Community Bancorp Inc Vermont
CMTVFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
Price
CMTV against its 20, 50 and 200-day averages2.2% under the 52-week high of 48.75 on 10 Nov 2026. 52-week low 22.40 on 17 Oct 2025. Last 15 sessions, 18.1% high to low
Volume 0.55× normal · the line is the 50-bar volume average
Profile
CMTVCommunity Bancorp operates as a bank holding company, which engages in a full line of personal and business financial services. The firm provides retail banking services to the residents, businesses, and municipalities in northeastern and central Vermont. It operates through the following segments: Commercial and Industrial, Purchased, Commercial Real Estate, Municipal, Residential Real Estate-1st Lien, Residential Real Estate -Jr Lien, and Consumer. The Commercial and Industrial segment includes commercial and industrial loans and to a lesser extent loans to finance agricultural production. The Purchased segment offers commercial loans to medical professionals nationwide and sells them individually to a secondary market, primarily banks, through a bid process. The Commercial Real Estate segment is involved in farm loans secured by farmland and buildings. The Municipal segment offers municipal financing transactions and backed by the full faith and credit of town governments or dedicated governmental revenue sources, with no historical losses recognized by the company. The Residential Real Estate-1st Lien segment deals with the family owner-occupied residential real estate mortgage services. The Residential Real Estate -Jr Lien segment offers family residential real estate mortgage services. The Consumer segment is made for individuals for consumer and household purposes. The company was founded in 1982 and is headquartered in Derby, VT.
| Index | RUT |
|---|---|
| Employees | 125 |
| IPO | Apr 15, 1994 |
| Beta | 0.37 |
| ATR, 14d | 1.55 |
| Rel volume | 0.55 |
| Short float | 4.86% |
| Insider own | 11.46% |
| Inst own | 27.49% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 253.08M |
| Enterprise Value | - |
| Income | 18.77M |
| Sales | 71.33M |
| Book/sh | 21.53 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 1.01 (2.12%) |
| Dividend Ex-Date | Oct 15, 2026 |
| Dividend Gr. 3/5Y | 2.13% 5.22% |
| Payout | 32.55% |
| Employees | 125 |
| IPO | Apr 15, 1994 |
Ratios
| P/E | 14.49 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 3.55 |
| P/B | 2.21 |
| P/C | - |
| P/FCF | 12.81 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.07 |
| Debt/Eq | 0.49 |
| LT Debt/Eq | 0.20 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 3.29 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 5.97% 8.21% |
| Sales past 3/5Y | 15.78% 11.35% |
| EPS Y/Y TTM | 15.31% |
| Sales Y/Y TTM | 8.67% |
| EPS Q/Q | - |
| Sales Q/Q | 7.29% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 11.46% |
|---|---|
| Insider Trans | 0.09% |
| Inst Own | 27.49% |
| Inst Trans | -0.64% |
| ROA | 1.53% |
| ROE | 16.14% |
| ROIC | 12.98% |
| Gross Margin | - |
| Oper. Margin | 30.06% |
| Profit Margin | 26.32% |
| SMA20 | 9.51% |
| SMA50 | 12.81% |
