Community Bancorp Financial Ratios — CMTV Stock

Profitability (USD)

	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
Return on Common Equity (%)	26.17	29.31	30.38	26.93	23	23.81	24.26	28.59	25.84	26.95	27.58	24.35	20.62	17.47	20.59
Return on Assets (%)	0.65	0.78	0.89	0.88	0.82	0.89	0.96	1.21	1.21	1.3	1.36	1.32	1.25	1.09	1.34
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	8.29	7.85	7.03	6.3	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
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
Operating Margin (%)	- -	17.66	25.65	26.61	26.25	27.98	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	1,001.18	239.79	1,677	455.37	15.4	59.41	-375.25	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	17.08	17.66	25.65	28.44	26.25	27.98	32.12	33.91	34.97	38.72	44.14	43.03	41.52	38.3	44.17
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
Net Income to Common Margin (%)	15.19	17.46	20.65	20.76	18.9	20.38	21.54	27.75	28.78	31.89	35.83	34.87	33.85	31.84	36.52
Effective Tax Rate (%)	6.14	- -	18.19	25.84	26.78	25.97	31.83	17.15	16.86	17.28	18.5	18.58	17.73	16.04	16.84
Dvd Payout Ratio (%)	47.54	41.95	39.44	42.99	47.68	42.88	40.1	32.23	32.47	27.57	25.87	27.15	27.61	29.36	23.51
Sustainable Growth Rate (%)	13.73	17.01	18.4	15.35	12.03	13.6	14.53	19.37	17.45	19.52	20.45	17.74	14.93	12.34	15.75

Credit (USD)

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	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 Debt	32	20	14	14	23	45	17	14	16	16	14	14	67	85	49
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	32	20	14	14	23	45	17	14	16	16	14	14	67	85	49
Total Debt/EBITDA	21.91	3.44	1.81	1.75	2.99	5.15	12.89	14.71	16.71	17.53	12.84	12.43	63.07	83	46.75
Net Debt/EBITDA	5.14	1.33	0.14	0.12	1.71	3.84	4.4	-0.48	5.67	5.41	-3.31	1.65	49.05	73.41	35.46
Total Debt/EBIT	- -	4.61	2.19	2.09	3.56	6.06	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	1.79	0.17	0.15	2.03	4.52	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.44	2.65	3.08	3.37	3.61	3.74	4	4.35	4.92	4.7	5.08	5.74	6.23	6.1	6.81
Long-Term Debt/Equity (%)	77.55	45.35	29.47	27.61	45.6	82.5	29.03	23.06	22.55	20.3	16.74	18.87	75.8	87.19	42.98
Long-Term Debt/Capital (%)	66.48	52.55	40.24	37.79	49.42	63.04	36.55	30.22	29.13	25.98	21.04	18.6	49.08	52.4	35.77
Long-Term Debt/Total Assets (%)	5.74	3.42	2.37	2.31	3.93	7.04	2.52	2	2.11	1.71	1.39	1.34	6.14	6.84	3.79
Total Debt/Equity (%)	77.55	45.35	29.47	27.61	45.6	82.5	29.03	23.06	22.55	20.3	16.74	18.87	75.8	87.19	42.98
Total Debt/Capital (%)	66.48	52.55	40.24	37.79	49.42	63.04	36.55	30.22	29.13	25.98	21.04	18.6	49.08	52.4	35.77
Total Debt/Total Assets (%)	5.74	3.42	2.37	2.31	3.93	7.04	2.52	2	2.11	1.71	1.39	1.34	6.14	6.84	3.79
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
Net Debt/Capital (%)	30.65	29.12	4.76	3.99	35.32	55.53	16.27	-1.43	12.25	9.77	-7.37	2.95	42.85	49.34	29.7
EBITDA	1	6	8	8	8	9	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	1	6	8	8	8	9	1	1	1	1	1	1	1	1	1
Operating Income (Loss)	- -	4	6	6	7	7	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.44	2.65	3.08	3.37	3.61	3.74	4	4.35	4.92	4.7	5.08	5.74	6.23	6.1	6.81
Long-Term Debt/Equity (%)	77.55	45.35	29.47	27.61	45.6	82.5	29.03	23.06	22.55	20.3	16.74	18.87	75.8	87.19	42.98
Long-Term Debt/Capital (%)	66.48	52.55	40.24	37.79	49.42	63.04	36.55	30.22	29.13	25.98	21.04	18.6	49.08	52.4	35.77
Long-Term Debt/Total Assets (%)	5.74	3.42	2.37	2.31	3.93	7.04	2.52	2	2.11	1.71	1.39	1.34	6.14	6.84	3.79
Total Debt/Equity (%)	77.55	45.35	29.47	27.61	45.6	82.5	29.03	23.06	22.55	20.3	16.74	18.87	75.8	87.19	42.98
Total Debt/Capital (%)	66.48	52.55	40.24	37.79	49.42	63.04	36.55	30.22	29.13	25.98	21.04	18.6	49.08	52.4	35.77
Total Debt/Total Assets (%)	5.74	3.42	2.37	2.31	3.93	7.04	2.52	2	2.11	1.71	1.39	1.34	6.14	6.84	3.79
CFO/Total Liabilities	1.23	1.37	1.99	1.74	1.03	1.6	1.32	1.55	1.68	1.62	1.5	1.6	1.48	1.37	1.37
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.07	0.11	0.14	0.14	0.15	0.16	0.14	0.13	0.14	0.13	0.15	0.16	0.16	0.15	0.19

Working Capital (USD)

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	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
Accounts Receivable Turnover	12.81	13.98	13.74	13.98	15.07	15.34	14.7	13.73	13.09	12.62	13.56	13.97	10.54	9.11	10.17
Days Sales Outstanding	28.5	26.11	26.57	26.11	24.22	23.79	24.82	26.58	27.88	28.93	26.92	26.13	34.63	40.08	35.88
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	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
Market Capitalization	24	29	38	43	46	53	66	62	64	64	93	93	92	91	139
- Cash & Cash Equivalents	23	11	12	12	9	11	11	15	10	11	18	12	15	10	12
+ Preferred Equity and Hybrid Capital	2	2	2	2	2	2	2	2	2	2	2	2	2	2	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	32	20	14	14	23	45	17	14	16	16	14	14	67	85	49
Enterprise Value	-52	-33	-20	-14	36	56	36	24	25	10	-91	-96	-45	9	32
Total Capital	48	37	34	36	47	71	46	48	53	60	67	76	137	163	137
Total Debt/Capital (%)	66.48	52.55	40.24	37.79	49.42	63.04	36.55	30.22	29.13	25.98	21.04	18.6	49.08	52.4	35.77
Total Debt / EV	-0.61	-0.59	-0.67	-0.98	0.66	0.8	0.46	0.6	0.63	1.59	-0.16	-0.15	-1.5	9.7	1.53
EV/Sales	- -	- -	- -	- -	1.42	2.12	1.27	0.81	0.81	0.29	- -	- -	- -	0.22	0.69
EV/EBITDA	- -	- -	- -	- -	4.56	6.42	27.79	24.7	26.53	11.05	- -	- -	- -	8.56	30.6
EV/EBIT	- -	- -	- -	- -	5.42	7.56	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	6.38	6.02	4.5	2.38	2.19	0.73	- -	- -	- -	0.56	1.99
EV/Free Cash Flow to Firm	- -	- -	- -	- -	6.38	6.02	4.5	2.38	2.19	0.73	- -	- -	- -	0.56	1.99
Diluted Market Cap	24	29	38	43	46	53	66	62	64	64	93	93	92	91	139
Diluted Enterprise Value	35	40	43	47	62	90	75	64	71	71	91	97	146	169	177
EV per Share	- -	- -	- -	- -	7.19	11.15	7.13	4.72	4.74	1.85	- -	- -	- -	1.59	5.71
TTM Sales	22	24	24	24	25	26	28	30	30	34	37	39	39	40	46
TTM EBITDA	1	6	8	8	8	9	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	4	6	6	7	7	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	6	7	11	9	6	9	8	10	11	14	14	16	15	16	16
TTM Free Cash Flow to Firm	6	7	11	9	6	9	8	10	11	14	14	16	15	16	16

Multiples (USD)

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	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
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
EV/EBIT	- -	- -	- -	- -	5.42	7.56	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-52	-33	-20	-14	36	56	36	24	25	10	-91	-96	-45	9	32
Low Price	8.14	8.9	10.65	13.01	13.6	13.15	15	16	15.07	9.55	14.5	17.33	15.64	14.31	16.57
EV/Sales	- -	- -	- -	- -	1.42	2.12	1.27	0.81	0.81	0.29	- -	- -	- -	0.22	0.69
EV/EBITDA	- -	- -	- -	- -	4.56	6.42	27.79	24.7	26.53	11.05	- -	- -	- -	8.56	30.6
Price/Earnings	7.05	7	7.66	8.57	9.63	9.87	10.78	7.48	7.31	6	7.13	6.83	6.89	7.23	8.27
Price/Earnings Average	6.81	6.39	7.15	8.31	9.5	8.81	10.16	7.83	7.37	5.5	6.37	6.97	6.86	6.95	6.74
Price/Earnings High	15.14	12.74	15.22	14.32	15.43	14.9	16.96	12.01	10.69	8.18	9.35	9.88	9.43	8.79	8.57
Price/Earnings Low	11.21	10.08	10.29	12.63	14.22	12.24	12.44	9.91	8.98	4.77	5.92	6.85	6.43	6.29	5.5
Price/Book Value	1.77	1.93	2.17	2.19	2.13	2.23	2.48	1.98	1.76	1.49	1.8	1.54	1.34	1.2	1.59
Price/Book Value Average	1.71	1.77	2.02	2.12	2.1	2	2.33	2.07	1.77	1.36	1.61	1.57	1.33	1.15	1.3
Price/Book Value High	3.81	3.52	4.31	3.65	3.41	3.37	3.89	3.18	2.57	2.03	2.37	2.23	1.83	1.46	1.65
Price/Book Value Low	2.82	2.78	2.91	3.22	3.14	2.77	2.86	2.62	2.16	1.18	1.5	1.55	1.25	1.04	1.06
Price/Tangible Book Value	0.95	1.06	1.24	1.27	1.24	1.33	1.51	1.27	1.14	1	1.3	1.5	1.21	1.08	1.37
Price/Tangible Book Value Average	0.92	0.97	1.16	1.23	1.23	1.19	1.42	1.32	1.15	0.92	1.16	1.53	1.2	1.03	1.11
Price/Tangible Book Value High	2.05	1.92	2.46	2.12	1.99	2	2.37	2.03	1.67	1.36	1.71	2.18	1.65	1.31	1.42
Price/Tangible Book Value Low	1.51	1.52	1.66	1.87	1.83	1.65	1.74	1.68	1.41	0.8	1.08	1.51	1.13	0.94	0.91
Price/Sales	1.07	1.22	1.58	1.78	1.82	2.01	2.32	2.08	2.1	1.91	2.56	2.38	2.33	2.3	3.02
Price/Sales Average	1.03	1.12	1.48	1.73	1.8	1.8	2.19	2.17	2.12	1.75	2.28	2.43	2.32	2.21	2.46
Price/Sales High	2.3	2.22	3.14	2.97	2.92	3.04	3.65	3.33	3.08	2.61	3.35	3.45	3.19	2.8	3.13
Price/Sales Low	1.7	1.76	2.13	2.62	2.69	2.5	2.68	2.75	2.58	1.52	2.12	2.39	2.18	2	2.01
Price/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
Price/Cash Flow Average	3.68	3.7	3.41	4.49	8.06	5.11	7.72	6.39	5.72	4.33	5.94	6.05	6.12	5.57	7.08
Price/Cash Flow High	8.18	7.37	7.25	7.73	13.09	8.64	12.89	9.8	8.31	6.45	8.72	8.59	8.41	7.04	9.01
Price/Cash Flow Low	6.05	5.83	4.9	6.82	12.07	7.1	9.46	8.09	6.97	3.76	5.52	5.95	5.73	5.04	5.78
Price/Free Cash Flow Average	3.68	3.7	3.41	4.49	8.06	5.11	7.72	6.39	5.72	4.33	5.94	6.05	6.12	5.57	7.08
Price/Free Cash Flow High	8.18	7.37	7.25	7.73	13.09	8.64	12.89	9.8	8.31	6.45	8.72	8.59	8.41	7.04	9.01
Price/Free Cash Flow Low	6.05	5.83	4.9	6.82	12.07	7.1	9.46	8.09	6.97	3.76	5.52	5.95	5.73	5.04	5.78
EV/Sales Average	1.52	1.57	1.65	1.89	2.45	3.17	2.49	2.22	2.34	1.94	2.22	2.52	3.7	4.16	3.26
EV/Sales High	2.78	2.68	3.32	3.14	3.57	4.41	3.96	3.39	3.3	2.8	3.29	3.53	4.57	4.74	3.93
EV/Sales Low	2.18	2.21	2.3	2.79	3.34	3.87	2.98	2.8	2.81	1.71	2.06	2.47	3.55	3.94	2.81
EV/EBITDA Average	23.4	6.62	5.33	5.97	7.86	9.63	54.35	67.72	76.48	72.9	73.55	86.39	135.84	160.16	144.19
EV/EBITDA High	42.94	11.3	10.71	9.9	11.45	13.4	86.28	103.07	107.74	105.02	108.85	121.29	167.8	182.7	173.75
EV/EBITDA Low	33.71	9.33	7.43	8.8	10.72	11.76	65.04	85.32	91.62	64.15	68.21	84.99	130.43	152.02	124.28
EV/EBIT Average	- -	8.88	6.44	7.11	9.34	11.34	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	15.15	12.94	11.8	13.6	15.78	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	12.52	8.97	10.49	12.74	13.84	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	5.12	6.18	7.92	8.83	9.21	10.6	13	12.08	12.27	12.02	17.46	17.29	16.77	16.46	24.89
High Price	11	11.25	15.75	14.75	14.75	16	20.45	19.39	17.95	16.39	22.9	25	22.95	20	25.8
Enterprise Value Average	34	38	40	46	62	84	71	66	71	65	81	99	145	165	151
Enterprise Value High	62	65	80	76	90	117	113	101	100	94	120	138	180	188	182
Enterprise Value Low	49	53	56	68	84	103	85	84	85	57	75	97	140	157	130

	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
Shares Outstanding	5	5	5	5	5	5	5	5	5	5	5	5	6	6	6
Diluted Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	6	6
Basic Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	6	6
Revenue per Share	4.78	5.06	5.01	4.96	5.06	5.27	5.6	5.82	5.83	6.28	6.83	7.26	7.19	7.15	8.24
EBITDA per Share	0.31	1.2	1.55	1.57	1.58	1.74	0.26	0.19	0.18	0.17	0.21	0.21	0.2	0.19	0.19
Operating Income per Share	- -	0.89	1.29	1.32	1.33	1.47	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
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
Cash Flow per 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
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
Cash & Equivalents per Share	23.56	17.8	15.43	14.91	7.25	8.89	9.67	10.56	10.8	13.38	37.45	37.98	37.6	30.54	27.9
Book Value per Share	2.89	3.2	3.66	4.04	4.33	4.74	5.25	6.1	6.97	8.08	9.68	11.21	12.52	13.71	15.66
Tangible Book Value per Share	5.38	5.85	6.4	6.96	7.42	7.98	8.63	9.54	10.72	12.01	13.41	11.49	13.88	15.3	18.22

Community Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)