Market Price

16.37 

0.00 0.0%

as of Jun 19 '19

52 Week Range:

15.94 19.39


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Community Bancorp. operates as the bank holding company for Community National Bank that provides retail banking services to residents, businesses, nonprofit organizations, and municipalities. The company accepts various deposit products, such as checking accounts, savings programs, certificates of deposit, and other deposit accounts. Its loan products include financing for commercial business properties, equipment, inventories, and accounts receivable, as well as letters of credit; commercial and residential real estate lending; personal, automobile, and boat/recreational vehicle loans; and tax-exempt loans, lines of credit, and term loans. The company also offers debit/credit cards; and cash management, repurchase agreement, automated clearing house, wire transfer, remote deposit capture, and automated teller machine services, as well as online, mobile, and telephone banking services. It operates through a main office in Derby; and 11 branch offices in northeastern and central Vermont. Community Bancorp. was founded in 1851 and is based in Derby, Vermont.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 7.36
7.56
7.92
7.69
8.49
8.78
9.25
9.70
10.15
10.70
11.39
growth rate 2.7% 4.8% -2.9% 10.4% 3.4% 5.4% 4.9% 4.6% 5.4% 6.5%
Earnings BIT 7.45
7.16
8.08
9.85
growth rate -3.9% 12.9% 21.9%
Avg.PE 14.51
16.25
15.01
12.00
growth rate 12.0% -7.6% -20.1%
ROA 0.44
0.75
0.75
0.65
0.78
0.89
0.87
0.80
0.87
0.94
1.20
growth rate 70.5% 0.0% -13.3% 20.0% 14.1% -2.3% -8.1% 8.8% 8.1% 27.7%
ROE 6.75
11.16
11.11
9.55
11.10
12.04
11.19
9.95
10.70
11.42
14.30
growth rate 65.3% -0.5% -14.0% 16.2% 8.5% -7.1% -11.1% 7.5% 6.7% 25.2%
Leverage 14.88
14.69
14.90
14.39
14.09
13.15
12.62
12.19
12.27
12.03
11.89
growth rate -1.3% 1.4% -3.4% -2.1% -6.7% -4.0% -3.4% 0.7% -2.0% -1.2%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 1.78
1.70
1.63
1.82
2.05
growth rate -4.5% -3.8% 11.4% 12.8%
Acct.Payable 2.74
493.02
495.49
504.74
560.64
608.82
growth rate 17,919.7% 0.5% 1.9% 11.1% 8.6%
Cur.Assets 27.93
31.95
31.83
46.03
70.44
growth rate 14.4% -0.4% 44.6% 53.0%
Total Assets 573.67
586.71
596.13
637.65
667.05
720.35
growth rate 2.3% 1.6% 7.0% 4.6% 8.0%
Cash 95.09
24.50
28.39
29.15
42.19
67.90
growth rate -74.2% 15.9% 2.7% 44.7% 61.0%
Inventory 1.24
0.26
0.39
0.28
0.20
growth rate -78.8% 50.4% -27.9% -29.1%
Cur.Liabilities 521.63
527.61
565.23
589.38
639.45
growth rate 1.2% 7.1% 4.3% 8.5%
Liabilities 527.53
537.72
544.72
583.20
609.11
657.74
growth rate 1.9% 1.3% 7.1% 4.4% 8.0%
LT Debt 12.89
12.89
14.44
16.44
14.44
growth rate 0.0% 12.0% 13.9% -12.2%
Equity 46.14
46.50
48.91
51.95
55.44
60.60
growth rate 0.8% 5.2% 6.2% 6.7% 9.3%
Common Shares 4.00
5.00
5.00
5.00
5.00
5.00
5.00
5.00
5.00
5.00
5.00
growth rate 25.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 0.49
0.74
1.07
0.45
0.58
0.09
growth rate 52.3% 44.5% -57.8% 27.2% -84.2%
Cash Dividends 2.06
2.25
2.34
2.40
2.56
2.78
growth rate 9.4% 4.2% 2.5% 6.6% 8.5%
Cash From OA 10.51
9.34
5.59
9.31
8.07