| SMA200 | 23.40% |
| Trades | - |
Technical
| Shs Outstand | 5.61M |
|---|---|
| Shs Float | 4.70M |
| Short Float | 4.86% |
| Short Ratio | 6.76 |
| Short Interest | 0.23M |
| 52W High | 48.75 -2.24% |
| 52W Low | 22.67 110.23% |
| Volatility | 5.25% 3.28% |
| ATR (14) | 1.55 |
| RSI (14) | 73.58 |
| Beta | 0.37 |
| Rel Volume | 0.55 |
| Avg Volume | 33.75K |
| Volume | 18,618 |
Performance
| Perf Week | 3.70% |
|---|---|
| Perf Month | 12.59% |
| Perf Quarter | 17.01% |
| Perf Half Y | 23.92% |
| Perf YTD | 91.48% |
| Perf Year | 102.81% |
| Perf 3Y | 161.87% |
| Perf 5Y | 149.02% |
| Perf 10Y | 235.40% |
| Recom | - |
| Target Price | - |
| Prev Close | 47.18 |
| Price | 47.66 |
| Change % | 1.02% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| UNB | Union Bankshares Inc | 112.39M |
| BHB | Bar Harbor Bankshares Inc | 696.29M |
| FNLC | First Bancorp Inc (ME) | 415.92M |
| AROW | Arrow Financial Corp | 715.83M |
| CAC | Camden National Corp | 1.00B |
| WNEB | Western New England Bancorp Inc | 270.89M |
| PBFS | Pioneer Bancorp Inc | 455.23M |
| CZFS | Citizens Financial Services Inc | 412.85M |
| NWFL | Norwood Financial Corp | 394.81M |
| NBN | Northeast Bank | 1.10B |
Insider trading
latest 14 of 15| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Caldwell Christopher L. | Pres/CEO/Dir of Company & Bank | Nov 03 '26 | Buy | 42.98 | 500 | 21,492 | 12,500 | Nov 03 11:02 AM |
| Martin Carol | Director | Jun 03 '26 | Buy | 36.00 | 72 | 2,592 | 10,492 | Jun 05 02:14 PM |
| Caldwell Christopher L. | Pres/CEO/Dir of Company & Bank | Apr 06 '26 | Buy | 35.30 | 1,000 | 35,299 | 12,000 | Apr 06 09:11 PM |
| Lamberton Wayne | Director | Apr 06 '26 | Buy | 34.32 | 1,350 | 46,332 | 10,045 | Apr 06 09:06 PM |
| Laforce David | Director | Mar 03 '26 | Buy | 30.00 | 895 | 26,850 | 9,859 | Mar 17 09:43 AM |
| Laforce David | Director | Feb 20 '26 | Buy | 31.38 | 140 | 4,393 | 8,964 | Mar 17 09:43 AM |
| BONVECHIO LOUISE M | Executive VP & CFO | Mar 12 '26 | Buy | 32.75 | 763 | 24,988 | 12,009 | Mar 12 01:25 PM |
| BONVECHIO LOUISE M | Executive VP & CFO | Mar 12 '26 | Buy | 32.75 | 763 | 24,988 | 12,009 | Mar 12 01:20 PM |
| Lamberton Wayne | Director | Mar 10 '26 | Buy | 30.50 | 130 | 3,965 | 8,695 | Mar 10 12:31 PM |
| Moore Jeffrey Lee | Director | Mar 04 '26 | Buy | 30.45 | 100 | 3,045 | 13,727 | Mar 05 09:40 AM |
| Marvin Emma | Director | Feb 13 '26 | Buy | 32.50 | 3,100 | 100,750 | 9,648 | Feb 13 11:51 AM |
| Bouffard David Mark | Director | Feb 04 '26 | Buy | 31.45 | 500 | 15,725 | 6,736 | Feb 05 10:39 AM |
| Conant Aminta K | Director | Feb 02 '26 | Buy | 31.50 | 4,000 | 126,000 | 11,059 | Feb 03 08:52 AM |
| Caldwell Christopher L. | Pres/CEO/Dir of Company & Bank | Feb 02 '26 | Buy | 31.77 | 1,000 | 31,771 | 11,000 | Feb 02 01:58 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| FDM | First Trust Dow Jones Select Microcap Index Fund | AUM: 267.52M |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| IWO | iShares Russell 2000 Growth ETF | AUM: 14.06B |
| GSSC | Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF | AUM: 1.06B |
