Community Bancorp (OTCMKTS:CMTV) vs. City (NASDAQ:CHCO) Financial Review


Community Bancorp (OTCMKTS:CMTV – Get Rating) and City (NASDAQ:CHCO – Get Rating) are both small cap finance companies, but which stock is superior? We’ll compare the two companies based on earnings strength, risk, institutional ownership, profitability, analyst recommendations, valuation, and dividends.

Valuation and benefits

This chart compares the gross revenue, earnings per share (EPS), and valuation of Community Bancorp and City.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Community bank $41.53 million 2.94 $13.14 million $2.43 9.34
City $235.11 million 5.03 $88.08 million $5.83 1:45 p.m.

City has higher revenue and earnings than Community Bancorp. Community Bancorp trades at a lower price-to-earnings ratio than City, indicating that it is currently the more affordable of the two stocks.

Dividends

Community Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 4.1%. City pays an annual dividend of $2.40 per share and has a dividend yield of 3.1%. Community Bancorp pays 37.9% of its profits as a dividend. City pays 41.2% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. City have increased their dividend for 9 consecutive years. Community Bancorp is clearly the best dividend stock, given its higher yield and lower payout ratio.

Profitability

This table compares the net margins, return on equity and return on assets of Community Bancorp and City.

Net margins Return on equity return on assets
Community bank 31.64% 16.38% 1.36%
City 38.11% 13.06% 1.50%

Insider and Institutional Ownership

64.1% of City shares are held by institutional investors. 7.8% of Community Bancorp shares are held by insiders of the company. By comparison, 2.6% of City shares are held by company insiders. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a stock will outperform the market over the long term.

Risk and Volatility

Community Bancorp has a beta of 0.25, indicating that its stock price is 75% less volatile than the S&P 500. In comparison, City has a beta of 0.59, indicating that its stock price is 41% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for Community Bancorp and City, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Community bank 0 0 0 0 N / A
City 0 0 0 0 N / A

Summary

City beat Community Bancorp on 10 of the 14 factors compared between the two stocks.

Company Profile Community Bancorp (Get an evaluation)

Community Bancorp. operates as a bank holding company for Community National Bank which provides a range of retail banking services to residents, businesses, non-profit organizations and municipalities. It provides various consumer banking products and services, including checking accounts, savings programs, ATMs, debit/credit cards and overnight deposit facilities, as well as online, mobile and telephone banking. . The Company’s business banking products and services include credit products for various business purposes, including financing of commercial properties, equipment, inventory and accounts receivable, and letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, and remote deposit capture. It offers commercial real estate lending products to commercial developers and investors, residential builders and developers, and community development entities, which include credit products to facilitate the purchase of land and/or construction of structures for businesses, for investors to develop residential or commercial properties, and for secure real estate financing of existing businesses, as well as funding for startups and other small businesses. The Company’s residential real estate lending products include fixed and variable rate residential mortgages and home equity loans; personal lending products include personal, auto and boat/recreational vehicle loans; and municipal and institutional banking products and services for state and local governments, schools, charities, members and nonprofits include deposit accounts, tax-exempt loans, lines of credit and term loans, as well as a guarantee guarantee deposit products. It operates through a main office in Derby; and eleven branches in northeast and central Vermont. Community Bancorp was founded in 1851 and is headquartered in Derby, Vermont.

City Company Profile (Get an evaluation)

City Holding Company operates as a holding company for City National Bank of West Virginia which provides various banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings and money market accounts, as well as certificates of deposit and individual retirement accounts. It also grants commercial and industrial loans, which consist of loans to companies and other corporate borrowers, mainly in small and medium-sized industrial and commercial enterprises; commercial real estate loans including commercial mortgages, which are secured by non-residential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinancing of a residence; first priority home equity loans; consumer loans secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit and other personal property; and overdrafts on sight accounts. In addition, the Company offers mortgage banking services, including fixed and adjustable rate mortgages, construction financing, land lending, conventional and government insured mortgage origination, secondary marketing and service. Mortgages. Additionally, it provides custodial services for business customers including cash management, safe deposit box and other cash management services; merchant credit card services; wealth management, trust, investment and custodial services for commercial and retail clients; and corporate trust and institutional custodial, financial and estate planning, and retirement plan services, as well as automated banking machines, interactive banking machines, mobile banking, interactive voice response systems, and credit and debit cards. The company operates through a network of 94 branch offices and 905 full-time equivalent associates in West Virginia, Virginia, Kentucky and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.



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