Community Bancorp

CMTV

CMTVCommunity Bancorp US flag

NASDAQ Capital Market

35.76

USD

-1.03

- -

199.94MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	22	24	24	24	25	26	28	30	30	34	37	39	39	40	46
+ Sales & Services Revenue	22	24	24	24	25	26	28	30	30	34	37	39	39	40	46
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	-4	-6	-6	-7	-7	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	8	9	9	10	10	11	10	12	12	12	12	12	13	16	17
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-8	-9	-9	-10	-10	-11	-10	-12	-12	-12	-12	-12	-13	-16	-17
Operating Income (Loss)	- -	4	6	6	7	7	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-4	- -	- -	- -	- -	- -	-9	-10	-11	-13	-16	-17	-16	-15	-20
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-4	- -	- -	- -	- -	- -	-9	-10	-11	-13	-16	-17	-16	-15	-20
Pretax Income	4	4	6	7	7	7	9	10	11	13	16	17	16	15	20
- Income Tax Expense (Benefit)	- -	- -	1	2	2	2	3	2	2	2	3	3	3	2	3
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	4	4	5	5	5	5	6	8	9	11	13	14	13	13	17
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	4	4	5	5	5	5	6	8	9	11	13	14	13	13	17
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	4	4	5	5	5	5	6	8	9	11	13	14	13	13	17
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	3	4	5	5	5	5	6	8	9	11	13	14	13	13	17
EBIT	- -	4	6	6	7	7	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	6	8	8	8	9	1	1	1	1	1	1	1	1	1
EBITDA Margin (%)	6.48	23.68	30.97	31.72	31.2	32.94	4.59	3.28	3.06	2.66	3.02	2.91	2.72	2.59	2.26
EBITA	- -	4	6	6	7	7	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	17.66	25.65	26.61	26.25	27.98	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	16.03	18.24	20.98	21.09	19.22	20.71	21.9	28.1	29.07	32.03	35.97	35.04	34.16	32.15	36.73
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.39	0.41	0.42	0.46	0.47	0.48	0.5	0.54	0.56	0.56	0.64	0.7	0.69	0.69	0.73
Depreciation Expense	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	6	6
Basic EPS, GAAP	0.73	0.88	1.03	1.03	0.96	1.07	1.21	1.61	1.68	2	2.45	2.53	2.43	2.28	3.01
Basic EPS from Cont Ops	0.77	0.92	1.05	1.05	0.97	1.09	1.23	1.63	1.7	2.01	2.46	2.54	2.45	2.3	3.03
Diluted Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	6	6
Diluted EPS, GAAP	0.73	0.88	1.03	1.03	0.96	1.07	1.21	1.61	1.68	2	2.45	2.53	2.43	2.28	3.01
Diluted EPS from Cont Ops	0.77	0.92	1.05	1.05	0.97	1.09	1.23	1.63	1.7	2.01	2.46	2.54	2.45	2.3	3.03