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2024Q2 | 2024-07-23 | - | - | 0.487 | - | - | - |
| 2022Q4 | 2023-01-23 | - | - | 0.861 | - | - | - |
| 2021Q2 | 2021-07-26 | - | - | 0.568 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 1.206 | 1.614 | 1.679 | 2.029 | 2.449 | 2.53 | 2.433 | 2.276 | 3.011 | 3.2892 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.554 | 0.727 | 0.624 | 0.718 | 0.842 | 0.828 | 0.782 | 0.838 | - | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 31.564 | 34.518 | 37.116 | 39.149 | 40.573 | 43.173 | 53.044 | 60.962 | 67.005 | 71.33 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 15.617 | 16.505 | 15.854 | 16.361 | 16.921 | 17.87 | 17.53 | 17.776 | 18.154 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 5.112 | 5.172 | 5.24 | 5.317 | 5.378 | 5.438 | 5.514 | 5.599 | 5.583 | 5.611 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 5.578 | 5.599 | 5.618 | 5.609 | 5.619 | 5.583 | 5.597 | 5.602 | 5.611 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 64.40 | 60.88 | 55.00 | 46.90 | 37.11 | 34.79 | 33.06 | 31.76 | 29.11 |
| Total Interest Expense | 19.52 | 20.01 | 20.37 | 12.69 | 4.03 | 3.12 | 4.85 | 6.14 | 4.49 |
| Net Interest Income | 44.88 | 40.87 | 34.63 | 34.21 | 33.08 | 31.67 | 28.22 | 25.62 | 24.63 |
| Loan Loss Provision | 1.97 | 1.37 | 1.13 | 1.48 | 0.98 | 0.62 | 1.59 | 1.07 | 0.78 |
| Net Interest Income After Loan Loss Provision | 42.91 | 39.50 | 33.50 | 32.73 | 32.11 | 31.04 | 26.63 | 24.55 | 23.85 |
| Non-Interest Income | 6.92 | 6.13 | 5.96 | 6.14 | 6.06 | 5.78 | 6.09 | 5.36 | 5.40 |
| Non-Interest Expense | 28.39 | 27.00 | 25.48 | 23.58 | 21.87 | 21.66 | 20.39 | 19.88 | 20.36 |
| Operating Income | 21.44 | 18.62 | 13.98 | 15.29 | 16.29 | 15.17 | 12.32 | 10.03 | 8.89 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 22.66 | 20.40 | 15.20 | 16.33 | 16.88 | 16.12 | 13.01 | 10.61 | 10.14 |
| Income Taxes | 3.88 | 3.44 | 2.44 | 2.90 | 3.14 | 2.98 | 2.25 | 1.79 | 1.74 |
| Consolidated Net Income | 18.78 | 16.97 | 12.76 | 13.43 | 13.74 | 13.14 | 10.76 | 17.65 | 8.40 |
| Net Income From Continuing Operations | 18.78 | 16.97 | 12.76 | 13.43 | 13.74 | 13.14 | 10.76 | 17.65 | 8.40 |
| Net Income | 18.77 | 16.87 | 12.64 | 13.31 | 13.67 | 13.09 | 10.70 | 17.56 | 8.29 |
| EPS (Recurring) | - | 3.01 | 2.28 | 2.43 | 2.53 | 2.45 | 2.03 | 1.68 | 1.61 |
| EPS (Basic, Before Extraordinaries) | 3.36 | 3.01 | 2.28 | 2.43 | 2.53 | 2.45 | 2.03 | 1.68 | 1.61 |
| EPS (Diluted) | - | 3.01 | 2.28 | 2.43 | 2.53 | 2.45 | 2.03 | 1.68 | 1.61 |
| Non-Operating Income (Expense) | - | 1.78 | 1.22 | 1.03 | 0.58 | 0.95 | 0.68 | 0.59 | 0.51 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 8.82 | 0.00 |
| Price To Earnings Ratio | 14.34 | 14.34 | 7.66 | 6.78 | 8.51 | 8.51 | 7.88 | 9.77 | 10.23 |
| Price To Sales Ratio | 3.24 | 2.11 | 1.52 | 1.86 | 2.44 | 2.71 | 2.00 | 2.24 | 2.46 |
| Operating Margin | 30.06 | 27.79 | 22.94 | 28.83 | 37.73 | 37.39 | 31.47 | 27.01 | 25.75 |
| Net Margin | 26.32 | 25.18 | 20.73 | 25.09 | 31.67 | 32.26 | 27.34 | 47.31 | 24.03 |
| Shares Outstanding | 5.61 | 5.58 | 5.60 | 5.51 | 5.44 | 5.38 | 5.32 | 5.24 | 5.17 |
