NASDAQ : CMTV
Community Bancorp — Financial statements
Financials · Banks - Regional · United States
Last price 42.19 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 236.71M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 58.82M | 55.46M | 49.62M | 41.82M | 32.56M | 33.07M |
| Interest Income on Investments | 5.59M | 5.42M | 5.38M | 5.08M | 4.56M | 1.72M |
| Total Interest Income | 64.40M | 60.88M | 55.00M | 46.90M | 37.11M | 34.79M |
| Interest Paid on Deposits | 16.31M | 16.04M | 14.12M | 9.34M | 3.20M | 2.57M |
| Interest Paid on Borrowings | 3.21M | 3.97M | 6.25M | 3.35M | 826.40K | 553.34K |
| Total Interest Expense | 19.52M | 20.01M | 20.37M | 12.69M | 4.03M | 3.12M |
| Net Interest Income | 44.88M | 40.87M | 34.63M | 34.21M | 33.08M | 31.67M |
| Gain (Loss) on Sale of Investments | 36.71K | |||||
| Gain (Loss) on Sale of Equity Investments | 1.57M | 1.78M | 1.22M | 1.03M | 584.97K | 951.61K |
| Other Non-Interest Income | 6.18M | 5.72M | 5.59M | 5.64M | 5.45M | 4.83M |
| Total Non-Interest Income | 8.14M | 7.91M | 7.18M | 7.18M | 6.64M | 6.73M |
| Revenues Before Loan Losses | 53.02M | 48.78M | 41.81M | 41.38M | 39.73M | 38.40M |
| Provision for Loan Losses | 1.97M | 1.37M | 1.13M | 1.48M | 978.00K | 624.16K |
| Revenue | 51.05M | 47.41M | 40.68M | 39.90M | 38.75M | 37.78M |
| Salaries and Employee Benefits | 14.88M | 13.95M | 13.23M | 12.23M | 11.09M | 11.15M |
| Occupancy Expenses | 2.76M | 2.76M | 2.51M | 2.59M | 2.58M | 2.58M |
| Selling, General & Administrative | 737.10K | 737.10K | 703.31K | 695.40K | 722.84K | 702.16K |
| Other Non-Interest Expense | 10.02M | 9.56M | 9.03M | 8.06M | 7.48M | 7.23M |
| Total Non-Interest Expense | 28.39M | 27.00M | 25.48M | 23.58M | 21.87M | 21.66M |
| EBT Excluding Unusual Items | 22.66M | 20.40M | 15.20M | 16.33M | 16.88M | 16.12M |
| Pretax Income | 22.66M | 20.40M | 15.20M | 16.33M | 16.88M | 16.12M |
| Income Tax Expense | 3.88M | 3.44M | 2.44M | 2.90M | 3.14M | 2.98M |
| Net Income | 18.78M | 16.97M | 12.76M | 13.43M | 13.74M | 13.14M |
| Preferred Dividends & Other Adjustments | 96.59K | 96.59K | 125.62K | 120.94K | 66.56K | 48.75K |
| Net Income to Common | 18.69M | 16.87M | 12.64M | 13.31M | 13.67M | 13.09M |
| Basic Shares Outstanding | 5.59M | 5.60M | 5.55M | 5.47M | 5.40M | 5.35M |
| Diluted Shares Outstanding | 5.59M | 5.60M | 5.55M | 5.47M | 5.40M | 5.35M |
| EPS (Basic) | 3.34 | 3.01 | 2.28 | 2.43 | 2.53 | 2.45 |
| EPS (Diluted) | 3.34 | 3.01 | 2.28 | 2.43 | 2.53 | 2.45 |
| Dividend Per Share | 1.01 | 0.98 | 0.94 | 0.92 | 0.92 | 0.88 |
| Effective Tax Rate | 17.11% | 16.84% | 16.04% | 17.73% | 18.58% | 18.50% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 47.29M | 128.06M | 110.94M | 20.43M | 70.64M | 101.36M |
| Investment Securities | 113.11M | 53.07M | 72.24M | 82.83M | 85.84M | 60.44M |
| Mortgage-Backed Securities | 107.26M | 102.26M | 115.86M | 115.23M | 127.13M | |
| Total Investments | 113.11M | 160.33M | 174.50M | 198.69M | 201.07M | 187.58M |
| Gross Loans | 1.02B | 966.07M | 928.59M | 846.00M | 749.04M | 689.99M |
| Allowance for Loan Losses | -12.34M | -10.86M | -9.81M | -9.84M | -8.71M | -7.71M |
| Other Adjustments to Gross Loans | -37.97K | |||||
| Net Loans | 1.01B | 955.21M | 918.78M | 836.16M | 740.33M | 682.24M |
| Property, Plant & Equipment | 12.32M | 12.07M | 12.05M | 12.21M | 13.04M | 13.66M |
| Goodwill | 11.57M | 11.57M | 11.57M | 11.57M | 11.57M | 11.57M |
| Loans Held for Sale | 414.12K | 138.00K | 339.00K | |||
