
Last update at 2026-06-22T20:00:00Z
Source: TradingView
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 20.40M | 15.20M | 16.33M | 16.88M | 16.12M |
| Minority interest | - | - | - | - | - |
| Net income | 16.97M | 12.76M | 13.43M | 13.74M | 13.14M |
| Selling general administrative | 16.50M | 15.67M | 13.36M | 21.87M | 21.66M |
| Selling and marketing expenses | - | - | - | - | - |
| Gross profit | - | - | - | 75.86M | 6.73M |
| Reconciled depreciation | 1.05M | 1.03M | 1.07M | 1.14M | 1.10M |
| Ebit | - | - | - | 53.99M | 29.02M |
| Ebitda | - | - | - | - | - |
| Depreciation and amortization | - | - | - | - | - |
| Non operating income net other | - | - | - | - | - |
| Operating income | - | - | - | 53.99M | 29.02M |
| Other operating expenses | - | - | - | 7.48M | 0.62M |
| Interest expense | 20.01M | 20.37M | 12.69M | 4.03M | 3.12M |
| Tax provision | 3.44M | 2.44M | 2.90M | 3.14M | 2.98M |
| Interest income | 60.64M | 54.77M | 46.76M | 37.03M | 34.73M |
| Net interest income | 40.64M | 34.40M | 34.07M | 33.00M | 31.61M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | - | - | - | 3.14M | 2.98M |
| Total revenue | 46.19M | 39.70M | 39.32M | 75.86M | 6.73M |
| Total operating expenses | - | - | - | 21.87M | -22.28175M |
| Cost of revenue | - | - | - | - | - |
| Total other income expense net | - | - | - | - | - |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 16.97M | 12.76M | 13.43M | 13.74M | 13.14M |
| Net income applicable to common shares | - | - | - | 13.74M | 13.14M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1287.56M | 1248.93M | 1099.34M | 1056.03M | 1019.11M |
| Intangible assets | - | - | - | - | - |
| Earning assets | - | - | - | - | - |
| Other current assets | - | - | - | 3.71M | 2.74M |
| Total liab | 1173.87M | 1150.88M | 1010.32M | 980.86M | 934.35M |
| Total stockholder equity | 113.69M | 98.05M | 89.03M | 75.18M | 84.76M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | - | - | - | 922.97M | 879.40M |
| Common stock | - | - | - | 14.12M | 13.97M |
| Capital stock | 14.71M | 16.02M | 15.81M | 15.62M | 15.47M |
| Retained earnings | 73.02M | 61.62M | 54.20M | 46.46M | 37.76M |
| Other liab | - | - | - | - | 3.37M |
| Good will | 11.57M | 11.57M | 11.57M | 11.57M | 11.57M |
| Other assets | - | - | - | 947.32M | 696.89M |
| Cash | 11.80M | 9.88M | 15.00M | 71.14M | 110.36M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | - | - | - | 933.59M | 879.40M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 37.06M | 75.61M | 52.49M | 1.88M | - |
| Short term debt | - | - | - | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | - | - | - | - | - |
| Other stockholder equity | - | - | - | -20.66782M | -1.16697M |
| Property plant equipment | - | - | - | 13.04M | 13.77M |
| Total current assets | - | - | - | 267.27M | 287.35M |
| Long term investments | 144.53M | 159.70M | 190.71M | 740.33M | 682.58M |
| Net tangible assets | - | - | - | 62.10M | 71.69M |
| Short term investments | 144.53M | 159.70M | 190.71M | 192.92M | 182.34M |
| Net receivables | 4.61M | 4.47M | 4.25M | 3.21M | -5.34767M |
| Long term debt | 48.86M | 85.49M | 67.49M | 12.89M | 12.89M |
| Inventory | - | - | - | - | - |
| Accounts payable | - | - | - | 10.62M | 879.40M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | - | - | - | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 14.12M | 13.97M |
| Preferred stock total equity | - | - | - | 1.50M | 1.50M |
| Retained earnings total equity | - | - | - | 46.46M | 37.76M |
| Treasury stock | - | - | - | -2.62278M | -2.62278M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | - | - | - | 23.81M | 706.07M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | - | - | - | 788.76M | 1413.99M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | 12.89M | 12.89M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 22.94M | 24.61M | 7.59M | 0.83M | -105.55981M |
| Change to liabilities | - | - | - | 0.74M | 0.23M |
| Total cashflows from investing activities | - | - | - | -95.00176M | -104.59345M |
| Net borrowings | -36.85906M | 17.77M | 53.08M | 0.25M | -7.46744M |
| Total cash from financing activities | 17.27M | 131.30M | 26.46M | 40.05M | 85.86M |