| Market Capitalization | 250.53 | 250.53 | 93.15 | 98.89 | 105.72 | 110.49 | 78.68 | 83.57 | 85.92 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 16.25 | 16.04 | 16.03 | 16.09 | 15.42 | 14.85 | 14.52 | 14.98 |
| Total Interest Expense | 4.59 | 4.79 | 5.08 | 5.06 | 4.91 | 4.96 | 5.09 | 5.47 |
| Net Interest Income | 11.66 | 11.25 | 10.95 | 11.03 | 10.51 | 9.89 | 9.44 | 9.51 |
| Loan Loss Provision | 0.47 | 0.72 | 0.39 | 0.38 | 0.26 | 0.41 | 0.33 | 0.03 |
| Net Interest Income After Loan Loss Provision | 11.18 | 10.53 | 10.56 | 10.65 | 10.25 | 9.49 | 9.11 | 9.48 |
| Non-Interest Income | 1.91 | 1.73 | 1.50 | 1.78 | 1.50 | 1.51 | 1.33 | 1.53 |
| Non-Interest Expense | 6.93 | 7.17 | 7.06 | 7.24 | 6.59 | 6.67 | 6.50 | 6.40 |
| Operating Income | 6.16 | 5.09 | 5.00 | 5.19 | 5.16 | 4.33 | 3.94 | 4.61 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 6.16 | 5.67 | 5.24 | 5.58 | 5.75 | 4.88 | 4.19 | 4.86 |
| Income Taxes | 1.07 | 0.99 | 0.88 | 0.95 | 1.01 | 0.82 | 0.66 | 0.76 |
| Consolidated Net Income | 5.09 | 4.69 | 4.37 | 4.64 | 4.75 | 4.06 | 3.53 | 4.10 |
| Net Income From Continuing Operations | 5.09 | 4.69 | 4.37 | 4.64 | 4.75 | 4.06 | 3.53 | 4.10 |
| Net Income | 5.09 | 4.69 | 4.37 | 4.62 | 4.72 | 4.03 | 3.50 | 4.07 |
| EPS (Recurring) | - | 0.84 | 0.78 | 0.83 | 0.84 | 0.72 | 0.62 | 0.73 |
| EPS (Basic, Before Extraordinaries) | 0.91 | 0.84 | 0.78 | 0.83 | 0.84 | 0.72 | 0.62 | 0.73 |
| EPS (Diluted) | - | 0.84 | 0.78 | 0.83 | 0.84 | 0.72 | 0.62 | 0.73 |
| Non-Operating Income (Expense) | - | 0.58 | 0.24 | 0.40 | 0.59 | 0.55 | 0.25 | 0.24 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price To Earnings Ratio | 14.34 | 12.34 | 10.33 | 8.55 | 8.58 | 8.36 | 7.77 | 7.66 |
| Price To Sales Ratio | 3.24 | 3.12 | 2.53 | 2.10 | 1.92 | 1.74 | 1.58 | 1.53 |
| Operating Margin | 33.93 | 28.66 | 28.53 | 29.04 | 30.51 | 26.47 | 24.85 | 27.96 |
| Net Margin | 28.04 | 26.37 | 24.92 | 25.88 | 27.89 | 24.64 | 22.06 | 24.65 |
| Shares Outstanding | 5.61 | 5.60 | 5.60 | 5.58 | 5.62 | 5.61 | 5.62 | 5.60 |
| Market Capitalization | 250.53 | 218.62 | 173.56 | 139.50 | 126.09 | 112.33 | 98.45 | 93.15 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 11.80 | 9.88 | 15.00 | 12.30 | 17.84 | 10.85 | 10.26 | 14.91 | 10.69 |
| Investments | 263.86 | 263.39 | 197.78 | 253.17 | 276.64 | 166.48 | 85.70 | 141.21 | 121.98 |
| Net Loans | 955.21 | 918.78 | 836.16 | 740.33 | 682.24 | 700.95 | 601.42 | 526.14 | 497.75 |
| Investment in Unconsolidated Affiliates | 14.30 | 14.84 | 7.98 | 8.15 | 5.23 | 6.65 | 6.30 | 5.21 | 4.23 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.32 | - | - | - | - | 0.00 | 0.97 | 0.20 | 0.28 |
| Net Property, Plant & Equipment | 12.09 | 12.07 | 12.37 | 13.04 | 13.77 | 10.21 | 10.96 | 9.71 | 10.34 |
| Interest Receivables | 4.61 | 4.47 | 4.25 | 3.21 | 2.40 | 2.99 | 2.34 | 2.30 | 2.05 |
| Deferred Tax Assets | 5.13 | 6.58 | 6.67 | 7.42 | 2.10 | 1.57 | 1.30 | 1.42 | 1.32 |
| Other Intangible Assets | 21.87 | 20.31 | 20.22 | 19.36 | 19.83 | 19.57 | 19.57 | 19.89 | 19.06 |
| Total Assets | 1,289.19 | 1,250.33 | 1,100.44 | 1,056.99 | 1,020.05 | 919.27 | 738.82 | 720.99 | 667.71 |
