Event-Driven Stocks

COMMUNITY BANCORP /VT

CMTVNasdaq

Financials · National Commercial Banks · VT · SEC filings ↗ · Compare ⊕

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Signs● 2 good● 1 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue——————
Operating income——————
Net income$17.0M$12.8M$13.4M$13.7M$13.1M$10.8M
Total assets$1.29B$1.25B$1.10B$1.06B$1.02B$918.2M
Total liabilities$1.17B$1.15B$1.01B$980.9M$934.3M$840.9M
Equity$113.7M$98.0M$89.0M$75.2M$84.8M$77.3M
EPS (diluted)$3.01$2.28$2.43$2.53$2.45$2.03
Shares out.5.6M5.5M5.4M5.4M5.3M5.2M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
—
Return on equity
14.9%
Return on assets
1.3%
Return on capital (ROCE)
—
Liabilities / assets
91.2%
Debt / equity
10.33×
Book value / share
$20.31
Revenue growth (YoY)
—
Net income growth (YoY)
32.9%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
0.1%clean
Piotroski F-Score
4/6mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
77
/ 100
Profitability 100Growth 100Catalyst 67Earnings quality 67Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 warning● 2 good
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 202684,7136.8-1.1%
Apr 30, 202685,6512.7+54.2%
Apr 15, 202655,5452.5-14.3%
Mar 31, 202664,7731.0+409.9%
Mar 13, 202612,7041.0+169.2%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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