Community Bancorp /Vt - Understand $cmtv stock

$CMTV Market Cap: $91.8 Million

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Financial Snapshot

Revenue

$40.02M

TTM

Gross Margin

Net Earnings

$12.17M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$1.177B

Q3 2024

Total Liabilities

$1.079B

Q3 2024

Book Value

$98.35M

Q3 2024

Cash

$49.82M

Q3 2024

P/E

7.544

Nov 13, 2024 EST

Free Cash Flow

$9.696M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Revenue	$46.90M	$37.11M	$34.79M
YoY Change	26.37%	6.68%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021
Revenue	$46.90M	$37.11M	$34.79M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$577.3K	$539.1K	$506.6K	$473.4K	$428.7K
YoY Change	7.07%	6.43%	7.0%	10.44%
% of Gross Profit
Depreciation & Amortization	$1.070M	$1.142M	$1.100M	$890.0K	$930.0K	$980.0K	$1.300M	$1.310M	$1.240M	$1.240M	$1.290M	$1.450M	$1.450M	$1.570M	$1.760M	$1.960M	$940.0K	$870.0K
YoY Change	-6.28%	3.79%	23.6%	-4.3%	-5.1%	-24.62%	-0.76%	5.65%	0.0%	-3.88%	-11.03%	0.0%	-7.64%	-10.8%	-10.2%	108.51%	8.05%
% of Gross Profit
Operating Expenses	$577.3K	$539.1K	$506.6K	$473.4K	$428.7K
YoY Change	7.07%	6.43%	7.0%	10.44%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021
Interest Expense	$12.69M	$4.030M	$3.121M
YoY Change	214.95%	29.11%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Pretax Income	$16.33M	$16.88M	$16.12M	$13.01M	$10.61M	$10.14M	$9.140M	$7.410M	$6.590M	$6.470M	$6.220M	$4.260M	$3.820M	$4.500M	$3.430M	$1.880M	$4.030M	$4.110M
YoY Change	-3.25%	4.68%	23.92%	22.62%	4.64%	10.94%	23.35%	12.44%	1.85%	4.02%	46.01%	11.52%	-15.11%	31.2%	82.45%	-53.35%	-1.95%
Income Tax	$2.895M	$3.135M	$2.983M	$2.248M	$1.790M	$1.740M	$2.500M	$1.920M	$1.760M	$1.340M	$1.130M	-$140.0K	$230.0K	$560.0K	-$320.0K	-$320.0K	$670.0K	$730.0K
% Of Pretax Income	17.73%	18.58%	18.5%	17.28%	16.87%	17.16%	27.35%	25.91%	26.71%	20.71%	18.17%	-3.29%	6.02%	12.44%	-9.33%	-17.02%	16.63%	17.76%
Net Earnings	$13.43M	$13.74M	$13.14M	$10.76M	$8.824M	$8.400M	$6.230M	$5.480M	$4.830M	$5.120M	$5.090M	$4.400M	$3.580M	$3.950M	$3.750M	$2.200M	$3.360M	$3.380M
YoY Change	-2.24%	4.58%	22.12%	21.92%	5.05%	34.83%	13.69%	13.46%	-5.66%	0.59%	15.68%	22.91%	-9.37%	5.33%	70.45%	-34.52%	-0.59%
Net Earnings / Revenue	28.64%	37.02%	37.76%
Basic Earnings Per Share	$2.43	$2.53	$2.45	$2.03	$1.68
Diluted Earnings Per Share	$2.43	$2.53	$2.456M	$2.042M	$1.696M	$1.634M	$1.226M	$1.092M	$973.8K	$1.045M	$1.052M	$922.4K	$766.6K	$862.4K	$833.3K	$496.6K	$768.9K	$786.0K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$12.37M	$13.04M	$13.80M	$10.20M	$11.00M	$9.700M	$10.30M	$10.80M	$11.50M	$11.50M	$11.70M	$12.20M	$12.70M	$12.80M	$13.60M	$15.00M	$16.40M	$12.30M
YoY Change	-5.15%	-5.49%	35.29%	-7.27%	13.4%	-5.83%	-4.63%	-6.09%	0.0%	-1.71%	-4.1%	-3.94%	-0.78%	-5.88%	-9.33%	-8.54%	33.33%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments							$0.00	$200.0K
YoY Change							-100.0%
Other Assets	$5.579M	$6.464M	$1.200M	$500.0K	$400.0K		$700.0K	$1.400M	$1.200M	$1.000M	$1.800M
YoY Change	-13.7%	438.7%	140.0%	25.0%			-50.0%	16.67%	20.0%	-44.44%
Total Long-Term Assets
YoY Change
Total Assets	$1.099B	$1.056B	$1.019B	$918.2M	$738.0M	$720.3M	$667.0M	$637.7M	$596.1M	$586.7M	$573.7M	$575.7M	$552.9M	$545.9M	$505.3M	$487.8M	$502.0M	$351.8M
YoY Change
Accounts Payable	$5.737M	$6.315M	$3.400M	$3.100M	$3.900M	$4.000M	$3.000M	$3.100M	$3.700M	$2.600M	$2.700M	$3.100M	$4.200M	$2.800M	$3.400M	$4.800M	$5.900M	$3.000M
