Company profile

Ticker
CMTV
Exchange
CEO
Kathryn M. Austin
Employees
Incorporated in
Location
Fiscal year end
Industry (SEC)
SEC CIK
IRS number
30284070

CMTV stock data

(
)

Calendar

11 May 20
14 Jul 20
31 Dec 20

News

Company financial data Financial data

Quarter (USD) Mar 20 Dec 19 Sep 19 Jun 19
Revenue 7.77M 7.89M 7.91M 8.26M
Net income 1.86M 2.37M 2.26M 2.42M
Net profit margin 23.95% 30.05% 28.61% 29.28%
Annual (USD) Dec 19 Dec 18 Dec 17 Dec 16
Revenue 31.76M 29.11M 26.44M 24.25M
Net income 8.82M 8.4M 6.23M 5.48M
Net profit margin 27.79% 28.84% 23.57% 22.62%

Financial data from company earnings reports

Date Owner Security Transaction Code 10b5-1 $Price #Shares $Value #Remaining
25 Jun 20 Oeschger Frederic Community Bancorp. Common Stock Gift Dispose G No 0 4,200 0 95,482.482
4 Jun 20 Oeschger Frederic Community Bancorp. Common Stock Buy Aquire P No 13.5 30 405 99,622.482
4 Jun 20 Oeschger Frederic Community Bancorp. Common Stock Buy Aquire P No 13.5 60 810 99,682.482
27 May 20 Oeschger Frederic Community Bancorp. Common Stock Buy Aquire P No 12.2 2,335 28.49K 99,592.482
27 May 20 Oeschger Frederic Community Bancorp. Common Stock Buy Aquire P No 12.15 300 3.65K 97,257.482
27 May 20 Oeschger Frederic Community Bancorp. Common Stock Buy Aquire P No 12.15 300 3.65K 96,957.482
27 May 20 Oeschger Frederic Community Bancorp. Common Stock Buy Aquire P No 12.1 100 1.21K 96,657.482
14 May 20 Oeschger Frederic Community Bancorp. Common Stock Buy Aquire P No 12 750 9K 96,557.482
13 May 20 Oeschger Frederic Community Bancorp. Common Stock Buy Aquire P No 12 200 2.4K 95,793.482
12 May 20 Oeschger Frederic Community Bancorp. Common Stock Buy Aquire P No 12 425 5.1K 95,593.482
13F holders
Current Prev Q Change
Total holders 0 0
Opened positions 0 0
Closed positions 0 0
Increased positions 0 0
Reduced positions 0 0
13F shares
Current Prev Q Change
Total value 0 0
Total shares 0 0
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
Largest transactions
Shares Bought/sold Change

Financial report summary

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Competition
New Hampshire
Risks
  • Our common stock is not exchange-listed and our trading volume is less than that of larger public companies, which can contribute to volatility in our stock price and adversely affect the price and liquidity of an investment in our common stock.
  • Our ability to pay dividends on our capital stock and to service our debt depends primarily on dividends from our subsidiary and may be subject to regulatory and contractual limitations.
  • Our common stock is subordinate to our existing and future indebtedness and preferred stock.
  • Securities issued by us, including our common stock, are not FDIC insured.
  • Our organizational documents may have the effect of discouraging a third party from acquiring us.
  • Changes in interest rates could adversely affect our business, results of operations and financial condition.
  • We are subject to liquidity risk because we rely primarily on deposit-gathering to satisfy our funding needs.
  • We are subject to credit risk and if our ALL is not adequate to cover actual losses, our earnings could decrease.
  • Prepayments of loans may negatively impact our business.
  • Our loans and deposits are geographically concentrated and adverse local economic conditions could negatively affect our business.
  • Our banking business is highly regulated, and we may be adversely affected by changes in law and regulation.
  • The requirement to record certain assets and liabilities at fair value may adversely affect our financial results.
  • Market changes in delivery of financial services may adversely affect demand for our services.
  • Substantial competition could adversely affect us.
  • Systems failures, interruptions, cyberattacks or other breaches of information security could disrupt our business and have an adverse effect on our business, results of operations and financial condition.
  • We depend on the accuracy and completeness of information about customers and counterparties.
  • New products and services are essential to remain competitive but may subject us to additional risks.
  • Changes in accounting standards could materially affect our financial statements.
  • Our internal controls and procedures may fail or be circumvented.
  • Changes in our tax rates could affect our future results.
  • Our business could suffer if we fail to attract and retain skilled personnel.
  • Environmental liability associated with our lending activities could result in losses.
  • We are subject to detailed capital requirements and cannot ensure that we will qualify for simplified capital calculations in any future period.
  • We may be required to write down goodwill and other identifiable intangible assets.
  • We are not able to offer all of the financial services and products of a financial holding company.
Management Discussion
  • Net income for the first quarter of 2020 was $1,861,239, or $0.35 per common share, compared to $1,771,905, or $0.34 per common share, for the same quarter of 2019. Core earnings (NII) for the first quarter of 2020 increased $135,931, or 2.2%, compared to the same quarter in 2019. The loan mix continued to shift in favor of higher yielding commercial loans, while the deposit mix experienced an increase in non-maturity deposits, both of which have benefited the Company’s net interest income. Interest paid on deposits, which is the major component of total interest expense, decreased $33,423, or 2.6%, for the first quarter of 2020 compared to the same quarter of 2019, reflecting the decreases in short-term rates.
Content analysis ?
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Legalese
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