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COMMUNITY BANCORP /VT

CMTV

$39.77 ▼ -0.09 (-0.23%) at close

17 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

COMMUNITY BANCORP /VT shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $222.8M

Dividend Yield 2.46%

Revenue Growth 16.7% ↗

Op. Margin 41.8% ↗

ROIC None

FCF / Share None

Trailing P/E 13.2x

Price / Book 2.0x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$48.78M

↑ +16.7% —

Net Income Profit after all expenses

$16.97M

↑ +32.9% —

Operating Margin Operating profit as % of sales

41.8%

↑ +15.0% 95th

Long-Term Debt Long-term obligations

$6.00M

↓ -66.7% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns →

Dividend History

Dividend / share · sourced from SEC filings

$0.98 Latest / share

+4.3% YoY

+3.9% 12-yr CAGR

$0.64

FY 2014

$0.64

FY 2015

$0.64

FY 2016

$0.68

FY 2017

$0.74

FY 2018

$0.76

FY 2019

$0.76

FY 2020

$0.88

FY 2021

$0.92

FY 2022

$0.92

FY 2023

$0.94

FY 2024

$0.98

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	16.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+178%)	1.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-83%)	4.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-30%)	3.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-43%)	9.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+63%)	10.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+81%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	6.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+7%)	7.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+17%)	4.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	3.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-42%)	-0.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-110%)	4.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	8.0% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+33%)	-2.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-133%)	—	—
EPS Growth YoY (%)	32.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-6.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	20.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	20.8% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	4.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	33.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	13.1% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	11.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-6.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	17.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	20.5% Good Good Year-over-year change in earnings per share Optimal: > 10%	-11.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	32.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-5.0% Weak ↓ Weak Declining Year-over-year change in net income	-2.2% Weak ↓ Weak Declining Year-over-year change in net income	4.6% Caution ↓ Caution Declining Year-over-year change in net income	22.1% Good ↑ Good Improving Year-over-year change in net income	21.9% Good ↑ Good Improving Year-over-year change in net income	5.1% Fair ↓ Fair Declining Year-over-year change in net income	34.8% Excellent ↑ Excellent Improving Year-over-year change in net income	13.6% Fair ↑ Fair Improving Year-over-year change in net income	13.6% Fair ↑ Fair Improving Year-over-year change in net income	-5.8% Weak ↓ Weak Declining Year-over-year change in net income	0.8% Caution ↓ Caution Declining Year-over-year change in net income	15.6% Good ↑ Good Improving Year-over-year change in net income	22.8% Good Good Year-over-year change in net income	-9.2% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.0% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.9% Caution Caution Compound annual revenue growth over 3 years	3.4% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	3.9% Caution Caution Compound annual revenue growth over 5 years	2.6% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	6.0% Fair → Fair Stable Compound annual EPS growth over 3 years	-2.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	6.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	14.6% Good ↓ Good Declining Compound annual EPS growth over 3 years	15.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	18.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	5.5% Fair → Fair Stable Compound annual EPS growth over 3 years	1.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	12.2% Good Good Compound annual EPS growth over 3 years	7.9% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	41.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	36.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	39.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	42.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	42.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	16.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	34.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	30.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	32.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	34.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	34.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	30.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	28.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	21.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	18.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	20.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	20.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	18.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	16.0% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	17.3% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	14.9% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+24%)	13.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	15.1% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+26%)	18.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+52%)	15.5% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+29%)	13.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+16%)	12.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	13.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	10.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	10.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	11.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	10.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	8.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	10.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	0.14x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.44x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$8.71	$7.53	$7.56	$7.35	$7.18	$6.63	$6.06	$6.00	$5.70	$5.38	$5.22	$5.11	$5.20	$5.06	$4.78	$4.97	—
Basic EPS, GAAP (USD)	$3.01	$2.28	$2.43	$2.53	$2.45	$2.03	$1.68	$1.61	$1.21	$1.07	$0.96	$1.03	$1.03	$0.88	$0.73	$0.82	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.98	$0.94	$0.92	$0.92	$0.88	$0.76	$0.76	$0.74	$0.68	$0.64	$0.64	$0.64	$0.56	$0.56	$0.56	$0.48	—
Book Value per Share (USD)	$20.29	$17.66	$16.27	$13.91	$15.85	$14.65	$13.24	$12.18	$11.40	$10.84	$10.36	$10.00	$9.54	$9.09	$8.75	$8.54	—
Tangible Book Value per Share (USD)	$18.22	$15.57	$14.16	$11.77	$13.69	$12.46	$11.01	$9.93	$9.12	$8.53	$8.03	$7.64	$7.14	$6.66	$6.28	$6.01	—
Basic Weighted Avg Shares (shares)	5.60M	5.55M	5.47M	5.40M	5.35M	5.27M	5.20M	5.14M	5.08M	5.02M	4.96M	4.90M	4.84M	4.77M	4.67M	4.58M	—
Dividend Payout Ratio (%)	32.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.9% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	36.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	35.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	45.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	56.2% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	59.8% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	66.7% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	62.1% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	54.4% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	63.6% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	76.7% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	58.5% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	$6.00M	$18.01M	—	—
Total Equity (USD)	$113.69M	$98.05M	$89.03M	$75.18M	$84.76M	$77.29M	$68.89M	$62.60M	$57.94M	$54.45M	$51.41M	$49.00M	$46.14M	$43.35M	$40.92M	$39.13M	$36.89M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$48.78M	$41.81M	$41.38M	$39.73M	$38.40M	$34.99M	$31.56M	$30.81M	$28.96M	$27.05M	$25.91M	$25.04M	$25.18M	$24.13M	$22.35M	$22.80M	—
Net Income, GAAP (USD)	$16.97M	$12.76M	$13.43M	$13.74M	$13.14M	$10.76M	$8.82M	$8.40M	$6.23M	$5.48M	$4.83M	$5.12M	$5.09M	$4.40M	$3.58M	$3.95M	—
Operating Cash Flow (USD)	$16.05M	$15.77M	$14.93M	$15.74M	$14.04M	$13.58M	$11.25M	$10.17M	$8.07M	$9.31M	$5.59M	$9.34M	$10.51M	$7.28M	$6.29M	$4.88M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	2.8%	3.1%	3.1%	3.1%	3.1%	3.5%	3.4%	3.5%	3.4%	3.5%	3.4%	3.3%	3.1%	3.1%	3.1%	—
Efficiency Ratio (%) (%)	55.4%	60.9%	57.0%	55.1%	56.4%	58.3%	63.0%	64.6%	66.2%	70.8%	72.6%	70.2%	72.6%	78.2%	78.4%	75.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 65 quarters

COMMUNITY BANCORP /VT

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17-Year Financial Trajectory

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