YoY Change	-9.16%	85.75%	9.68%	-20.51%	-2.5%	33.33%	-3.23%	-16.22%	42.31%	-3.7%	-12.9%	-26.19%	50.0%	-17.65%	-29.17%	-18.64%	96.67%
Accrued Expenses	$443.4K	$658.4K	$900.0K	$1.100M	$1.300M
YoY Change	-32.66%	-26.84%	-18.18%	-15.38%
Deferred Revenue
YoY Change
Short-Term Debt	$36.26M	$33.08M	$32.60M	$38.70M	$33.20M	$30.50M	$28.60M	$30.40M	$22.10M	$28.50M	$29.60M	$34.10M	$21.60M	$19.10M	$19.00M	$19.10M	$17.40M	$17.10M
YoY Change	9.61%	1.47%	-15.76%	16.57%	8.85%	6.64%	-5.92%	37.56%	-22.46%	-3.72%	-13.2%	57.87%	13.09%	0.53%	-0.52%	9.77%	1.75%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$42.44M	$6.974M	$4.300M	$4.200M	$5.200M	$4.000M	$3.000M	$3.100M	$3.700M	$2.600M	$2.700M	$3.100M	$4.200M	$2.800M	$3.400M	$4.800M	$5.900M	$3.000M
YoY Change	508.51%	62.18%	2.38%	-19.23%	30.0%	33.33%	-3.23%	-16.22%	42.31%	-3.7%	-12.9%	-26.19%	50.0%	-17.65%	-29.17%	-18.64%	96.67%
Long-Term Debt	$16.31M	$16.53M	$16.70M	$12.90M	$13.00M	$12.90M	$13.30M	$13.40M	$13.40M	$13.50M	$13.60M	$13.70M	$13.70M	$13.70M	$13.80M	$13.80M	$13.80M	$0.00
YoY Change	-1.33%	-1.01%	29.46%	-0.77%	0.78%	-3.01%	-0.75%	0.0%	-0.74%	-0.74%	-0.73%	0.0%	0.0%	-0.72%	0.0%	0.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$16.31M	$16.53M	$16.70M	$12.90M	$13.00M	$12.90M	$13.30M	$13.40M	$13.40M	$13.50M	$13.60M	$13.70M	$13.70M	$13.70M	$13.80M	$13.80M	$13.80M	$0.00
YoY Change	-1.33%	-1.01%	29.46%	-0.77%	0.78%	-3.01%	-0.75%	0.0%	-0.74%	-0.74%	-0.73%	0.0%	0.0%	-0.72%	0.0%	0.0%
Total Liabilities	$1.010B	$980.9M	$934.3M	$840.9M	$669.1M	$657.7M	$609.1M	$583.2M	$544.7M	$537.7M	$527.5M	$532.4M	$512.0M	$506.8M	$468.4M	$452.5M	$467.1M	$321.1M
YoY Change	3.0%	4.98%	11.11%	25.68%	1.73%	7.98%	4.44%	7.07%	1.3%	1.93%	-0.92%	3.98%	1.03%	8.2%	3.51%	-3.13%	45.47%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019
Basic Shares Outstanding	5.471M shares	5.404M shares	5.346M shares	5.275M shares	5.205M shares
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $91.796 Million

About COMMUNITY BANCORP /VT

Community Bancorp operates as a bank holding company, which engages in a full line of personal and business financial services. The company is headquartered in Derby, Vermont and currently employs 120 full-time employees. is a bank holding company for Community National Bank (the Bank). Through the Bank, it provides a range of loan and deposit services to individuals, businesses, nonprofit organizations and municipalities in its northern and central Vermont markets. Its services include business banking, commercial real estate lending, residential real estate lending, retail credit, municipal and institutional banking and retail banking. The company offers a range of credit products for a variety of general business purposes, including financing for commercial business properties, equipment, inventories and accounts receivable, and standby letters of credit. The company provides a range of products to meet the financing needs of commercial developers and investors, residential builders and developers and community development entities. The company also provides a full range of consumer banking services, including checking accounts, night deposit facilities and online, mobile, telephone banking and others.

Industry: National Commercial Banks Peers: Affinity Bancshares Inc PNC Financial Services Group Inc QNB Corp SOUTHERN MICHIGAN BANCORP INC UNION BANKSHARES INC United Bancorp Inc