| Change to operating activities | - | - | - | -0.32387M | -0.86469M |
| Net income | 16.97M | 12.76M | 13.43M | 13.74M | -13.13834M |
| Change in cash | 17.12M | 90.51M | -50.70582M | -39.21860M | -4.69099M |
| Begin period cash flow | 110.94M | 20.43M | 71.14M | 110.36M | 115.05M |
| End period cash flow | 128.06M | 110.94M | 20.43M | 71.14M | 110.36M |
| Total cash from operating activities | 16.05M | 15.77M | 14.93M | 15.74M | 14.04M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 1.05M | 1.03M | 1.07M | 1.22M | 0.48M |
| Other cashflows from investing activities | - | - | - | 0.04M | 1.86M |
| Dividends paid | -4.06276M | -3.83685M | -3.79602M | 3.78M | 3.44M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -0.13550M | -0.22568M | -1.03247M | -0.81377M | 0.59M |
| Sale purchase of stock | -3.38324M | 0.00000M | - | - | - |
| Other cashflows from financing activities | - | - | - | 43.57M | 96.76M |
| Change to netincome | - | - | - | 1.12M | 0.25M |
| Capital expenditures | 0.78M | 0.79M | 0.63M | 0.62M | 0.90M |
| Change receivables | - | - | - | -0.81377M | 0.59M |
| Cash flows other operating | - | - | - | -0.27222M | -0.26213M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | -39.21860M | -4.69099M |
| Change in working capital | -2.35452M | 0.78M | -0.49527M | -0.63811M | -0.53586M |
| Stock based compensation | - | - | - | - | - |
| Other non cash items | 0.00762M | 0.06M | 0.15M | 0.58M | 0.76M |
| Free cash flow | 15.27M | 14.98M | 14.30M | 15.12M | 13.15M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CMTV Community Bancorp. Common Stock |
-0.99 2.40% | 40.26 | 12.70 | 13.89 | 4.55 | 1.87 | 5.67 |
| HDB HDFC Bank Limited ADR |
0.03 0.12% | 25.09 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.32 1.06% | 29.79 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.60 3.22% | 51.35 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Community Bancorp. operates as the bank holding company for Community National Bank that provides various financial services to individuals, businesses, nonprofit organizations, and municipalities in northern and central Vermont. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as standby letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, card processing, and remote deposit capture. It also provides commercial real estate lending products, including financing for commercial developers and investors, residential builders and developers, and community development entities, including credit products to facilitate the purchase of land and/or build structures for business; 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. In addition, the company offers residential real estate lending products, including fixed-rate and adjustable rate residential mortgage and home equity loans; and retail credit services, which includes personal, automobile, and boat/recreational vehicle loans. Further, the company provides municipal and institutional banking services, such as deposit account services, term and tax-exempt loans, and lines of credit to state and local governments, schools, charities, membership, and not-for-profit associations. Additionally, it offers consumer banking services, including checking accounts, savings programs, ATMs, debit and credit cards, night deposit facilities, and online, mobile and telephone banking services. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.
4811 US Route 5, Derby, VT, United States, 05829
| Name | Title | Year Born |
|---|---|---|
| Ms. Kathryn M. Austin | Pres, CEO & Director | 1957 |
| Ms. Louise M. Bonvechio | Corp. Sec. & Treasurer | 1961 |
| Mr. Christopher L. Caldwell | VP and EVP & CLO, Community National Bank | 1966 |
| Ms. Candace A. Patenaude | Principal Accounting Officer, Financial Officer & Controller | 1963 |
| Ms. Tracy D. Roberts | VP & Marketing Director | NA |
| Ms. Kimico Perry | HR Officer | NA |
| Ms. Patricia Blackmore | CPA | NA |
| Melissa Tinker | Assistant Corp. Sec. | NA |
| Ms. Kathryn M. Austin | President, CEO & Director | 1957 |
| Mr. Christopher L. Caldwell | VP & Director | 1966 |
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