Community Bancorp

CMTV on Nasdaq. National commercial banks. Market value $242m.

Watch this stockFree. We tell you when something changes.

Price checks use the past 12 months to June 2026. Some use the latest annual report instead, as marked. Quality checks use five annual reports, the latest for the year to December 2025.

We can't read total debt from the filing, so debt is left out.

Should I look at this?

Worth a closer look

Why it could be worth it

Ranked 453 of 743 on tonight’s list, and on it since 23 September 2026.
Scores 100 of 100 on quality, a sign of a strong business.
Pays a 1.6% dividend, every year for at least 5 years.

What to watch out for

Nothing big in our quick check. See what could go wrong below.

Read what could go wrong

This is not advice. Check the numbers below.

Compare with another stock

Return on equity

five annual reports to December 2025

16.2%five-year median

Yearly profit per dollar of owners' money: 16 cents. Above 10 is good.

Price to book

quarterly report to June 2026

2.0×

What you pay for each dollar of net assets: $2.00.

Earnings yield

past 12 months to June 2026

7.6%

Profit per $100 you pay: $7.62.

Quality score: 100 of 100. Price score: 72 of 100. Our list needs 70 on quality and 60 on price.

$43.20 a share, 93% above its 1-year low

Dividend: 1.6% a year

Paid every year for at least 5 years

Prices from Friday’s close (9 October).

Five years of cash, in billions

n/a

20212022202320242025

Revenue
Revenue	n/a	n/a	n/a	n/a	n/a
Operating margin
Operating margin	n/a	n/a	n/a	n/a	n/a
Debt to equity
Debt to equity	n/a	n/a	n/a	n/a	n/a
Shares outstanding
Shares outstanding	0.01bn	0.01bn	0.01bn	0.01bn	0.01bn

Health checks

Free cash flow positiveDoesn't apply to banks and insurers
Accounting checksDoesn't apply to banks and insurers
DebtDoesn't apply to banks and insurers
Revenue growth, five yearsUnknown
Buying back its own sharesRoughly flat

The quarter to June 2026

How the business did, compared with the same quarter a year earlier.

Profit: $5 million, up 15% on a year ago.
Spare cash over the past 12 months: $20 million, up from $14 million.
About the same number of shares as a year ago.

Profit by quarter

$4m

$5m

Profit by quarter
Quarter to	Amount
September 2024	$3m
December 2024	$4m
March 2025	$4m
June 2025	$4m
September 2025	$5m
December 2025	$5m
March 2026	$4m
June 2026	$5m

From the company's quarterly reports to the SEC.

Dates

Next results (estimated): n/a
Last annual report (10-K): 27 March 2026
Next quarterly (estimated, 10-Q): 13 November 2026

Who owns it

None of the long-term investors we follow own it. 48 funds in all.

Jun '26

Largest holders overall

Community Financial Services Group
$27m
New
BlackRock
$13m
Added
Vanguard Capital Management
$9m
Cut
Geode Capital Management
$5m
Added
Manufacturers Life Insurance Company, the
$2m
Added
Silverlake Wealth Management
$2m
State Street
$2m
Added
Alliancebernstein L.P.
$2m
Cut
Northern Trust
$2m
Added
Vanguard Portfolio Management
$1m
New

From 13F filings for the quarter ended 30 June 2026.

Big holders and activists

1 investor owns more than 5%.

BlackRock, Inc.
Passive investor
5.9%
Since 30 June 2026
Zucker Anita G
Passive investor
Sold down below 5%
Since 12 March 2026

Holder	Stake	Since
BlackRock, Inc. Passive investor	5.9%	30 June 2026
Zucker Anita G Passive investor	Sold down below 5%	12 March 2026

From Schedule 13D and 13G filings: anyone owning more than 5% must file one.

What insiders did

In the last 12 months, 11 insiders bought $516,414 of shares on the open market. 1 sold $45.

Martin Carol
Director
Bought
Date
3 June 2026
Shares
72
Price
$36.00
Value
$2,592
Caldwell Christopher L.
Pres/CEO/Dir of Company & Bank, Director
Bought
Date
6 April 2026
Shares
1,000
Price
$35.30
Value
$35,300
Lamberton Wayne
Director
Bought
Date
6 April 2026
Shares
1,350
Price
$34.32
Value
$46,332
BONVECHIO LOUISE M
Executive VP & CFO
Bought
Date
12 March 2026
Shares
763
Price
$32.75
Value
$24,988
BONVECHIO LOUISE M
Executive VP & CFO
Bought
Date
12 March 2026
Shares
763
Price
$32.75
Value
$24,988
Lamberton Wayne
Director
Bought
Date
10 March 2026
Shares
130
Price
$30.50
Value
$3,965
Moore Jeffrey Lee
Director
Bought
Date
4 March 2026
Shares
100
Price
$30.45
Value
$3,045
Laforce David
Director
Bought
Date
3 March 2026
Shares
895
Price
$30.00
Value
$26,850
Laforce David
Director
Bought
Date
20 February 2026
Shares
140
Price
$31.38
Value
$4,393
Marvin Emma
Director
Bought
Date
13 February 2026
Shares
3,100
Price
$32.50
Value
$100,750

Date	Who	Did	Shares	Price	Value
3 June 2026	Martin Carol Director	Bought	72	$36.00	$2,592
6 April 2026	Caldwell Christopher L. Pres/CEO/Dir of Company & Bank, Director	Bought	1,000	$35.30	$35,300
6 April 2026	Lamberton Wayne Director	Bought	1,350	$34.32	$46,332
12 March 2026	BONVECHIO LOUISE M Executive VP & CFO	Bought	763	$32.75	$24,988
12 March 2026	BONVECHIO LOUISE M Executive VP & CFO	Bought	763	$32.75	$24,988
10 March 2026	Lamberton Wayne Director	Bought	130	$30.50	$3,965
4 March 2026	Moore Jeffrey Lee Director	Bought	100	$30.45	$3,045
3 March 2026	Laforce David Director	Bought	895	$30.00	$26,850
20 February 2026	Laforce David Director	Bought	140	$31.38	$4,393
13 February 2026	Marvin Emma Director	Bought	3,100	$32.50	$100,750

From Form 4 filings: insiders must report trades in their own company's shares within two days.

How the boss is paid

Christopher L Caldwell was paid $641,473 in 2025.

The yearly bonus pays for per-share results:
We couldn’t tell from the filing.
The long-term stock award pays for per-share results:
We couldn’t tell from the filing.

Why it matters: new shares can grow total profit while each share earns less. Per-share goals pay the boss only when your slice grows.

From the proxy statement (the company’s yearly voting pack) filed 9 April 2026. Picked out automatically from the company’s own filing. Evidence, not our verdict.

Warning signs in its filings

Problems the company itself reported to the SEC, in its own words.

We couldn’t fully check Community Bancorp’s latest annual report.

We look for five warning signs: doubt it can keep going, weak checks on its own accounts, a notice that its past accounts can't be relied on, a change of auditor, and one customer bringing in a big share of sales. We don't check lawsuits, investigations or debt yet.

We couldn't fully read the 10-K filed 27 Mar 2026, so we can't say there are no warning signs.

Changed auditor
Worth knowing
The company changed its auditor (the firm that checks its books) in the last two years.
“On November 3, 2025, the Audit Committee of the Board of Directors of Community Bancorp. (the “Company”) approved the dismissal of Berry, Dunn, McNeil & Parker, LLC, the Company’s independent registered public accounting firm, effective as of November 3, 2025.”
From an 8-K filed 6 November 2025: Change of auditor. Read it in the filing

A 10-K is the yearly report every US company files with the SEC. An 8-K is a short notice of a big event.

What could go wrong

Cheap for a reason is the question the numbers cannot answer.

Whether the price already reflects the risks is what the deep dive is for.

What changed in the risks this year

Companies must list what could hurt them each year. These are the parts that changed since last year’s report.

Effective with the opening of trading on February 2, 2026, our common stock is listed for trading on the Capital Market tier of The Nasdaq…
Could happen
Effective with the opening of trading on February 2, 2026, our common stock is listed for trading on the Capital Market tier of The Nasdaq Stock Market LLC (“Nasdaq”) under the trading symbol “CMTV.” Previous to the Nasdaq listing, our stock was traded under the same symbol on the OTC QX platform maintained by the OTC Markets Group, Inc. Historically, trading in our common stock on the OTC QX platform was characterized by relatively low trading volume. The lack of an active public market in a stock means that the stock may be subject to sudden and exaggerated price fluctuations, as individual trades have a greater effect on the trading price than would be the case in a broad public market with significant daily trading volume. Although the listing of our common stock on Nasdaq may increase our trading volume somewhat compared to trading on the OTC QX platform, there can be no assurance that that a public trading market in our stock having the desired characteristics of depth, liquidity and orderliness will develop or be sustained over time, as such a trading market depends on the presence in the marketplace of numerous buyers and sellers of the stock at any given time, which in turn depends on the individual decisions of investors and general economic and market conditions over which we have no control. Therefore, a shareholder may be unable to sell our common stock at or above the price at which it was purchased, or at or above the current market price or at the time of his or her choosing, and it may be difficult for a shareholder to dispose of a large number of shares of our stock at desired pricing or on a desired timetable.
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Read it in the annual report

The deep dive

Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.

What the business is worth, as a range, and the margin of safety at today’s price
Prices to start buying, buy, and buy hard
The three things that would make this a mistake
Every number footnoted to the filing it came from

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What a finished deep dive looks like

Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.