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Upturn AI Summary - About
Community Bancorp. Common Stock(CMTV)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CMTV
11/06/2026: CMTV (3-star) is a STRONG-BUY. BUY for 138 days. Simulated Profits (19.90%). Updated daily EoD!
Community Bancorp. is a stable regional bank holding company centered in Vermont, known for its deep-rooted history dating back to 1851. Its primary strengths lie in its relationship-based banking model, which fosters strong customer loyalty and steady interest income. The company’s recent uplisting to the Nasdaq provides a platform for future growth by increasing investor visibility and access. Key risks include its geographic concentration in Vermont, which leaves it vulnerable to regional economic shifts, and constant competitive pressure on deposit costs. The stock is best suited for value and dividend-focused investors seeking low-volatility exposure to the banking sector, provided they monitor regional economic health and interest rate cycles.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers steady, sustainable growth rather than high-velocity expansion. |
| Momentum investor | Weak fit | The stock tends to be driven by fundamental banking trends rather than short-term price momentum. |
| Value investor | Strong fit | The company's stable earnings and reasonable valuation multiples make it an attractive consideration for value-oriented portfolios. |
| Dividend investor | Strong fit | Consistent dividend payments and a stable payout history provide reliable income for shareholders. |
| Low-risk investor | Strong fit | The bank's conservative risk profile and regional focus appeal to investors seeking lower volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock is generally characterized by lower beta and relative price stability compared to larger growth stocks. |
| Valuation risk | Low | Current trading multiples align with industry averages for comparable regional bank holding companies. |
| Competition risk (regional banking) | Medium | Ongoing pressure from other local lenders and large national banks requires constant focus on customer retention. |
| Business quality | Strong | The company has a long history of operational stability and consistent performance through various economic cycles. |
| Dividend income | Medium | While consistent, dividend growth is dependent on long-term earnings expansion and regulatory capital requirements. |
| Execution risk | Low | Management has a proven track record of executing its community-focused strategy with limited deviation. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 67.72% | Avg. Invested days 92 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 263.70M USD | Price to earnings Ratio 13.99 | 1Y Target Price - |
Price to earnings Ratio 13.99 | 1Y Target Price - | ||
Volume (30-day avg) 23.5K shares | Beta 0.39 | 52 Weeks Range 21.88 - 48.40 | Updated Date 11/08/2026 |
52 Weeks Range 21.88 - 48.40 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 2.16% | Basic EPS (TTM) 3.36 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial, real estate, and consumer loans minus interest paid on deposits. | The primary driver of profit, which benefits from stable loan portfolios and cost-effective deposit gathering. |
| Fee-Based Services | Service charges on deposit accounts, transaction fees, and other auxiliary banking services. | Provides a supplemental, non-interest income stream that stabilizes total revenue. |
| Geography (Vermont/NH) | Operations concentrated in Vermont and parts of New Hampshire. | Investors should note that the company's success is closely tied to the economic health of these specific regions. |
Earnings Date
Report Date 2026-10-26 | When - | Estimate - | Actual 0.91 |
Profitability
Profit Margin 36.79% | Operating Margin (TTM) 47.05% |
Management Effectiveness
Return on Assets (TTM) 1.53% | Return on Equity (TTM) 16.15% |
Valuation
Trailing PE 13.99 | Forward PE 13.89 | Enterprise Value 275.16M | Price to Sales(TTM) 5.17 |
Enterprise Value 275.16M | Price to Sales(TTM) 5.17 | ||
Enterprise Value to Revenue 5.45 | Enterprise Value to EBITDA - | Shares Outstanding 5.61M | Shares Floating 4.97M |
Shares Outstanding 5.61M | Shares Floating 4.97M | ||
Percent Insiders 11.47 | Percent Institutions 26.66 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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