| Accrued Interest Receivable | 4.68M | 4.61M | 4.47M | 4.25M | 3.21M | 2.40M |
| Restricted Cash | 500.00K | 9.00M | ||||
| Long-Term Deferred Tax Assets | 3.50M | 5.19M | 5.58M | 6.46M | 1.16M | |
| Other Real Estate Owned & Foreclosed | 319.02K | |||||
| Other Long-Term Assets | 31.13M | 9.50M | 9.48M | 9.49M | 8.47M | 9.03M |
| Total Assets | 1.23B | 1.29B | 1.25B | 1.10B | 1.06B | 1.02B |
| Interest Bearing Deposits | 782.43M | 804.91M | 761.31M | 669.32M | 691.25M | 652.47M |
| Institutional Deposits | 52.92M | 46.91M | 42.64M | 24.68M | 15.63M | 17.46M |
| Non-Interest Bearing Deposits | 208.45M | 218.84M | 197.70M | 202.97M | 216.09M | 209.47M |
| Total Deposits | 1.04B | 1.07B | 1.00B | 896.97M | 922.97M | 879.40M |
| Short-Term Borrowings | 34.89M | 41.50M | 90.44M | 89.76M | 33.08M | 32.61M |
| Current Portion of Long-Term Debt | 15.00M | 300.00K | 200.00K | |||
| Current Portion of Leases | 539.84K | |||||
| Accrued Interest Payable | 8.19M | 485.00K | 2.41M | 1.08M | 74.00K | 59.00K |
| Federal Home Loan Bank Debt, Long-Term | 10.98M | 20.98M | 30.80M | 1.10M | 1.10M | 1.30M |
| Long-Term Leases | 3.12M | 3.57M | 3.87M | 4.30M | 4.72M | |
| Trust Preferred Securities | 12.89M | 12.89M | 12.89M | 12.89M | 12.89M | 12.89M |
| Other Long-Term Liabilities | 8.70M | 8.83M | 4.66M | 6.24M | 3.37M | |
| Total Liabilities | 1.11B | 1.17B | 1.15B | 1.01B | 980.86M | 934.35M |
| Preferred Stock, Redeemable | 1.50M | 1.50M | 1.50M | 1.50M | ||
| Total Preferred Equity | 1.50M | 1.50M | 1.50M | 1.50M | ||
| Common Stock | 14.78M | 14.71M | 14.52M | 14.31M | 14.12M | 13.97M |
| Additional Paid-In Capital | 41.11M | 40.08M | 38.80M | 37.57M | 36.38M | 35.32M |
| Retained Earnings | 82.92M | 73.02M | 61.62M | 54.20M | 46.46M | 37.76M |
| Treasury Stock | -4.53M | -4.51M | -2.62M | -2.62M | -2.62M | -2.62M |
| Comprehensive Income & Other | -13.47M | -9.61M | -15.78M | -15.93M | -20.67M | -1.17M |
| Total Common Equity | 120.81M | 113.69M | 96.55M | 87.53M | 73.68M | 83.26M |
| Shareholders' Equity | 120.81M | 113.69M | 98.05M | 89.03M | 75.18M | 84.76M |
| Total Liabilities & Equity | 1.23B | 1.29B | 1.25B | 1.10B | 1.06B | 1.02B |
| Total Debt | 58.75M | 94.02M | 138.00M | 107.61M | 51.57M | 51.52M |
| Net Cash (Debt) | -11.46M | 34.05M | -27.06M | -87.18M | 19.07M | 49.84M |
| Net Cash Per Share | -2.05 | 6.08 | -4.87 | -15.93 | 3.53 | 9.32 |
| Filing Date Shares Outstanding | 5.61M | 5.58M | 5.60M | 5.51M | 5.44M | 5.38M |
| Total Common Shares Outstanding | 5.61M | 5.58M | 5.60M | 5.51M | 5.44M | 5.38M |
| Book Value Per Share | 21.53 | 20.36 | 17.24 | 15.87 | 13.55 | 15.48 |
| Tangible Book Value | 109.23M | 102.11M | 84.97M | 75.95M | 62.10M | 71.69M |
| Tangible Book Value Per Share | 19.47 | 18.29 | 15.18 | 13.77 | 11.42 | 13.33 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 16.97M | 12.76M | 13.43M | 13.74M | 13.14M | |
| Depreciation & Amortization | 1.17M | 1.16M | 1.21M | 1.30M | 1.33M | |
| Gain (Loss) on Sale of Assets | 7.84K | -26.69K | 33.23K | 55.57K | ||
| Gain (Loss) on Sale of Investments | 882.08K | 957.05K | 816.72K | 878.25K | 894.13K | |
| Provision for Credit Losses | 1.37M | 1.13M | 1.48M | 978.00K | 624.16K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 7.62K | 88.09K | 153.49K | 576.88K | 331.94K | |
| Accrued Interest Receivable | -135.50K | -225.68K | -1.03M | -813.77K | 587.42K | |
| Change in Income Taxes | 29.64K | 17.18K | -339.20K | 499.52K | -258.58K | |
