Community Bancorp (CMTV)


Market Price (11/6/2026): $46.5 | Market Cap: $260.9 MilSector: Financials | Industry: Regional Banks

Community Bancorp (CMTV)


Market Price (11/6/2026): $46.5
Market Cap: $260.9 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.6%, FCF Yield is 7.4%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -25%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38%

Low stock price volatility
Vol 12M is 45%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, Online Banking & Lending, Show more.

Trading close to highs
Dist 52W High is 0.0%, Dist 3Y High is 0.0%

Stock price has recently run up significantly
12M Rtn12 month market price return is 106%

Key risks
CMTV key risks include [1] credit losses, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.6%, FCF Yield is 7.4%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -25%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38%
3 Low stock price volatility
Vol 12M is 45%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, Online Banking & Lending, Show more.
5 Trading close to highs
Dist 52W High is 0.0%, Dist 3Y High is 0.0%
6 Stock price has recently run up significantly
12M Rtn12 month market price return is 106%
7 Key risks
CMTV key risks include [1] credit losses, Show more.

CMTV in ETFs

Weight = CMTV's share of each fund

VTI0.00%
IWM0.01%
IWN0.01%
AVUV0.01%
VTWO0.01%
IWO0.00%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 11/4/2026

Community Bancorp (CMTV) stock has gained about 15% since 7/31/2026 because of the following key factors:

1. Strong Earnings Growth in Fiscal Q3 2026. Community Bancorp reported robust consolidated earnings for fiscal Q3 2026 (ended September 30, 2026), with earnings per share (EPS) increasing by 7.24% to $0.91 compared to $0.84 in fiscal Q3 2025. For the nine months ending September 30, 2026, EPS saw a significant increase of 14.72% to $2.53 from $2.18 in the same prior-year period, indicating sustained financial improvement.

2. Expansion in Net Interest Income and Margin. The company experienced a notable increase in net interest income, which grew by $1.1 million, or 10.89%, to $11.7 million in fiscal Q3 2026 compared to fiscal Q3 2025. This was driven by strong loan growth and higher yields, resulting in an improved net interest margin of 4.11% for the quarter, up from 3.79% a year prior.

Show more
Updated on 11/4/2026

Community Bancorp (CMTV) stock has gained about 15% since 7/31/2026 because of the following key factors:

1. Strong Earnings Growth in Fiscal Q3 2026. Community Bancorp reported robust consolidated earnings for fiscal Q3 2026 (ended September 30, 2026), with earnings per share (EPS) increasing by 7.24% to $0.91 compared to $0.84 in fiscal Q3 2025. For the nine months ending September 30, 2026, EPS saw a significant increase of 14.72% to $2.53 from $2.18 in the same prior-year period, indicating sustained financial improvement.

2. Expansion in Net Interest Income and Margin. The company experienced a notable increase in net interest income, which grew by $1.1 million, or 10.89%, to $11.7 million in fiscal Q3 2026 compared to fiscal Q3 2025. This was driven by strong loan growth and higher yields, resulting in an improved net interest margin of 4.11% for the quarter, up from 3.79% a year prior.

3. Increased Quarterly Cash Dividend. On September 18, 2026, Community Bancorp declared an increased quarterly cash dividend of $0.26 per share, a rise from the previous $0.25 per share. This increase in shareholder payout reflects management's confidence in the company's financial stability and future earnings prospects.

4. Robust Loan Portfolio Expansion. Contributing to the rise in net interest income and overall financial performance was a 6.26% year-over-year growth in Community Bancorp's gross loan portfolio. This expansion suggests healthy demand for loans and effective deployment of capital by the bank.

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Stock Movement Drivers

Fundamental Drivers

The 16.3% change in CMTV stock from 7/31/2026 to 11/5/2026 was primarily driven by a 12.5% change in the company's P/E Multiple.
(LTM values as of)731202611052026Change
Stock Price ($)40.2046.7616.3%
Change Contribution By: 
Total Revenues ($ Mil)50513.2%
Net Income Margin (%)35.9%36.0%0.3%
P/E Multiple12.614.212.5%
Shares Outstanding (Mil)66-0.2%
Cumulative Contribution16.3%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/5/2026
ReturnCorrelation
CMTV16.3% 
Market (SPY)-1.9%-4.2%
Sector (XLF)1.0%37.0%

Fundamental Drivers

The 18.5% change in CMTV stock from 4/30/2026 to 11/5/2026 was primarily driven by a 9.2% change in the company's P/E Multiple.
(LTM values as of)430202611052026Change
Stock Price ($)39.4546.7618.5%
Change Contribution By: 
Total Revenues ($ Mil)48516.8%
Net Income Margin (%)35.4%36.0%1.8%
P/E Multiple13.014.29.2%
Shares Outstanding (Mil)66-0.1%
Cumulative Contribution18.5%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/5/2026
ReturnCorrelation
CMTV18.5% 
Market (SPY)2.3%-19.8%
Sector (XLF)10.7%23.5%

Fundamental Drivers

The 106.6% change in CMTV stock from 10/31/2025 to 11/5/2026 was primarily driven by a 65.2% change in the company's P/E Multiple.
(LTM values as of)1031202511052026Change
Stock Price ($)22.6446.76106.6%
Change Contribution By: 
Total Revenues ($ Mil)445116.5%
Net Income Margin (%)33.6%36.0%7.0%
P/E Multiple8.614.265.2%
Shares Outstanding (Mil)660.3%
Cumulative Contribution106.6%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/5/2026
ReturnCorrelation
CMTV106.6% 
Market (SPY)8.4%-10.6%
Sector (XLF)11.1%8.4%

Fundamental Drivers

The 208.3% change in CMTV stock from 10/31/2023 to 11/5/2026 was primarily driven by a 154.3% change in the company's P/E Multiple.
(LTM values as of)1031202311052026Change
Stock Price ($)15.1646.76208.3%
Change Contribution By: 
Total Revenues ($ Mil)415124.3%
Net Income Margin (%)36.0%36.0%-0.1%
P/E Multiple5.614.2154.3%
Shares Outstanding (Mil)56-2.4%
Cumulative Contribution208.3%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2023 to 11/5/2026
ReturnCorrelation
CMTV208.3% 
Market (SPY)81.3%-3.8%
Sector (XLF)85.5%4.1%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
CMTV Return45%-4%-8%-3%55%95%274%
Peers Return29%2%-7%16%5%31%95%
S&P 500 Return27%-19%24%23%16%12%105%

Monthly Win Rates [3]
CMTV Win Rate75%42%50%50%67%82% 
Peers Win Rate67%43%42%55%53%69% 
S&P 500 Win Rate75%42%67%75%67%45% 

Max Drawdowns [4]
CMTV Max Drawdown-17%-30%-30%-19%-7%-27% 
Peers Max Drawdown-17%-19%-38%-21%-20%-13% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: NBTB, CAC, AROW, BHB, EBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)

How Low Can It Go

EventCMTVS&P 500
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-14.3%-9.5%
  % Gain to Breakeven16.7%10.5%
  Time to Breakeven19 days24 days
2023 SVB Regional Banking Crisis
  % Loss-12.1%-6.7%
  % Gain to Breakeven13.8%7.1%
  Time to Breakeven735 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-18.2%-24.5%
  % Gain to Breakeven22.3%32.4%
  Time to Breakeven84 days427 days
2020 COVID-19 Crash
  % Loss-40.7%-33.7%
  % Gain to Breakeven68.7%50.9%
  Time to Breakeven248 days140 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-14.6%-15.4%
  % Gain to Breakeven17.1%18.2%
  Time to Breakeven203 days125 days
2008-2009 Global Financial Crisis
  % Loss-43.0%-53.4%
  % Gain to Breakeven75.4%114.4%
  Time to Breakeven1533 days1085 days

Compare to NBTB, CAC, AROW, BHB, EBC

In The Past

Community Bancorp's stock fell -5.0% during the 2025 US Tariff Shock. Such a loss loss requires a 5.3% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventCMTVS&P 500
2020 COVID-19 Crash
  % Loss-40.7%-33.7%
  % Gain to Breakeven68.7%50.9%
  Time to Breakeven248 days140 days
2008-2009 Global Financial Crisis
  % Loss-43.0%-53.4%
  % Gain to Breakeven75.4%114.4%
  Time to Breakeven1533 days1085 days

Compare to NBTB, CAC, AROW, BHB, EBC

In The Past

Community Bancorp's stock fell -5.0% during the 2025 US Tariff Shock. Such a loss loss requires a 5.3% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Community Bancorp (CMTV)

Community Bancorp (CMTV) operates as the bank holding company for Community National Bank, providing a comprehensive range of retail banking services. Based in Derby, Vermont, with eleven additional branch offices, the company primarily serves residents, businesses, nonprofit organizations, and municipalities across northeastern and central Vermont. Its core business revolves around traditional banking activities tailored to the local community.

The company offers a diverse portfolio of financial products and services. For individual consumers, these include checking and savings accounts, debit/credit cards, ATMs, and modern online, mobile, and telephone banking options. Business clients benefit from various credit products for commercial properties, equipment, inventory, and accounts receivable, alongside specialized business checking, cash management, and payment processing services. CMTV also provides extensive lending solutions, encompassing fixed and adjustable-rate residential mortgages, home equity loans, personal, auto, and boat/RV loans.

Beyond general consumer and business banking, Community Bancorp is a key lender for commercial real estate developers, investors, and residential builders, financing land purchases, construction, and existing business real estate. Furthermore, it offers specialized municipal and institutional banking services, providing deposit accounts, tax-exempt loans, and credit lines to state and local governments, schools, charities, and other non-profit associations. This broad offering ensures the bank meets the varied financial needs of its diverse customer base within its local market.

AI Analysis | Feedback

  • Think of CMTV as the Bank of America or Chase, scaled down and exclusively serving northeastern and central Vermont, providing a full range of retail, business, and real estate banking services.
  • CMTV is like a community-focused regional bank, similar to a smaller KeyBank or M&T Bank, dedicated to meeting the financial needs of residents and businesses within its specific Vermont communities.

AI Analysis | Feedback

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  • Deposit & Payment Services: Provides checking accounts, savings programs, debit/credit cards, and online/mobile banking facilities for individual consumers.
  • Residential Real Estate Lending: Offers fixed-rate and adjustable-rate residential mortgage loans and home equity loans to individuals.
  • Retail Lending: Supplies personal, automobile, and boat/recreational vehicle loans for consumer financing needs.
  • Business Deposit & Cash Management Services: Delivers business checking and deposit accounts, cash management, ACH, wire transfers, and remote deposit capture services for businesses.
  • Business Lending: Extends credit products such as financing for commercial business properties, equipment, inventory, accounts receivable, and letters of credit to businesses.
  • Commercial Real Estate Lending: Funds commercial property development, investment, construction, and provides real estate-secured financing for existing businesses.
  • Municipal & Institutional Banking: Offers deposit accounts, tax-exempt loans, lines of credit, and term loans tailored for state/local governments, schools, charities, and non-profit associations.
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AI Analysis | Feedback

Community Bancorp (CMTV) primarily serves a diverse range of customers rather than selling to a few specific other companies. Based on the company description, its major customer categories include:

  1. Individuals and Residents: This category encompasses consumers seeking a variety of personal banking services such as checking accounts, savings programs, debit/credit cards, online/mobile banking, residential mortgage loans (fixed-rate and adjustable), home equity loans, and retail credit products like personal, automobile, and boat/recreational vehicle loans.
  2. Businesses: This category includes various types of commercial entities, ranging from startups and small businesses to commercial developers, investors, and residential builders. The company provides business checking and deposit accounts, cash management, credit products for commercial properties, equipment, inventory, accounts receivable financing, and letters of credit.
  3. Nonprofit Organizations and Municipalities: Community Bancorp also offers specialized banking products and services for state and local governments, schools, charities, membership associations, and other not-for-profit organizations. These services include deposit accounts, tax-exempt loans, lines of credit, term loans, and collateralized secured deposit products.

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Christopher Caldwell, President and Chief Executive Officer

Christopher Caldwell brings over 30 years of experience in the banking and business consulting industries. He possesses extensive knowledge of commercial lending, bank and branch network operations, customer service delivery, and strategic planning, growth, and development for businesses. Caldwell is a graduate of the Stonier Graduate School of Banking and holds an MBA from Anderson University, a B.S. in History from Manchester College, and an M.A. in History from Ohio University.

Louise Bonvechio, Corporate Secretary and Treasurer, Community Bancorp. and Executive Vice President, Chief Financial Officer, Cashier and Corporate Secretary, Community National Bank

Louise Bonvechio has worked for Community National Bank for over 30 years. She is a graduate of the New England School of Banking at Babson and the Stonier Graduate School of Banking, where she earned a Leadership Certificate from the Wharton School at the University of Pennsylvania. Bonvechio currently serves as Trustee and Board Chair of North Country Hospital, is a member of the Financial Managers Society Advisory Council, and a member of the Finance Committee for Gilman Housing Trust. She also serves as the Vermont national delegate on the Federal Delegate Board of the Independent Community Bankers of America and is a member of the Member Advisory Panel of the Federal Home Loan Bank of Boston.

Nikole Brainard, Vice President, Controller, Principal Accounting Officer

Jennifer Desroches, Assistant Corporate Secretary

AI Analysis | Feedback

The key risks to Community Bancorp's business include:

  1. Credit Risk and Asset Quality: As a bank heavily involved in various forms of lending, including commercial, residential, and municipal real estate, Community Bancorp is exposed to the risk of loan defaults. An economic downturn, particularly within its concentrated operating region of northeastern and central Vermont, could negatively impact borrowers' ability to repay loans, leading to increased loan losses, higher provisions for credit losses, and a deterioration of its overall asset quality.

  2. Interest Rate Risk: Community Bancorp's profitability is significantly influenced by interest rate fluctuations. Changes in market interest rates can affect the interest earned on its loan portfolio and investments, as well as the interest paid on its deposits. Unfavorable movements in interest rates, such as a rapid increase in funding costs without a corresponding rise in lending rates, or a sustained period of low rates compressing lending margins, could adversely impact its net interest income and overall financial performance.

  3. Geographic Concentration and Regional Economic Sensitivity: With its operations confined to a specific geographic area (northeastern and central Vermont), Community Bancorp is highly susceptible to the economic conditions of that region. A localized economic slowdown, decline in population, or adverse industry-specific events within its service area could lead to reduced loan demand, decreased deposit levels, increased credit defaults across its loan portfolio, and diminished opportunities for growth, disproportionately impacting its financial results compared to a more geographically diversified institution.

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The clear emerging threats to Community Bancorp (CMTV) stem from the rise of digital-first financial service providers. These include:

  • **Neobanks and Digital-Only Banks:** These institutions operate without physical branches, leveraging technology to offer checking accounts, savings programs, and other retail banking services with potentially lower fees, higher interest rates, and superior digital user experiences. This directly threatens CMTV's traditional deposit base and retail banking services by attracting customers who prioritize convenience and digital access over a physical branch presence.
  • **Fintech Lenders:** Specialized online lenders and platforms offering personal, small business, and mortgage loans, often with streamlined, faster application and approval processes. These companies directly compete with CMTV's various lending products (commercial real estate, residential real estate, retail credit, business credit) by providing alternative, technology-driven financing solutions that bypass traditional banking channels.

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Community Bancorp (CMTV) operates primarily in Vermont, focusing its banking services on residents, businesses, nonprofit organizations, and municipalities in the northeastern and central regions of the state. While precise market sizes specifically for "northeastern and central Vermont" are not readily available, addressable market sizes for its main products and services can be estimated at the state level for Vermont.

Commercial Banking and Commercial Real Estate Lending:

  • The overall commercial banking industry in Vermont is projected to have a market size of approximately $1.3 billion in 2026.
  • In 2022, reporting banks in Vermont issued $441.8 million in loans to businesses with revenues of $1 million or less.
  • The U.S. Small Business Administration (SBA) approved 174 loans totaling $48.2 million for Vermont small businesses in fiscal year 2024.
  • Vermont's commercial lending market is characterized as small, conservative, and relationship-driven, with capital primarily provided by community and regional banks.

Residential Real Estate Lending:

  • The median home sale price in Vermont was approximately $434,200 as of October 2025. Other reports indicate a median sale price of $481,700 as of January 2026 and approximately $388,000 as of 2025, showing a 7.2% year-over-year increase.
  • In 2023, new home loans booked in Vermont amounted to $1.1 billion, representing 3,476 loans with a median size of $295,000.
  • As of May 2022, the housing inventory in Vermont stood at 867 homes, translating to roughly 2.25 months of supply, suggesting a competitive market with lower supply.

Retail Banking Services and Retail Credit Products:

  • Deposits across all banks in Vermont totaled $18.1 billion in 2023. This figure encompasses various deposit accounts for both retail and business customers.
  • For context on the scale of financial institutions in the state, Vermont Federal Credit Union, a full-service institution, surpassed $1 billion in assets as of April 2025, serving over 55,000 individuals throughout Vermont.

Municipal and Institutional Banking:

  • The Vermont Municipal Bond Bank has provided over $2.5 billion in loans for local infrastructure throughout Vermont since its inception, with approximately $606 million in outstanding loans.
  • In March 2026, the Vermont Bond Bank was scheduled to price new community revenue bonds, including $38.5 million in one series and $18 million in another, for various municipal projects.

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Community Bancorp (CMTV) is expected to drive future revenue growth over the next 2-3 years through several key strategies centered on its core banking operations.

One primary driver of revenue growth is the continued expansion of its loan portfolio. The company has demonstrated consistent year-over-year growth in its gross loan portfolio, which increased by 4.02% or $37 million by December 31, 2025, contributing significantly to increased interest and fees on loans. This reflects a strategic focus on organic loan growth across its diverse offerings, including consumer, business, commercial real estate, residential real estate, and municipal lending products.

Another crucial driver is the growth in its deposit base. An increase in deposit balances, which grew by $69 million or 6.89% year-over-year by December 31, 2025, provides a stable and cost-effective funding source for loan expansion. This growth in core and brokered deposits is essential for supporting the overall asset growth of the company.

Optimization of its Net Interest Margin (NIM) is also expected to contribute to revenue growth. Community Bancorp has shown improvement in its net interest income, with a 15.98% increase in the fourth quarter of 2025 and an 18% rise for the full year 2025. This improvement is attributed to higher interest and fee income on loans, alongside a slower pace of increase in interest expenses on deposits, resulting in a net interest margin of 3.68% for the full year.

Finally, the enhancement of non-interest income is anticipated to be a driver. The company reported a substantial 23.04% increase in non-interest income for the fourth quarter of 2025 and a 10.12% increase for the full year. While specific detailed breakdowns were not provided, this category typically includes various fee-based services such as checking account fees, debit/credit card income, and cash management services, which are integral to Community Bancorp's retail and business banking operations.

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Share Repurchases

  • Community Bancorp's Board of Directors approved a stock repurchase program on July 23, 2024, authorizing the company to purchase up to 5% of its outstanding common stock, or up to 275,000 shares. This authorization is valid for five years unless terminated or renewed earlier.
  • As of March 12, 2026, company insiders have purchased a net of $141,873.00 in company stock over the preceding three months.
  • Specific insider purchases include CEO Christopher L. Caldwell buying 1,000 shares for $31,770 and a director buying 2,000 shares for $62,380 in February 2026.

Share Issuance

  • Community Bancorp's shares outstanding have remained relatively stable over the last 3-5 years, generally fluctuating between 5 million and 6 million shares. There was a slight increase to 6 million shares in late 2023/early 2024, which continued through September 2025.

Peer Outperformance in Regional Banks

CMTV has outperformed 97% of its 262 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that CMTV has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
99%
of 281 industry peers · 106.1% return
3Y
99%
of 273 industry peers · 186.6% return
5Y
97%
of 262 industry peers · 176.1% return
No Regional Banks peer with a comparable growth profile has beaten CMTV by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is CMTV's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

CMTVNBTBCACAROWBHBEBCMedian
NameCommunit.NBT Banc.Camden N.Arrow Fi.Bar Harb.Eastern . 
Mkt Price46.5052.9557.9638.5941.2122.7343.86
Mkt Cap0.32.81.00.60.75.00.8
Rev LTM517402621751931,115228
Op Inc LTM-------
FCF LTM19246100455738579
FCF 3Y Avg1619661284830154
CFO LTM21262106526440685
CFO 3Y Avg1721066345531761

Growth & Margins

CMTVNBTBCACAROWBHBEBCMedian
NameCommunit.NBT Banc.Camden N.Arrow Fi.Bar Harb.Eastern . 
Rev Chg LTM16.5%19.4%14.7%16.9%30.9%84.4%18.2%
Rev Chg 3Y Avg7.9%13.3%17.8%7.2%8.3%54.6%10.8%
Rev Chg Q13.5%9.1%6.2%10.1%43.7%26.8%11.8%
QoQ Delta Rev Chg LTM3.2%2.1%1.5%2.4%8.5%6.2%2.8%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM40.6%35.4%40.7%29.7%33.1%36.5%35.9%
CFO/Rev 3Y Avg37.2%32.7%27.5%21.3%34.0%41.8%33.4%
FCF/Rev LTM37.8%33.2%38.4%25.5%29.6%34.6%33.9%
FCF/Rev 3Y Avg34.9%30.6%24.9%17.3%29.3%39.7%30.0%

Valuation

CMTVNBTBCACAROWBHBEBCMedian
NameCommunit.NBT Banc.Camden N.Arrow Fi.Bar Harb.Eastern . 
Mkt Cap0.32.81.00.60.75.00.8
P/S5.13.73.73.63.64.53.7
P/Op Inc-------
P/EBIT-------
P/E14.112.910.812.414.013.213.0
P/CFO12.510.59.212.210.812.211.5
Total Yield8.6%10.6%12.1%11.2%10.3%9.9%10.4%
Dividend Yield1.6%2.8%2.9%3.1%3.2%2.4%2.9%
FCF Yield 3Y Avg11.8%9.0%7.8%5.2%9.1%8.1%8.6%
D/E0.10.10.10.50.40.10.1
Net D/E-0.2-0.1-1.0-0.6-0.4-0.0-0.3

Returns

CMTVNBTBCACAROWBHBEBCMedian
NameCommunit.NBT Banc.Camden N.Arrow Fi.Bar Harb.Eastern . 
1M Rtn9.5%4.5%2.9%3.7%5.7%7.2%5.1%
3M Rtn16.9%0.9%-0.5%-2.7%3.4%-0.6%0.2%
6M Rtn16.6%19.4%21.1%5.8%20.2%15.5%18.0%
12M Rtn105.0%31.2%52.8%28.8%41.9%35.7%38.8%
3Y Rtn185.0%62.5%101.1%82.6%82.3%118.5%91.9%
1M Excs Rtn12.4%7.0%5.8%6.9%8.6%10.4%7.8%
3M Excs Rtn18.3%2.2%1.9%-0.4%5.5%1.1%2.1%
6M Excs Rtn11.8%14.6%16.3%1.0%15.4%10.7%13.2%
12M Excs Rtn91.5%20.9%43.1%18.6%32.7%24.4%28.6%
3Y Excs Rtn123.8%-8.8%41.3%20.5%2.6%42.5%30.9%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single Segment4640393937
Total4640393937


Price Behavior

Price Behavior
Market Price$46.76 
Market Cap ($ Bil)0.3 
First Trading Date07/23/2012 
Distance from 52W High0.0% 
   50 Days200 Days
DMA Price$41.53$37.75
DMA Trendupup
Distance from DMA12.6%23.9%
 3M1YR
Volatility33.6%45.0%
Downside Capture-61.78-73.08
Upside Capture27.4521.61
Correlation (S&P 500)0.5%-8.5%
CMTV Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta-0.46-0.31-0.27-0.73-0.41-0.08
Up Beta-3.76-2.300.00-0.29-0.66-0.04
Down Beta-0.65-0.18-0.34-0.750.300.24
Up Capture-1%9%-18%-52%-8%-0%
Bmk +ve Days12182862130427
Stock +ve Days8202964116299
Down Capture-36%-27%-54%-139%-208%-222%
Bmk -ve Days10253664121325
Stock -ve Days1423356194230

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CMTV
CMTV99.7%48.3%1.80-
Sector ETF (XLF)11.1%15.2%0.478.2%
Equity (SPY)9.5%13.6%0.41-10.9%
Gold (GLD)3.6%28.7%0.11-13.7%
Commodities (DBC)37.7%21.2%1.40-5.7%
Real Estate (VNQ)12.0%14.2%0.5513.9%
Bitcoin (BTCUSD)-20.8%43.3%-0.42-8.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CMTV
CMTV21.6%42.6%0.89-
Sector ETF (XLF)9.1%18.4%0.366.9%
Equity (SPY)11.3%17.3%0.483.3%
Gold (GLD)17.5%19.1%0.74-5.4%
Commodities (DBC)8.0%19.6%0.291.0%
Real Estate (VNQ)1.2%18.9%-0.058.9%
Bitcoin (BTCUSD)5.9%51.5%0.29-0.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CMTV
CMTV16.4%43.3%0.83-
Sector ETF (XLF)13.3%22.1%0.5412.8%
Equity (SPY)14.9%18.0%0.7013.6%
Gold (GLD)12.0%16.5%0.590.3%
Commodities (DBC)7.6%18.1%0.337.7%
Real Estate (VNQ)5.7%20.7%0.2314.6%
Bitcoin (BTCUSD)61.3%66.2%1.010.8%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity0.2 Mil
Short Interest: % Change Since 9302026-0.9%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest9.8 days
Basic Shares Quantity5.6 Mil
Short % of Basic Shares4.4%

Earnings Returns History

Updated 11/5/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/27/2026-1.0%3.0% 
7/21/2026-0.7%2.2%2.0%
4/21/20260.8%6.1%5.4%
1/27/20260.0%12.7%10.7%
10/21/20250.9%4.7%4.7%
7/22/20251.2%1.3%8.4%
4/22/20250.0%1.8%5.9%
1/22/20250.6%0.9%3.6%
...
SUMMARY STATS   
# Positive192217
# Negative526
Median Positive0.4%1.9%3.6%
Median Negative-0.8%-3.1%-5.1%
Max Positive5.4%12.7%11.8%
Max Negative-1.9%-3.4%-8.6%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/27/2026-1.0%3.0% 
7/21/2026-0.7%2.2%2.0%
4/21/20260.8%6.1%5.4%
1/27/20260.0%12.7%10.7%
10/21/20250.9%4.7%4.7%
7/22/20251.2%1.3%8.4%
4/22/20250.0%1.8%5.9%
1/22/20250.6%0.9%3.6%
10/17/2024-1.9%0.1%-2.8%
7/23/20240.0%0.7%2.9%
4/22/20245.4%0.7%0.1%
1/23/20242.9%4.0%-4.6%
10/23/20230.4%2.0%11.8%
7/24/20230.0%2.7%-6.7%
4/21/20234.0%3.9%-4.0%
1/23/20234.7%10.0%2.4%
10/20/20220.0%0.0%1.2%
7/22/20220.0%-2.7%1.8%
4/26/20221.3%1.3%-8.6%
1/25/20220.0%1.2%2.1%
10/14/2021-0.8%1.3%1.2%
7/26/20210.0%5.4%4.3%
4/21/2021-0.3%-3.4%-5.7%
1/25/20210.0%1.4%11.8%
SUMMARY STATS   
# Positive192217
# Negative526
Median Positive0.4%1.9%3.6%
Median Negative-0.8%-3.1%-5.1%
Max Positive5.4%12.7%11.8%
Max Negative-1.9%-3.4%-8.6%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/14/202610-Q
03/31/202605/15/202610-Q
12/31/202503/27/202610-K
09/30/202511/14/202510-Q
06/30/202508/14/202510-Q
03/31/202505/15/202510-Q
12/31/202403/28/202510-K
09/30/202411/14/202410-Q
06/30/202408/14/202410-Q
03/31/202405/15/202410-Q
12/31/202303/29/202410-K
09/30/202311/13/202310-Q
06/30/202308/11/202310-Q
03/31/202305/12/202310-Q
12/31/202203/27/202310-K
09/30/202211/14/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/14/202610-Q
03/31/202605/15/202610-Q
12/31/202503/27/202610-K
09/30/202511/14/202510-Q
06/30/202508/14/202510-Q
03/31/202505/15/202510-Q
12/31/202403/28/202510-K
09/30/202411/14/202410-Q
06/30/202408/14/202410-Q
03/31/202405/15/202410-Q
12/31/202303/29/202410-K
09/30/202311/13/202310-Q
06/30/202308/11/202310-Q
03/31/202305/12/202310-Q
12/31/202203/27/202310-K
09/30/202211/14/202210-Q
06/30/202208/12/202210-Q
03/31/202205/13/202210-Q
12/31/202103/24/202210-K
09/30/202111/15/202110-Q
06/30/202108/16/202110-Q
03/31/202105/14/202110-Q
12/31/202003/26/202110-K
09/30/202011/09/202010-Q
06/30/202008/10/202010-Q
03/31/202005/11/202010-Q
12/31/201903/16/202010-K
09/30/201911/07/201910-Q

Insider Activity

Updated 11/3/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Caldwell, Christopher LPres/CEO/Dir of Company & BankDirectBuy1103202642.9850021,492537,300Form
2Martin, Carol DirectBuy605202636.00722,592377,702Form
3Caldwell, Christopher LPres/CEO/Dir of Company & BankDirectBuy406202635.301,00035,299423,588Form
4Lamberton, Wayne DirectBuy406202634.321,35046,332344,744Form
5Laforce, David DirectBuy317202630.0089526,850295,770Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Caldwell, Christopher LPres/CEO/Dir of Company & BankDirectBuy1103202642.9850021,492537,300Form
2Martin, Carol DirectBuy605202636.00722,592377,702Form
3Caldwell, Christopher LPres/CEO/Dir of Company & BankDirectBuy406202635.301,00035,299423,588Form
4Lamberton, Wayne DirectBuy406202634.321,35046,332344,744Form
5Laforce, David DirectBuy317202630.0089526,850295,770Form
6Laforce, David DirectBuy317202631.381404,393281,290Form
7Bonvechio, Louise MExecutive VP & CFODirectBuy312202632.7576324,988393,305Form
8Bonvechio, Louise MExecutive VP & CFODirectBuy312202632.7576324,988393,305Form
9Lamberton, Wayne DirectBuy310202630.501303,965265,198Form
10Moore, Jeffrey Lee DirectBuy304202630.451003,045417,987Form
11Marvin, Emma DirectBuy213202632.503,100100,750313,559Form
12Bouffard, David Mark DirectBuy204202631.4550015,725211,845Form
13Conant, Aminta K DirectBuy203202631.504,000126,000348,348Form
14Caldwell, Christopher LPres/CEO/Dir of Company & BankDirectBuy202202631.771,00031,771349,481Form
15Lamberton, Wayne DirectBuy202202631.192,00062,380267,142Form
16Brainard, NikolePAO-ControllerJoint with SpouseBuy116202622.941002,2942,294Form
17Baker, Bruce D DirectBuy113202628.001805,04029,960Form
18Laforce, David DirectBuy102202623.17952,201204,447Form
19Laforce, David DirectBuy102202618.471122,068159,078Form
20Bouffard, David Mark DirectSell1031202522.65245138,709Form
Core Cache Last Updated: 11/5/2026