US · CMTV
Community Bancorp
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Derby, VT 05829
- Website
- communitynationalbank.com
Price · as of 2024-12-31
$40.56
Market cap 168.19M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $30.50 | -24.8% |
| Intrinsic Value(DCF) | $22.19 | -45.29% |
| Graham-Dodd Method(GD) | $16.70 | -58.82% |
| Graham Formula(GF) | $50.79 | +25.22% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $4.14 | $42.01 | $51.43 | $4.84 | $5.68 |
| 2011 | $5.01 | $28.23 | $4.56 | $4.33 | $2.71 |
| 2012 | $6.54 | $23.96 | $50.92 | $5.13 | $10.86 |
| 2013 | $7.70 | $36.50 | $46.53 | $6.03 | $5.33 |
| 2014 | $8.41 | $31.04 | $11.86 | $5.98 | $7.11 |
| 2015 | $8.59 | $98.33 | $10.45 | $5.81 | $9.21 |
| 2016 | $11.75 | $36.40 | $10.96 | $6.82 | $12.84 |
| 2017 | $11.84 | $32.92 | $12.10 | $7.70 | $19.34 |
| 2018 | $12.17 | $24.13 | $13.23 | $10.00 | $27.35 |
| 2019 | $11.86 | $22.26 | $14.38 | $11.06 | $25.79 |
| 2020 | $13.44 | $25.98 | $15.83 | $14.12 | $27.12 |
| 2021 | $17.60 | $37.74 | $25.29 | $16.34 | $27.97 |
| 2022 | $17.97 | $38.08 | $31.68 | $13.99 | $39.16 |
| 2023 | $14.88 | $22.01 | $94.17 | $16.02 | $67.39 |
| 2024 | $17.14 | $30.50 | $24.85 | $16.70 | $50.79 |
AI valuation
Our deep-learning model estimates Community Bancorp's (CMTV) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $30.50
- Current price
- $40.56
- AI upside
- -24.8%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$22.19
-45.29% upside
Graham-Dodd
$16.70
-58.82% upside
Graham Formula
$50.79
+25.22% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CMTV | Community Bancorp | $40.56 | 168.19M | -25% | -45% | -59% | +25% | 7.46 | 0.97 | 1.60 | 3.70 | — | 1.10 | 63.92% | 25.51% | 21.42% | 13.65% | 12.49% | 1.09% | 1.37 | 0.75 | 0.17 | 0.17 | 7.67 | -658.00% | 1460.00% | 476.00% | 15.73% | 0.02 | 14.65% | 4.03% | 30.10% | 4.03% | 3.95 | 4.01 | 1.01 | -0.64 |
About Community Bancorp
Community Bancorp. operates as the bank holding company for Community National Bank that provides a range of retail banking services to residents, businesses, nonprofit organizations, and municipalities. It provides various consumer banking products and services, including checking accounts, savings programs, ATMs, debit/credit cards, and night deposit facilities, as well as online, mobile, and telephone banking. The company's business banking products and services comprise credit products for various business purposes, including financing for commercial business properties, equipment, inventories, and accounts receivable, as well as letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, and remote deposit capture. It offers commercial real estate lending products for commercial developers and investors, residential builders and developers, and community development entities, which include credit products to facilitate the purchase of land and/or build structures for business, for investors 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. The company's residential real estate lending products include fixed-rate and adjustable rate residential mortgage and home equity loans; retail credit products include personal, automobile, and boat/recreational vehicle loans; and municipal and institutional banking products and services for state and local governments, schools, charities, membership, and not-for-profit associations comprise deposit accounts, tax-exempt loans, lines of credit, and term loans, as well as a collateralized secured deposit products. It operates through a main office in Derby; and eleven branch offices in northeastern and central Vermont. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.
- CEO
- Christopher L. Caldwell
- Employees
- 128
- Beta
- 0.29
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($22.19 ÷ $40.56) − 1 = -45.29% (DCF, example).