10.17
growth rate -11.1% -40.1% 66.4% -13.4% 26.1%
FCF per Share 0.51
1.05
1.01
1.48
1.38
1.74
1.94
1.16
1.51
1.71
1.67
growth rate 105.9% -3.8% 46.5% -6.8% 26.1% 11.5% -40.2% 30.2% 13.3% -2.3%
FCF 2.00
5.00
5.00
5.00
7.00
10.00
9.00
5.00
9.00
7.00
10.00
growth rate 150.0% 0.0% 0.0% 40.0% 42.9% -10.0% -44.4% 80.0% -22.2% 42.9%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 28.62
24.47
25.39
26.54
28.31
30.03
growth rate -14.5% 3.8% 4.5% 6.7% 6.1%
Op.Income 5.09
6.89
6.58
7.40
9.17
10.14
growth rate 35.4% -4.4% 12.4% 23.9% 10.5%
IBT 6.22
6.91
6.59
7.41
9.14
10.14
growth rate 11.1% -4.6% 12.4% 23.4% 10.9%
Net Income 5.09
5.12
4.83
5.48
6.23
8.40
growth rate 0.8% -5.8% 13.7% 13.6% 34.8%
EPS 0.46
0.79
0.82
0.73
0.88
1.03
1.03
0.96
1.07
1.21
1.61
growth rate 71.7% 3.8% -11.0% 20.6% 17.1% 0.0% -6.8% 11.5% 13.1% 33.1%
Gross Profit 24.47
25.39
26.54
28.31
30.03
growth rate 3.8% 4.5% 6.7% 6.1%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 2.57
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 2.21
growth rate
Acct.Payable 558.23
526.92
585.48
608.82
590.93
growth rate -5.6% 11.1% 4.0% -2.9%
Cur.Assets 44.33
31.13
43.27
70.44
54.68
growth rate -29.8% 39.0% 62.8% -22.4%
Total Assets 665.97
655.00
694.50
720.35
706.73
growth rate -1.7% 6.0% 3.7% -1.9%
Cash 41.47
28.81
40.40
67.90
51.92
growth rate -30.5% 40.2% 68.1% -23.5%
Inventory 0.28
0.36
0.20
0.20
0.20
growth rate 28.2% -45.6% 1.6% 0.0%
Cur.Liabilities 588.59
578.31
616.31
639.45
624.08
growth rate -1.8% 6.6% 3.8% -2.4%
Liabilities 607.66
595.54
633.61
657.74
643.10
growth rate -2.0% 6.4% 3.8% -2.2%
LT Debt 16.44
14.44
14.44
14.44
15.67
growth rate -12.2% 0.0% 0.0% 8.6%
Equity 56.31
57.46
58.89
60.60
62.13
growth rate 2.0% 2.5% 2.9% 2.5%
Common Shares 13.34
13.38
13.42
13.46
13.50
growth rate 0.3% 0.3% 0.3% 0.4%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 0.10
-0.10
0.09
0.09
0.27
growth rate -100.0% 100.0% 0.0% 199.9%
Cash Dividends 0.66
0.65
0.73
0.73
0.72
growth rate -0.3% 11.7% 0.4% -2.4%
Cash From OA 2.37
2.58
2.25
2.96
2.04
growth rate 8.9% -13.0% 31.9% -31.2%
Sale Purchase of Stock -0.50
growth rate
FCF 2.27
2.48
2.16
2.87
1.77
growth rate 9.3% -13.2% 33.2% -38.5%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 7.12
7.60
7.63
7.68
7.27
growth rate 6.7% 0.4% 0.6% -5.4%
Op.Income 2.39
2.50
2.76
2.49
2.11
growth rate 4.3% 10.4% -9.6% -15.3%
IBT 2.39
2.50
2.76
2.49
2.11
growth rate 4.3% 10.4% -9.6% -15.3%
Net Income 1.98
2.00
2.27
2.14
1.77
growth rate 1.0% 13.3% -5.6% -17.3%
Gross Profit 7.12
7.60
7.63
7.68
7.27
growth rate 6.7% 0.4% 0.6% -5.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (54.66)

YOY Growth Grade:

E (27.05)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.00 11.63
EPS / Growth 0.0% 1.41

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 7.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.0% 3.7% 3.7%
Future PE 0.00 6.48 6.48
Future EPS 1.41 2.03 2.03
Value Price
MOS %
0.00
-100.0%
3.25
-80.1%
3.25
-80.1%
MOS Price 0.00 1.63 1.63
IRT 11.63 9.54 9.54

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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