Community Bancorp (CMTV) Fair Value 2026

CMTV · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.4 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (17/100)

Quick Summary — As of 2026-08-28, Community Bancorp (CMTV) trades at $40.92, versus a $26.99 median fair value across its 6 active models — 34.0% below the current price. QOC: 7.4/10. Value Trap Risk: 17/100 (SAFE). 6/13 models active.

Key Facts

Ticker
CMTV
Price
$40.92
Quality Score
7.4/10
Value Trap Risk
17/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Community Bancorp (CMTV) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Community Bancorp (CMTV) appears overvalued as of : the median of 6 independent fair value estimates is $26.99, 34.0% below the current price of $40.92. Estimates range from $13.19 to $50.54. CMTV scores 7.4/10 on fundamental quality and 17/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. CMTV’s -34.0% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Community Bancorp Stock in 2026? →

What Fair Value Does Each Model Give CMTV?

6 Intrinsic Value Models vs. Current Price ($40.92)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $27.39 -33.1%
Ensemble · Medium Conviction
 $26.60 -35.0%
Intrinsic · High Conviction
 $13.19 -67.8%
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What Is CMTV's Fair Value Range?

Spread across 6 independent models · $13.19 to $50.54

CirclFi's 6 active models place Community Bancorp (CMTV) between $13.19 and $50.54 per share, a spread of 138% of the median. The median of that range — $26.99 — is the fair value CirclFi publishes for CMTV, against a current price of $40.92.

Low · Markov DDMHigh · ML-RIV
$13.19median $26.99$50.54
Where the range comes from
Most bearish modelMarkov DDM$13.19
Most bullish modelML Residual Income$50.54
Model agreement1 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for CMTV. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on CMTV, not a CirclFi price target. How each model works →

What Is Community Bancorp (CMTV) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Community Bancorp's intrinsic value is estimated at $26.99. Trading at its current price of $40.92, the valuation engine raises significant caution: 5 of 6 models flag downside risk, projecting a median implied return of -34.0%. Model dispersion is worth noting: ML-RIV targets $50.54 (+23.5%), versus Markov DDM at $13.19 (-67.8%). This +91.3% range highlights the importance of multi-model analysis rather than relying on any single methodology. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About CMTV?

6 of 13 models are currently active for CMTV. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for CMTV is $26.99 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CMTV Rank in Banks - Regional?

Among 352 Banks - Regional stocks, CMTV ranks #268 by Quality of Company score. CirclFi's QOC score of 7.4/10 evaluates 32 fundamental signals. A score of 7.4 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Community Bancorp's positioning within the Banks - Regional segment means that non-performing loan ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including credit quality trends — shape both the opportunity set and risk profile.

Is CMTV a Value Trap?

CirclFi's Value Trap algorithm assigns CMTV a score of 17/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Community Bancorp. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Community Bancorp earns a quality score of 7.4/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +91.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CMTV valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CMTV's 6 active models, average confidence is 46%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Community Bancorp Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

BSRRSierra BancorpQOC 7.4HOPEHope Bancorp, Inc.QOC 7.4RBBRBB BancorpQOC 7.5OCFCOceanFirst Financial Corp.QOC 7.4TFINTriumph Financial, Inc.QOC 7.5CLBKColumbia Financial, Inc.QOC 7.4OFGOFG BancorpQOC 9.0OBKOrigin Bancorp, Inc.QOC 8.4CZFSCitizens Financial Services, Inc.QOC 8.0STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: BSRR · HOPE · RBB · OCFC · TFIN · CLBK · OFG · OBK · CZFS · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to CMTV?

7 companies across all industries closest to CMTV’s Quality of Company score of 7.4/10.

SLPSimulations Plus, Inc.QOC 7.4XPEVXPeng Inc.QOC 7.4INGING Groep N.V.QOC 7.4ENICEnel Chile S.A.QOC 7.4DARDarling Ingredients Inc.QOC 7.4RVTYRevvity, Inc.QOC 7.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SLP · XPEV · ING · ENIC · DAR · RVTY · NVDA

Where Does CMTV Sit in CirclFi's Banks - Regional Rankings?

CMTV is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Community Bancorp’s Valuation?

What is Community Bancorp's intrinsic value in 2026?

CirclFi puts Community Bancorp (CMTV)'s intrinsic value at $26.99 — the median of 6 independent model estimates as of 2026-08-28, ranging from $13.19 to $50.54. The Quality of Company score is 7.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CMTV overvalued or undervalued right now?

At $40.92, 1 of 6 active models suggest CMTV may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $26.99, 34.0% below the current price of $40.92 — a consensus view that CMTV is overvalued. The assessment depends on which methodology best fits Community Bancorp's business model in Banks - Regional.

What does a Quality of Company score of 7.4 mean for CMTV?

Community Bancorp's QOC of 7.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CMTV?

CirclFi analyzes CMTV with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CMTV?

Of the 6 models currently active on CMTV, ML Residual Income is the most bullish at $50.54 per share, and Markov DDM is the most bearish at $13.19. CirclFi's published fair value for CMTV is the median of that range, $26.99, not either extreme. The gap between the two ends equals 138% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is CMTV a value trap in 2026?

Community Bancorp's Value Trap score is 17/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Community Bancorp (CMTV) has a median fair value of $26.99 — 34.0% below the current price of $40.92 — as of 2026-08-28.” Source: circlfi.com/stock/CMTV/ · Methodology
Primary sources for this CMTV valuation
  • Financial statements: Community Bancorp 10-K and 10-Q filings on SEC EDGAR (CIK 0000718413) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CMTV as of ; valuations recomputed .

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