| Total Deposits | 1,070.67 | 1,001.64 | 896.97 | 922.97 | 879.40 | 782.29 | 615.02 | 608.82 | 560.63 |
| Total Debt | 94.02 | 138.00 | 107.61 | 51.57 | 51.52 | 55.51 | 50.09 | 45.23 | 45.47 |
| Long Term Debt | 36.98 | 46.77 | 70.85 | 17.77 | 18.51 | 15.04 | 16.58 | 14.56 | 16.68 |
| Provision for Risks Charges | 0.63 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 1.63 | 1.40 | 1.09 | 0.96 | 0.94 | 1.04 | 0.87 | 0.64 | 0.66 |
| Other Liabilities | 8.56 | 11.24 | 5.74 | 6.32 | 3.43 | 3.14 | 3.95 | 3.70 | 3.01 |
| Total Liabilities | 1,175.51 | 1,152.28 | 1,011.41 | 981.82 | 935.29 | 841.98 | 669.93 | 658.39 | 609.77 |
| Preferred Stock - Carrying Value | 0.00 | 1.50 | 1.50 | 1.50 | 1.50 | 1.50 | 1.50 | 2.00 | 2.50 |
| Common Equity | 113.69 | 96.55 | 87.53 | 73.68 | 83.26 | 75.79 | 67.39 | 60.60 | 55.44 |
| Total Shareholders Equity | 113.69 | 98.05 | 89.03 | 75.18 | 84.76 | 77.29 | 68.89 | 62.60 | 57.94 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 113.69 | 98.05 | 89.03 | 75.18 | 84.76 | 77.29 | 68.89 | 62.60 | 57.94 |
| Total Liabilities & Stockholders Equity | 1,289.19 | 1,250.33 | 1,100.44 | 1,056.99 | 1,020.05 | 919.27 | 738.82 | 720.99 | 667.71 |
| Book Value Per Share | 20.36 | 17.24 | 15.87 | 13.55 | 15.48 | 14.25 | 12.86 | 11.72 | 10.84 |
| Tangible Book Value Per Share | 18.29 | 15.18 | 13.77 | 11.42 | 13.33 | 12.08 | 10.65 | 9.48 | 8.58 |
| Tier 1 Capital | - | 115.14 | 106.27 | 97.16 | 87.24 | 77.59 | 69.95 | 64.56 | 59.52 |
| Tier 2 Capital | - | 10.51 | 9.67 | 8.81 | 7.65 | 6.86 | 6.00 | 5.65 | 5.48 |
| Full-Time Employees | 125 | 128 | 120 | 122 | 134 | 136 | 136 | 135 | 138 |
| Price to Book Ratio | 2.19 | 0.96 | 1.28 | 1.55 | 1.35 | 1.07 | 1.27 | 1.41 | 1.56 |
| Return on Assets | 1.34 | 1.09 | 1.25 | 1.32 | 1.35 | 1.30 | 2.42 | 1.21 | 0.95 |
| Return on Equity | 16.03 | 13.65 | 16.36 | 17.18 | 16.22 | 14.72 | 26.84 | 13.93 | 11.09 |
| Return on Invested Capital | 11.26 | 8.81 | 8.40 | 14.78 | 12.72 | 11.65 | 20.65 | 10.88 | 8.35 |
| Current Ratio | 0.23 | 0.18 | 0.05 | 0.19 | 0.30 | 0.35 | 0.12 | 0.17 | 0.12 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 18.32 | 14.82 | 17.57 | 15.72 | 14.16 | 12.77 | 10.82 | 9.93 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -2.27 | 0.87 | 1.81 | -0.56 | -0.45 | 1.00 | 0.42 | -0.80 |
| Cash from Operating Activities | - | 16.04 | 15.68 | 19.38 | 15.16 | 13.71 | 13.77 | 11.25 | 9.13 |
| Capital Expenditures | - | -0.78 | -0.79 | -0.63 | -0.62 | -0.90 | -0.45 | -0.95 | -0.09 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 22.94 | 29.27 | 5.78 | -35.87 | -122.95 | -13.85 | -6.12 | 0.05 |
| Purchase of Investments | - | -14.97 | -6.39 | -11.32 | -57.33 | -143.81 | -37.68 | -26.41 | -42.79 |
| Sale Or Maturity of Investments | - | 37.91 | 35.66 | 17.10 | 21.46 | 20.85 | 23.83 | 20.29 | 42.84 |
| Federal Home Loan Advances Increase (Decrease) | - | -0.30 | -0.99 | -0.23 | 0.02 | 0.01 | -0.01 | 0.32 | -0.05 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | -16.19 | -56.48 | 103.65 | -94.42 | -104.26 | -116.09 | -36.71 | -28.17 |
