 1.7 years (bottom 16% of its family); the 11 officers and directors filing in the last fifteen months have been on the record a median of 6.9 years (top 46%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 11 people in charge now (bottom 25%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge5 in three years among 11 peoplebottom 25% of its family
  • the median years the people in charge have filed6.9 yearstop 46% of its family
  • the chief executive's years on the record1.7 yearsbottom 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

6.8/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
7.5/10

How much room does it have to grow?

top 25% of 71 in its family for room to expand.

weight 33% of this tense · 75th percentile among 71 sector filers · read for itself

From the record

Community Bancorp.'s room to grow, from the newest filed statements (fiscal 2025): cash of $128 million against no long-term debt tagged leaves 9.9% of its assets as net cash, top 11% of its family; cash from operations less capital spending is 25.1% of revenue (top 38%) (its annual report).

What it rests on

  • cash less debt against assets9.9%top 11% of its family
  • cash from operations less capital spending against revenue25.1%top 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.6/10

What could actually drive growth from here?

top 34% of 79 in its family for growth drivers.

weight 33% of this tense · 66th percentile among 79 sector filers · read for its customers

From the record

Community Bancorp.'s growth drivers, from the filed years to fiscal 2025: revenue grew 17.9% a year over the last three filed years against 10.8% over all 10, speeding up (top 34% of its family); the newest year grew 10.7% (top 18%); capital spending grew 8.2% a year (bottom 49%) (its annual reports). Community Bancorp. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+7.2 points a yeartop 34% of its family
  • the newest year's revenue growth10.7%top 18% of its family
  • three-year growth of capital spending8.2%bottom 49% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
6.4/10

Did its newest year beat what its own record pointed to?

top 36% of 76 in its family for expectations against reality.

weight 33% of this tense · 64th percentile among 76 sector filers · read for its shareholders

From the record

Community Bancorp.'s newest year against its own record: revenue of $61 million in fiscal 2025 came in 9.1% below the $67 million its prior three years' pace pointed to (top 26% of its family); net income of $17 million against a prior three-year average of $13 million (top 35%); a net margin of 27.9% against 29.6% before (top 48%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-9.1%top 26% of its family
  • net income against the prior three years' average+28%top 35% of its family
  • net margin against its prior average-1.8 pointstop 48% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CMTV · research, not advice