Community Bancorp (OTCMKTS:CMTV) vs. Pacific Valley Bancorp (OTCMKTS:PVBK) Financial Analysis

Community Bancorp (OTCMKTS:CMTV) and Pacific Valley Bancorp (OTCMKTS:PVBK) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, valuation, earnings, profitability, analyst recommendations, dividends and risk.

Valuation and Earnings

This table compares Community Bancorp and Pacific Valley Bancorp’s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Bancorp	$54.08 million	1.66	$13.43 million	N/A	N/A
Pacific Valley Bancorp	$27.51 million	1.66	$4.85 million	$0.97	9.60

Community Bancorp has higher revenue and earnings than Pacific Valley Bancorp.

Insider & Institutional Ownership

2.8% of Pacific Valley Bancorp shares are held by institutional investors. 9.3% of Community Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Risk & Volatility

Community Bancorp has a beta of 0.35, suggesting that its stock price is 65% less volatile than the S&P 500. Comparatively, Pacific Valley Bancorp has a beta of 0.35, suggesting that its stock price is 65% less volatile than the S&P 500.

Profitability

This table compares Community Bancorp and Pacific Valley Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Community Bancorp	21.48%	14.53%	1.13%
Pacific Valley Bancorp	15.89%	N/A	N/A

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Community Bancorp and Pacific Valley Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Bancorp	0	0	0	0	N/A
Pacific Valley Bancorp	0	0	0	0	N/A

Summary

Community Bancorp beats Pacific Valley Bancorp on 6 of the 8 factors compared between the two stocks.

About Community Bancorp

Community Bancorp. operates as the bank holding company for Community National Bank that provides financial services to individuals, businesses, nonprofit organizations, and municipalities in northern and central Vermont. It offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as standby letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, card processing, and remote deposit capture. The company also provides commercial real estate lending products, including financing for commercial developers and investors, residential builders and developers, and community development entities, including credit products to facilitate the purchase of land and/or build structures for business; to develop residential or commercial properties; and for real estate secured financing of existing businesses, as well as financing to startups and other small businesses. In addition, it offers residential real estate lending products, including fixed-rate and adjustable rate residential mortgage and home equity loans; and retail credit services, which includes personal, automobile, and boat/recreational vehicle loans. The company also provides municipal and institutional banking services, such as deposit account services, term and tax-exempt loans, and lines of credit to state and local governments, schools, charities, membership, and not-for-profit associations. Further, it offers consumer banking services, including checking accounts, savings programs, ATMs, debit and credit cards, night deposit facilities, and online, mobile and telephone banking services. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.

About Pacific Valley Bancorp

Pacific Valley Bancorp operates as the bank holding company for Pacific Valley Bank that provides various banking products and services in the United States. The company offers personal and business banking, including checking accounts, savings and money market accounts, and certificates of deposit; and online solutions, such as online and mobile banking, bill pay, remote deposit capture, positive pay, e-statements, and order checks. It also provides commercial or agriculture lines of credit, commercial or agriculture terms loans, commercial constructions loans, agriculture production lending, and government guaranteed loan programs; and debit card, incoming wire instructions, ATM locator, fraud prevention, identity theft, and FDIC insurance estimator services. The company was founded in 2004 and is headquartered in Salinas, California.