| Cash Dividends Paid | - | -4.06 | -3.84 | -3.80 | -3.78 | -3.44 | -3.00 | -2.92 | -2.78 |
| Preferred Dividends (Cash Flow) | - | -0.10 | -0.13 | -0.12 | -0.07 | -0.05 | -0.05 | -0.09 | -0.10 |
| Change in Capital Stock | - | -3.38 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.50 | -0.50 |
| Repurchase of Common Pref Stock | - | -3.38 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.50 | -0.50 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -44.30 | 30.46 | 56.26 | 0.25 | -7.82 | 5.63 | 3.60 | -0.24 |
| Change in Long Term Debt | - | 4.94 | 29.77 | -0.42 | -0.21 | -1.55 | 0.09 | 0.93 | -2.12 |
| Issuance of Long Term Debt | - | 10.18 | 30.00 | 0.00 | 0.00 | 0.00 | 0.15 | 1.10 | 0.00 |
| Reduction of Long Term Debt | - | -5.23 | -0.23 | -0.42 | -0.21 | -1.55 | -0.06 | -0.17 | -2.12 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | - | 0.00 | 0.00 | 0.00 | - | - | 0.00 |
| Cash from Financing Activities | - | 17.27 | 131.30 | 26.46 | 40.05 | 85.86 | 169.89 | 6.38 | 44.66 |
| Net Change in Cash | - | 17.12 | 90.51 | -50.71 | -39.22 | -4.69 | 66.49 | -19.37 | 25.28 |
| Free Cash Flow | - | 15.26 | 14.89 | 18.74 | 14.54 | 12.82 | 13.32 | 10.29 | 9.04 |
| Price to Free Cash Flow | - | 12.62 | 8.39 | 6.59 | 9.79 | 11.74 | 7.59 | 11.30 | 13.55 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 11.74 | 19.77 | 9.51 | 11.80 | 11.81 | 12.37 |
| Investments | 150.96 | 136.56 | 196.07 | 263.86 | 205.83 | 165.32 |
| Net Loans | 1,011.03 | 959.59 | 973.45 | 955.21 | 951.85 | 931.92 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 14.30 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 12.32 | 12.22 | 12.04 | 12.09 | 12.39 | 12.31 |
| Interest Receivables | 4.68 | 4.51 | 5.30 | 4.61 | 4.46 | 4.44 |
| Deferred Tax Assets | - | - | - | 5.13 | - | - |
| Other Intangible Assets | 40.82 | 40.10 | 38.92 | 21.87 | 39.51 | 40.22 |
| Total Assets | 1,231.55 | 1,172.75 | 1,235.28 | 1,289.19 | 1,226.17 | 1,166.59 |
| Total Deposits | 1,043.80 | 981.65 | 1,017.77 | 1,070.67 | 1,008.30 | 932.97 |
| Total Debt | 58.75 | 58.88 | 88.95 | 94.02 | 93.34 | 114.91 |
| Long Term Debt | 23.86 | 13.86 | 28.86 | 36.98 | 48.86 | 68.69 |
| Provision for Risks Charges | - | 0.75 | 0.59 | 0.63 | 0.68 | 0.62 |
| Deferred Tax Liabilities | - | - | - | 1.63 | - | - |
| Other Liabilities | 8.19 | 10.57 | 11.13 | 8.56 | 11.97 | 11.74 |
| Total Liabilities | 1,110.74 | 1,051.85 | 1,118.44 | 1,175.51 | 1,114.29 | 1,060.24 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 1.50 | 1.50 |
| Common Equity | 120.81 | 120.89 | 116.84 | 113.69 | 110.38 | 104.84 |
| Total Shareholders Equity | 120.81 | 120.89 | 116.84 | 113.69 | 111.88 | 106.34 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 120.81 | 120.89 | 116.84 | 113.69 | 111.88 | 106.34 |
| Total Liabilities & Stockholders Equity | 1,231.55 | 1,172.75 | 1,235.28 | 1,289.19 | 1,226.17 | 1,166.59 |
| Book Value Per Share | 21.53 | 21.58 | 20.88 | 20.36 | 19.64 | 18.69 |
| Tangible Book Value Per Share | 19.47 | 19.51 | 18.81 | 18.29 | 17.58 | 16.63 |
| Tier 1 Capital | - | 131.58 | - | - | 123.73 | 120.14 |
| Tier 2 Capital | - | 11.04 | - | - | 10.88 | 10.96 |
| Full-Time Employees | - | - | - | 125 | - | - |
| Price to Book Ratio | 2.19 | 1.87 | 1.53 | 1.27 | 1.20 | 1.11 |
| Return on Assets | 1.53 | 1.58 | 1.47 | 1.34 | 1.37 | 1.31 |
| Return on Equity | 16.14 | 16.23 | 16.21 | 16.03 | 15.63 | 14.97 |
| Return on Invested Capital | 3.52 | 3.48 | 3.00 | 3.08 | 2.95 | 2.32 |
| Current Ratio | 0.07 | 0.05 | 0.10 | 0.23 | 0.10 | 0.05 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 4.82 | 4.94 | 6.26 | 4.49 | 4.07 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 0.48 | -0.88 | -0.58 | 1.28 | 0.14 |
| Cash from Operating Activities | - | 5.31 | 4.06 | 5.68 | 5.76 | 4.21 |
| Capital Expenditures | - | -0.49 | -0.16 | 0.43 | -0.82 | -0.11 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 10.29 | 6.63 | 8.89 | 9.11 | 10.55 |
| Purchase of Investments | - | 0.00 | -0.26 | 0.00 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | - | 10.29 | 6.89 | 8.89 | 9.11 | 10.55 |
| Other Uses | - | -1.18 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 22.98 | -12.10 | 5.90 | -11.96 | 8.28 |
| Cash Dividends Paid | - | -1.03 | -1.02 | -1.04 | -1.01 | -1.01 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | -0.01 | -0.03 | -0.03 |
| Change in Capital Stock | - | 0.00 | -0.03 | -2.68 | -0.15 | -0.51 |
| Repurchase of Common Pref Stock | - | 0.00 | -0.03 | -2.68 | -0.15 | -0.51 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -30.13 | -1.47 | -3.04 | -21.63 | 21.44 |
| Change in Long Term Debt | - | -25.06 | -0.06 | -0.06 | 0.12 | -0.06 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 5.00 | 0.18 | 0.00 |
| Reduction of Long Term Debt | - | -25.06 | -0.06 | -5.06 | -0.06 | -0.06 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | - | - | - |
| Cash from Financing Activities | - | -67.27 | -55.42 | 55.61 | 52.54 | -26.78 |
| Net Change in Cash | - | -38.99 | -63.46 | 67.20 | 46.34 | -14.28 |
| Free Cash Flow | - | 4.81 | 3.90 | 6.11 | 4.94 | 4.10 |
| Price to Free Cash Flow | - | 13.96 | 11.61 | 12.58 | 12.61 | 11.66 |
Revenue breakdown
| National Commercial Banks | 2024: 41.81M 2025: 48.78M |
|---|---|
| United States | 2024: 41.81M 2025: 48.78M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 4.86% | 0.2M | 4.7M | 35.34K |
| 2026-10-15 | 5.02% | 0.2M | 5.0M | 37.33K |
| 2026-09-30 | 5.06% | 0.3M | 5.0M | 37.83K |
| 2026-09-15 | 4.87% | 0.2M | 5.0M | 46.35K |
| 2026-08-31 | 5.28% | 0.3M | 5.0M | 39.84K |
| 2026-08-14 | 4.68% | 0.2M | 5.0M | 38.46K |
| 2026-07-31 | 5.10% | 0.3M | 5.0M | 34.25K |
| 2026-07-15 | 5.51% | 0.3M | 5.0M | 34.41K |
| 2026-06-30 | 4.62% | 0.2M | 5.0M | 33.42K |
| 2026-06-15 | 1.92% | 0.1M | 5.0M | 33.55K |
| 2026-05-29 | 1.80% | 0.1M | 5.0M | 34.68K |
| 2026-05-15 | 1.71% | 0.1M | 5.0M | 31.91K |
| 2026-04-30 | 1.73% | 0.1M | 4.9M | 31.36K |
| 2026-04-15 | 1.12% | 0.1M | 4.9M | 27.79K |
| 2026-03-31 | 1.22% | 0.1M | 5.3M | 27.10K |
| 2026-03-13 | 0.24% | 0.0M | 5.4M | 10.61K |
| 2026-02-27 | 0.09% | 0.0M | 5.4M | 6.86K |
| 2026-02-13 | 0.04% | 0.0M | 5.4M | 6.98K |
| 2026-01-30 | 0.00% | 0.0M | 5.4M | 5.95K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-02 | SEC |
| 2026-10-27 | 8-K | Current report | 2026-10-26 | SEC |
| 2026-09-18 | 8-K | Current report | 2026-09-17 | SEC |
| 2026-08-14 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-27 | SCHEDULE 13G | SEC | ||
| 2026-07-23 | 8-K/A | 2026-07-21 | SEC | |
| 2026-07-21 | 8-K | Current report | 2026-07-21 | SEC |
| 2026-07-06 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2025-12-31 | SEC |
| 2026-07-01 | NT 11-K | 2025-12-31 | SEC | |
| 2026-06-18 | 8-K | Current report | 2026-06-17 | SEC |
| 2026-06-05 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-03 | SEC |
| 2026-05-22 | 8-K | Current report | 2026-05-19 | SEC |
| 2026-05-15 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-06 | SEC |
| 2026-04-21 | 8-K | Current report | 2026-04-21 | SEC |
| 2026-04-16 | 8-K/A | 2026-03-18 | SEC | |
| 2026-04-09 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-04-09 | DEFA14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | SEC | |
| 2026-04-09 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-05-19 | SEC |
| 2026-04-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-06 | SEC |
| 2026-04-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-06 | SEC |
| 2026-03-27 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-03-19 | 8-K | Current report | 2026-03-18 | SEC |
| 2026-03-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-17 | SEC |
| 2026-03-16 | SCHEDULE 13D/A | SEC | ||
| 2026-03-12 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-12 | SEC |
| 2026-03-12 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-12 | SEC |
| 2026-03-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-10 | SEC |
| 2026-03-05 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-04 | SEC |
| 2026-02-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-13 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 21.49K | 1 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 2.59K | 1 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 81.63K | 2 | 0 | 0 |
| 2026-03 | 83.84K | 5 | 0 | 0 |
| 2026-02 | 341.02K | 6 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 5.91% |
| Community Financial Services Group, LLC | 4.28% |
| VANGUARD CAPITAL MANAGEMENT LLC | 4.02% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.34% |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | 1.13% |
| SILVERLAKE WEALTH MANAGEMENT LLC | 1.11% |
| ALLIANCEBERNSTEIN L.P. | 1.08% |
| STATE STREET CORP | 1.00% |
| NORTHERN TRUST CORP | 0.70% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 0.62% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.90% |
| iShares Russell 2000 ETF | 1.83% |
| Fidelity Small Cap Index Fund | 1.00% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.99% |
| Avantis U.S. Small Cap Value ETF | 0.94% |
| iShares Russell 2000 Value ETF | 0.69% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.52% |
| Fidelity Extended Market Index Fund | 0.44% |
| iShares Micro-Cap ETF | 0.31% |
| Schwab Small-Cap Index Fund | 0.22% |
OakChart. CMTV. Cached 15 minutes.
Some panels did not load: ratings, news.