| Change in Other Net Operating Assets | -325.02K | -338.03K | -131.74K | -339.01K | -837.34K | |
| Other Operating Activities | -77.30K | 226.85K | -516.98K | -274.34K | -301.78K | |
| Operating Cash Flow | 16.05M | 15.77M | 14.93M | 15.74M | 14.04M | |
| Capital Expenditures | -780.77K | -791.79K | -633.46K | -615.55K | -895.74K | |
| Investment in Securities | 22.94M | 24.61M | 8.59M | -38.47M | -122.80M | |
| Income (Loss) Equity Investments | -1.78M | -1.22M | -1.03M | -584.97K | -951.61K | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -38.06M | -84.05M | -97.22M | -58.54M | 19.24M | |
| Other Investing Activities | -303.70K | 3.37M | -2.83M | 2.62M | -137.90K | |
| Investing Cash Flow | -16.20M | -56.56M | -92.09M | -95.00M | -104.59M | |
| Short-Term Debt Issued | 12.69M | 56.68M | 467.95K | |||
| Long-Term Debt Issued | 10.18M | 30.00M | ||||
| Total Debt Issued | 10.18M | 42.69M | 56.68M | 467.95K | ||
| Short-Term Debt Repaid | -49.25M | -12.00M | -6.27M | |||
| Long-Term Debt Repaid | -5.23M | -226.86K | -419.86K | -213.06K | -1.55M | |
| Total Debt Repaid | -54.48M | -12.23M | -419.86K | -213.06K | -7.82M | |
| Net Debt Issued (Repaid) | -44.30M | 30.46M | 56.26M | 254.90K | -7.82M | |
| Repurchase of Common Stock | -1.88M | |||||
| Preferred Share Repurchases | -1.50M | |||||
| Common Dividends Paid | -3.97M | -3.71M | -3.68M | -3.71M | -3.39M | |
| Preferred Dividends Paid | -96.59K | -125.62K | -120.94K | -66.56K | -48.75K | |
| Total Dividends Paid | -4.06M | -3.84M | -3.80M | -3.78M | -3.44M | |
| Net Increase (Decrease) in Deposit Accounts | 69.02M | 104.68M | -26.00M | 43.57M | 97.11M | |
| Financing Cash Flow | 17.27M | 131.30M | 26.46M | 40.05M | 85.86M | |
| Net Cash Flow | 17.12M | 90.51M | -50.71M | -39.22M | -4.69M | |
| Free Cash Flow | 15.27M | 14.98M | 14.30M | 15.12M | 13.15M | |
| Free Cash Flow Margin | 32.20% | 36.82% | 35.83% | 39.02% | 34.80% | |
| Free Cash Flow Per Share | 2.73 | 2.70 | 2.61 | 2.80 | 2.46 | |
| Cash Interest Paid | 21.93M | 19.04M | 11.68M | 4.01M | 3.15M | |
| Cash Income Tax Paid | 2.51M | 1.32M | 2.87M | 2.49M | 2.96M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 242.15M | 138.53M | 93.15M | 98.89M | 105.72M | 110.49M |
| Last Close Price | 41.99 | 24.21 | 15.42 | 15.72 | 16.21 | 16.37 |
| PE Ratio | 12.92 | 8.21 | 7.37 | 7.43 | 7.73 | 8.44 |
| PS Ratio | 4.70 | 2.92 | 2.29 | 2.48 | 2.73 | 2.92 |
| PB Ratio | 1.95 | 1.22 | 0.95 | 1.11 | 1.41 | 1.30 |
| P/FCF Ratio | 12.13 | 9.07 | 6.22 | 6.92 | 6.99 | 8.40 |
| P/OCF Ratio | 11.51 | 8.63 | 5.91 | 6.62 | 6.72 | 7.87 |
| Debt / Equity Ratio | 0.49 | 0.83 | 1.41 | 1.21 | 0.69 | 0.61 |
| Debt / FCF Ratio | 6.16 | 9.21 | 7.53 | 3.41 | 3.92 | |
| Net Debt / Equity Ratio | 0.10 | -0.30 | 0.28 | 0.98 | -0.25 | -0.59 |
| Net Debt / FCF Ratio | -2.23 | 1.81 | 6.10 | -1.26 | -3.79 | |
| Return on Equity (ROE) | 16.14% | 16.03% | 13.65% | 16.36% | 17.18% | 16.21% |
| Return on Assets (ROA) | 1.53% | 1.34% | 1.09% | 1.25% | 1.32% | 1.36% |
| Earnings Yield | 7.74% | 12.25% | 13.70% | 13.58% | 13.00% | 11.89% |
| FCF Yield | 8.25% | 11.02% | 16.08% | 14.46% | 14.30% | 11.90% |
| Dividend Yield | 2.41% | 3.95% | 5.65% | 5.13% | 4.73% | 4.28% |
| Payout Ratio | 31.13% | 23.94% | 30.06% | 28.26% | 27.51% | 26.15% |
| Buyback Yield / Dilution | 0.17% | -0.90% | -1.49% | -1.25% | -1.08% | -1.35% |
| Total Shareholder Return | 2.61% | 3.05% | 4.16% | 3.88% | 3.65% | 2.93% |