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	110	85	75	73	36	45	49	54	56	72	200	205	206	170	156
+ Cash & Cash Equivalents	23	11	12	12	9	11	11	15	10	11	18	12	15	10	12
+ ST Investments	87	74	63	61	26	34	38	39	46	61	182	193	191	160	145
+ Accounts & Notes Receiv	2	2	2	2	2	2	2	2	2	3	2	3	4	4	5
+ Accounts Receivable, Net	2	2	2	2	2	2	2	2	2	3	2	3	4	4	5
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-112	-87	-76	-75	-38	-46	-51	-57	-59	-75	-203	-208	-210	-174	-161
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	13	12	12	11	11	11	10	10	11	10	14	13	12	12	12
+ Property, Plant & Equip	22	23	23	24	25	25	22	22	23	21	26	26	27	27	28
- Accumulated Depreciation	10	11	12	13	13	14	12	12	13	11	12	13	14	15	16
+ LT Investments & Receivables	96	83	73	75	70	84	87	39	46	61	182	193	191	160	145
+ LT Investments	96	83	73	75	70	84	87	39	46	61	182	193	191	160	145
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-109	-95	-85	-86	-81	-94	-98	-49	-57	-71	-196	-206	-203	-172	-157
+ Total Intangible Assets	13	13	13	12	12	12	12	12	12	12	12	12	12	12	12
+ Goodwill	12	12	12	12	12	12	12	12	12	12	12	12	12	12	12
+ Other Intangible Assets	2	1	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-122	-108	-98	-99	-93	-106	-109	-61	-69	-82	-208	-218	-215	-183	-168
Total Assets	553	576	574	587	596	638	667	720	738	918	1,019	1,056	1,099	1,249	1,288
+ Payables & Accruals	4	3	3	3	4	3	3	4	5	4	8	11	- -	- -	- -
+ Accounts Payable	4	3	3	3	4	3	3	4	5	4	8	11	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-4	-3	-3	-3	-4	-3	-3	-4	-5	-4	-8	-11	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-4	-3	-3	-3	-4	-3	-3	-4	-5	-4	-8	-11	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	32	20	14	14	23	45	17	14	16	16	14	14	67	85	49
+ LT Borrowings	31	19	13	13	23	44	16	14	16	16	14	14	67	85	49
+ LT Finance Leases	1	1	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-32	-20	-14	-14	-23	-45	-17	-14	-16	-16	-14	-14	-67	-85	-49
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-32	-20	-14	-14	-23	-45	-17	-14	-16	-16	-14	-14	-67	-85	-49
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	512	532	528	538	545	583	609	658	669	841	934	981	1,010	1,151	1,174
+ Preferred Equity and Hybrid Capital	2	2	2	2	2	2	2	2	2	2	2	2	2	2	- -
+ Share Capital & APIC	40	41	41	42	43	44	45	46	47	48	49	51	52	53	55
+ Common Stock	12	13	13	13	13	13	13	13	14	14	14	14	14	15	15
+ Additional Paid in Capital	27	28	29	29	30	31	32	33	33	34	35	36	38	39	40
- Treasury Stock	3	3	3	3	3	3	3	3	3	3	3	3	3	3	5
+ Retained Earnings	1	3	5	7	8	11	13	18	23	29	38	46	54	62	73
+ Other Equity	- -	- -	- -	- -	- -	- -	- -	-1	- -	1	-1	-21	-16	-16	-10
Equity Before Minority Interest	41	43	46	49	51	54	58	63	69	77	85	75	89	98	114
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	41	43	46	49	51	54	58	63	69	77	85	75	89	98	114
Total Liabilities & Equity	553	576	574	587	596	638	667	720	738	918	1,019	1,056	1,099	1,249	1,288
Shares Outstanding	5	5	5	5	5	5	5	5	5	5	5	5	6	6	6
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	1	1	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	7	8	1	1	13	33	6	- -	5	5	-4	2	52	76	37
Net Debt to Equity	18.18	17.56	2.27	1.94	26.08	61.51	9.92	-0.75	7.65	6.26	-4.31	2.51	58.95	77.12	32.6
Tangible Common Equity Ratio	4.66	4.96	5.52	5.94	6.3	6.41	6.69	6.92	7.68	7.08	7.12	5.95	6.98	6.87	8
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	4	4	5	5	5	5	6	8	9	11	13	14	13	13	17
+ Depreciation & Amortization	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
+ Non-Cash Items	2	3	3	2	- -	2	1	2	1	1	- -	1	1	1	- -
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	- -	- -	1	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	2	3	3	1	- -	2	- -	2	1	1	- -	2	1	1	- -
+ Chg in Non-Cash Work Cap	-1	-2	1	1	- -	- -	- -	-1	- -	1	-1	-1	- -	1	-2
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	1	-1	-1	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	-1	-1	2	1	- -	- -	1	- -	- -	- -	- -	1	1	1	-2
+ Inc (Dec) in Other	- -	-1	- -	- -	- -	1	-1	-1	- -	1	-1	-1	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	6	7	11	9	6	9	8	10	11	14	14	16	15	16	16
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2
+ Net Change in LT Investment	-40	13	9	-2	4	-14	-3	-2	-6	-14	-125	-38	8	25	23
+ Dec in LT Investment	61	73	57	61	56	50	50	9	20	23	19	19	17	31	38
+ Inc in LT Investment	-101	-60	-48	-63	-53	-64	-53	-11	-26	-37	-144	-57	-9	-6	-15
+ Net Cash From Acq & Div	- -	- -	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	4	-33	-24	-9	-8	-31	-15	-27	-31	-103	20	-57	-100	-81	-39
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-36	-20	-15	-11	-5	-45	-18	-30	-37	-117	-105	-95	-92	-57	-16
+ Dividends Paid	-2	-2	-2	-2	-2	-2	-3	-3	-3	-3	-3	-4	-4	-4	-4
+ Net Cash From Debt	-15	-12	-6	- -	- -	- -	2	-2	1	- -	-2	- -	- -	30	5
+ Cash From Debt	- -	- -	- -	6	- -	1	2	- -	1	- -	- -	- -	- -	30	10
+ Repayments of Debt	-15	-12	-6	-6	- -	- -	- -	-2	- -	- -	-2	- -	- -	- -	-5
+ Other Financing Activities	19	34	2	10	6	39	24	50	8	173	91	44	31	105	18
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	2	20	-7	8	4	37	23	45	6	170	86	40	26	131	17
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-28	6	-12	7	4	1	13	25	-19	66	-5	-39	-51	91	17
EBITDA	1	6	8	8	8	9	1	1	1	1	1	1	1	1	1
EBITDA Margin (%)	6.48	23.68	30.97	31.72	31.2	32.94	4.59	3.28	3.06	2.66	3.02	2.91	2.72	2.59	2.26
Free Cash Flow	6	7	11	9	6	9	8	10	11	14	14	16	15	16	16
Net Cash Paid for Acquisitions	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	6	- -	11	9	6	9	8	10	11	14	14	16	15	16	16
Free Cash Flow to Equity	-9	-5	4	9	5	10	10	7	12	14	12	15	14	45	19
Free Cash Flow per Basic Share	1.35	1.53	2.17	1.91	1.13	1.85	1.59	1.98	2.16	2.54	2.63	2.91	2.73	2.84	2.86
Price/Free Cash Flow	3.81	4.05	3.65	4.63	8.17	5.72	8.19	6.11	5.68	4.73	6.65	5.94	6.15	5.8	8.69
Cash Flow to Net Income	1.75	1.65	2.07	1.82	1.16	1.7	1.29	1.21	1.27	1.26	1.07	1.15	1.11	1.24	0.95
Capital Expenditures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -