Community Bancorp
Community Bancorp Fundamental Analysis
Community Bancorp (CMTV) shows moderate financial fundamentals with a PE ratio of 8.04, profit margin of 36.57%, and ROE of 0.09%. The company generates $0.1B in annual revenue with weak year-over-year growth of -0.21%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 49.0/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CMTV's fundamental strength across five key dimensions:
Efficiency Score
WeakCMTV struggles to generate sufficient returns from assets.
Valuation Score
ModerateCMTV shows balanced valuation metrics.
Growth Score
WeakCMTV faces weak or negative growth trends.
Financial Health Score
ExcellentCMTV maintains a strong and stable balance sheet.
Profitability Score
ModerateCMTV maintains healthy but balanced margins.
Key Financial Metrics
Is CMTV Expensive or Cheap?
P/E Ratio
CMTV trades at 8.04 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CMTV's PEG of 3.39 indicates potential overvaluation.
Price to Book
The market values Community Bancorp at 0.00 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 14.11 times EBITDA. This signals the market has high growth expectations.
How Well Does CMTV Make Money?
Net Profit Margin
For every $100 in sales, Community Bancorp keeps $36.57 as profit after all expenses.
Operating Margin
Core operations generate 40.19 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $0.09 in profit for every $100 of shareholder equity.
ROA
Community Bancorp generates $0.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Community Bancorp produces operating cash flow of $16.09M, showing steady but balanced cash generation.
Free Cash Flow
Community Bancorp generates strong free cash flow of $15.31M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.73 in free cash annually.
FCF Yield
CMTV converts 7.76% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.04
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
3.39
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.002
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.95
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.001
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2821.61
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.001
vs 25 benchmark
ROA
Return on assets percentage
0.00
vs 25 benchmark
ROCE
Return on capital employed
0.00
vs 25 benchmark
How CMTV Stacks Against Its Sector Peers
| Metric | CMTV Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.04 | 18.83 | Better (Cheaper) |
| ROE | 0.09% | 817.00% | Weak |
| Net Margin | 36.57% | 1784.00% | Weak |
| Debt/Equity | 0.00 | 0.99 | Strong (Low Leverage) |
| Current Ratio | 2821.61 | 661.85 | Strong Liquidity |
| ROA | 0.00% | -23754.00% (disorted) | Weak |
CMTV outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Community Bancorp's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
19.45%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
35.58%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
31.42%
Industry Style: Value, Dividend, Cyclical
High Growth