XVARY Composite Score
53
/ 100
Below Average
Combines growth, value, risk, and momentum factors into a single institutional-grade score.
Start here if you're new
What it is
It takes deposits and makes loans for people, businesses, nonprofits, and towns across northern and central Vermont.
How it gets paid
Last year Community Bancorp Vt made $55M in revenue. commercial real estate lending was the main engine at $16M, or 29% of sales.
What just happened
Prior copy mixed $45M “revenue” with ~$2.18 EPS and $4.02 “trailing” EPS—those lines do not reconcile with the ~$55M annual revenue table.
At a Glance
B balance sheet — gets the job done, barely
35/100 earnings predictability — expect surprises
9.7x trailing p/e — the market's not buying it — or you found a deal
2.6% dividend yield — cash in your pocket every quarter
$2.28 fy2024 eps est
XVARY composite: 53/100 — below average
What They Do
It takes deposits and makes loans for people, businesses, nonprofits, and towns across northern and central Vermont.
This is a relationship bank, not an app with a mascot. It operates in northern and central Vermont with $1.23 billion in assets and 128 employees, which means your banker probably knows your town before your balance sheet. Personal relationships → customers stay because leaving is a hassle → so what: that local trust helps a small bank keep loans and deposits in markets bigger banks often treat like flyover territory.
How They Make Money
$55M
annual revenue
commercial real estate lending
$16M
business banking and commercial lending
$14M
residential real estate lending
$11M
municipal and institutional banking
$8M
retail banking and consumer credit
$6M
The Products That Matter
Commercial property lending
Commercial Real Estate Lending
core loan book exposure
this sits inside the lending engine of a bank that put up on the order of ~$17M net income last year on the ~$55M revenue table—not $17M of revenue. if local property credit gets worse, the income statement notices fast.
credit watch
Consumer home lending
Residential Mortgage Lending
traditional community banking
it gives you household exposure next to the commercial book, but it still sits in the same state and the same local economy. diversification is limited by geography, not loan type.
local demand
Funding the balance sheet
Deposit Services
supports ~$1.23B in assets
deposits are the raw material. they fund the loans, drive the spread business, and determine how much of that ~$46M net interest income (per the mix on this page) the bank gets to keep.
margin driver
Key Numbers
$47M
long-term debt
Long-term debt → borrowed money due later → so what: at 18% of capital, debt looks contained rather than dangerous.
9.7x
trailing p/e
P/E → stock price divided by yearly profit → so what: you are paying less for each dollar of earnings than many banks get.
2.6%
dividend yield
Dividend yield → cash paid to you each year as a share of price → so what: you get paid to wait, but not enough to ignore weak earnings.
$1.23B
total assets
Assets → the loans and securities a bank runs through its balance sheet → so what: this is a tiny stock attached to a much larger banking footprint.
Financial Health
B
Strength
- balance sheet grade B — adequate — nothing special
- risk rank 3 — safer than 50% of stocks
- price stability 80 / 100
- long-term debt $47M (18% of capital)
B — functional but not a standout on the balance sheet.
Total Return vs. Market
source: institutional data · return history unavailable
What Just Happened
reconcile filings
Prior copy mixed $45M “revenue” with ~$2.18 EPS and $4.02 “trailing” EPS—those lines do not reconcile with the ~$55M annual revenue table.
Use EDGAR: anchor to ~$55M annual revenue and ~$2.28 FY2024 EPS (scoreboard). vs. prior year percentage spikes in feeds are often restatement or period-mix artifacts on a small bank—verify the fiscal period before trusting 191% headlines.
~$55M
annual revenue
~$2.28
FY2024 EPS (est.)
~$46M
net int. income
the number that mattered
Internal consistency: ~$46M NII inside a ~$55M revenue picture (~84%) is coherent; $45M quarter + $4.02 trailing EPS on the same page was not.
source: company earnings report, 2026
Get this snapshot in your inbox
This page, delivered free — plus weekly updates when the numbers change. Plain English, no spam.
Weekly updates
Earnings alerts
Plain English
No spam
What Could Go Wrong
The #1 risk is Vermont loan and deposit concentration — CMTV is local by design, so a local slowdown does not get diversified away.
High
Vermont concentration
Operations, deposits, and lending all sit in one state. If Vermont credit demand weakens or local losses rise, 100% of the franchise feels it.
single-market exposure across the whole bank
High
Net interest margin compression
Net interest income is $46M, or 84% of the revenue mix shown here. If deposit costs rise faster than loan yields, the spread shrinks and that 35% net margin stops looking special.
pressures the part of the business doing most of the earning
Med
Commercial real estate credit quality
Commercial real estate lending is one of the businesses that matters here. A small bank does not need a national credit event to get hurt — a few weak loans can do the job.
loan-loss pressure can overwhelm a small income base
Med
Leadership transition
Kathryn Austin retired as CEO in late 2024. The numbers since then have held up, but new leadership has not been stress-tested through a full credit cycle.
execution risk matters more when the margin story is narrow
A local credit hit or higher funding costs would pressure the $46M net interest income stream that drives 84% of the revenue mix. If that slips, the 35% margin likely slips with it.
Source: institutional data · regulatory filings · risk analysis
Pay Attention To
Metric
Net interest income
It was $46M in the current revenue mix and drives 84% of the business. If that number softens, the thesis softens with it.
Calendar
Next quarterly earnings
Expect the next update around late April 2026. You want to see whether Q4's $0.83 EPS level was a floor or a peak.
Risk
Credit quality in local lending
Commercial real estate and residential loans are both local exposures. Watch for any sign that weak credits are starting to rise.
Trend
Tangible book value per share
It grew 20% in 2025. If book value keeps compounding, you are getting proof that earnings quality is real rather than cosmetic.
Analyst Rankings
earnings predictability
35 / 100
Low predictability means earnings are harder to model than the average stock. In human-speak: do not treat one good year as a permanent earnings base.
risk rank
3
This sits in the middle of the safety range. You are not buying a distressed bank, but you are not buying a fortress either.
price stability
80 / 100
The stock price has been steadier than many small caps. That helps, but it does not remove balance-sheet or local-economy risk.
Source: institutional data
Institutional Activity
institutional ownership data for CMTV is being compiled.
Source: institutional data
Price Targets
3-5 year target range
$28
Current price
Target midpoint · from current
Want the deeper analysis?
The full deep dive: DCF model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.
See plans from $5/moThe Deep Dive