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Stock Ratings / Financials / CMTV / earnings
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Community Bancorp. (CMTV) Next Earnings Date & Expected ±5.8% Move

$42.91 +2.18% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $43.18

Community Bancorp. (CMTV) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 15% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $235.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CMTV Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CMTV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Community Bancorp. (NASDAQ: CMTV) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $42.91 (+2.18% 1D, market cap $235.2M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 17/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, CMTV ranks #118 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CMTV compare to PEBK and INBK in the Financials sector?
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Within the Financials sector (Major Banks), CMTV carries a Roarable B- (70/100 RQD), trailing P/E of 13.9x, gross margin of —, and ROIC of 14.9%. By comparison, PEBK (Peoples Bancorp of North Carolina Inc.) holds a C+ grade (67/100 RQD, P/E 12.3x, ROIC 12.6%, cap $240.5M) and INBK (First Internet Bancorp) posts a D- grade (43/100 RQD, P/E N/A, ROIC -9.8%, cap $225.4M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while CMTV leads on capital efficiency (14.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CMTV?
▼

Per CMTV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000718413), Community Bancorp. generated $540.8M in revenue (+3.1% YoY), $17.0M in net income, and $15.3M in free cash flow against $1.29B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $43.18 (+0.63%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510070
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ · Rk B
Cash (12)Whales (11)SEC (13)Macro (17)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+5.4% Base Target
$53 Bull$45 Base$35 Bear
📬 FREE CMTV RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CMTV)Realized 20D OHLCV Swing Band: ±5.8%
Deterministic 5-Pillar Attribution (70/100 Composite)
🔍 WHY CMTV SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+17/20 pts (24% of score)

FRED Regime × Technicals: 95% of 52W Range • RSI-14 at 50.9 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
62
Grade C+$42.33-1.4% Next Q
Q2 (-2Q)
65
Grade C+$41.75+0.3% Next Q
Q3 (-1Q)
67
Grade B-$41.89+2.4% Next Q
Current
70
Grade B-$42.91+6.6% Hist 90D α
Trajectory: C+ (62) → B- (70)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CMTV Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, CMTV faces multiple-compression risk if 13.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($41.43) or 200D SMA ($38.05) invalidates the momentum regime and cuts Target Base ($45.23) toward Bear Floor ($35.19).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CMTV• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CMTV Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 70%NO 30%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±5.8% Swing Band

±$2.49 Expected Swing
$40.42 (-5.8%)Spot $42.91$45.40 (+5.8%)
MODEL EARNINGS SETUP GAUGE

CMTV Quantitative Pre-Earnings Setup: 70/100

Trailing EPS: $3.03 • YoY Revenue Growth: 12.4%

Model Bullish Setup (70/100)Model Risk Weight (30/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$540.8M$17.0M$15.3M52%
FY 20242024-12-31$524.6M$12.8M$15.0M52%
FY 20232023-12-31$60.4M$13.4M$14.9M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CMTV & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on CMTV
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CMTV // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.30%▲ ASCENDING TRIANGLE
2026-11-03O $42.19H $42.91L $41.99C $42.91VOL 9.9K
RES: $44.04SUP: $40.70SMA50: $41.43SMA200: $38.05
$45.12$40.28$35.44$30.60$25.76RES $44.04SUP $40.70$42.912026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CMTV Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CMTV Butterfly Map → + Track CMTV →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
5.6%/yr Implied 5Y Growth

vs. +3.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CMTV today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CMTV. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CMTV today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CMTV)

Financials Rank #118 of 1097 ⚔️ PEBK vs CMTV Full Matrix →

1. Head-to-Head Financials Peer Comparison (CMTV vs. PEBK, INBK, OPBK, EFSI)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Community Bancorp. (CMTV) ranks #118 by composite RQD confidence (70/100, grade B-) and #854 by equity capitalization ($235.2M). Within this direct 5-issuer industry benchmark cohort, OPBK leads on earnings valuation at 9.0x trailing P/E, while CMTV leads on capital efficiency and profitability with 14.9% ROIC and — gross margin. CMTV currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CMTV ACTIVE
Community Bancorp.
B- 70/100 13.9x — 14.9% +2.18% $235.2M Benchmark Subject
PEBK
Peoples Bancorp of North Carolina Inc.
C+ 67/100 12.3x — 12.6% +1.06% $240.5M /pebk-vs-cmtv →
INBK
First Internet Bancorp
D- 43/100 — — -9.8% +4.03% $225.4M /inbk-vs-cmtv →
OPBK
OP Bancorp
C 63/100 9.0x — 11.2% +1.66% $225.2M /opbk-vs-cmtv →
EFSI
Eagle Financial Services Inc
C 63/100 30.3x — 4.3% +1.41% $246.8M /efsi-vs-cmtv →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000718413 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Community Bancorp. (CMTV) reported GAAP revenue of $540.8M (+3.1% vs. FY2024 revenue of $524.6M , and +794.7% cumulative change since FY2023) , GAAP net income of $17.0M, operating cash flow of $16.0M, and free cash flow of $15.3M (+1.9% YoY). On the balance sheet, CMTV closed FY2025 with $1.29B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $540.8M $17.0M $16.0M $15.3M $1.29B —
FY2024 (FY) 2024-12-31 $524.6M $12.8M $15.8M $15.0M $1.25B —
FY2023 (FY) 2023-12-31 $60.4M $13.4M $14.9M $14.9M — —

3. CMTV Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CMTV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Community Bancorp. (NASDAQ: CMTV) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $42.91 (+2.18% 1D, market cap $235.2M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 17/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, CMTV ranks #118 in composite RQD confidence.

How does CMTV compare to PEBK and INBK in the Financials sector?

Within the Financials sector (Major Banks), CMTV carries a Roarable B- (70/100 RQD), trailing P/E of 13.9x, gross margin of —, and ROIC of 14.9%. By comparison, PEBK (Peoples Bancorp of North Carolina Inc.) holds a C+ grade (67/100 RQD, P/E 12.3x, ROIC 12.6%, cap $240.5M) and INBK (First Internet Bancorp) posts a D- grade (43/100 RQD, P/E N/A, ROIC -9.8%, cap $225.4M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while CMTV leads on capital efficiency (14.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CMTV?

Per CMTV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000718413), Community Bancorp. generated $540.8M in revenue (+3.1% YoY), $17.0M in net income, and $15.3M in free cash flow against $1.29B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CMTV trading relative to its 50-day, 200-day, and 52-week technical levels?

CMTV last traded at $42.91 (+2.18% on volume of 13,599 shares), positioning the stock +3.57% above its 50-day simple moving average ($41.43) and +12.77% above its 200-day simple moving average ($38.05). Across its 52-week range of $22.66 to $43.95, CMTV sits at the 95.1% percentile with a 14-day RSI of 50.9 (NEUTRAL RANGE) and an implied next-earnings move of ±5.8% ($40.42 to $45.40).

Direct Sub-Reports: CMTV RQD Cockpit CMTV 12M Forecast CMTV Earnings & Move CMTV Dividends & DRIP CMTV Insiders & 13F CMTV Whale Options CMTV Profit Sankey CMTV News & Why
ROARABLE RATING BRIEF • RQD 70/100 (B-) ✓ SEC XBRL & RQD VERIFIED

CMTV — Community Bancorp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Community Bancorp. (CMTV) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $42.91 (+2.18% 1D, market capitalization $235.2M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 14.9%, gross margin of —, operating margin of —, and free cash flow yield of 6.46%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (17/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Community Bancorp. (CMTV) is listed on NASDAQ and classified in the Financials sector, Major Banks industry..2B. Per the market data, gross, operating, and net margins are each reported as 0%, which should be read as a data limitation rather than a verified operating result.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Community Bancorp. (CMTV) reported $540.8M in annual revenue (up from $524.6M in FY2024, +3.1% YoY) and $17.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($60.4M revenue, $13.4M net income) through FY2025, CMTV scaled operating cash flow to $16.0M and free cash flow to $15.3M, backed by $1.29B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B- • RQD 70/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.46% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $22.66 – $43.95 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.9x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks therefore cannot be mapped from the provided sources. The only sector-level context available is the classification as Financials / Major Banks.

  • Key Question #1: Can CMTV sustain or expand its — operating margin and 14.9% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $540.8M and free cash flow of $15.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CMTV's 12.9x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CMTV Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Community Bancorp. (CMTV) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CMTV Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CMTV Bull vs. Bear Conversation Board — What's Your Call at $42.91?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CMTV 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CMTV:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $55.43 (+32.0%)
📌 Pinned Debate

Insider Conviction (17/20) and Macro Regime Fit (17/20) are the rating's strongest pillars, supported by FCF yield of 6.46% and a forwa

Long CMTV at $41.99 targeting $55.43. Insider Conviction (17/20) and Macro Regime Fit (17/20) are the rating's strongest pillars, supported by FCF yield of 6.46% and a forward P/E of 12.9.. Institutional whale score is 11/20 and the risk/reward vs. the $22.66 52-week low is skewed heavily in favor of bulls.

SectorRotator 🐂 BULL

@CashFlowKing Agree on the RQD 70/100 quality, though with 1.0 beta I'm scaling in with half-size at $41.99 and keeping dry powder in case we test $39.05.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $33.59 (-20.0%)
Spot @ $41.99

Whale 13F Flow scores only 11/20 and the Piotroski F-Score is 4/9, while the price of $42.19 sits near the top of its $22.66 - $43.95 5

Fading this rally in CMTV at $41.99. Whale 13F Flow scores only 11/20 and the Piotroski F-Score is 4/9, while the price of $42.19 sits near the top of its $22.66 - $43.95 52-week range.. With a beta of 1.0 and the stock sitting at $41.99 (52-wk range $22.66–$43.95), the easy multiple expansion is already priced in.

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