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CMTV vs HRZN

CMTV
Community Bancorp
BULLISH
Price
$36.09
Market Cap
$202.3M
Sector
Financial Services
AI Confidence
75%
HRZN
Horizon Technology Finance Corporation
BEARISH
Price
$4.52
Market Cap
$216.1M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CMTV
11.99
HRZN
--
Forward P/E
CMTV
--
HRZN
5.95
P/B Ratio
CMTV
1.77
HRZN
0.65
P/S Ratio
CMTV
4.27
HRZN
2.25
EV/EBITDA
CMTV
--
HRZN
--

Profitability

Gross Margin
CMTV
0.0%
HRZN
100.0%
Operating Margin
CMTV
43.54%
HRZN
78.47%
Profit Margin
CMTV
35.79%
HRZN
-2.77%
ROE
CMTV
16.03%
HRZN
-0.81%
ROA
CMTV
1.34%
HRZN
5.99%

Growth

Revenue Growth
CMTV
14.0%
HRZN
-12.2%
Earnings Growth
CMTV
13.6%
HRZN
--

Financial Health

Debt/Equity
CMTV
--
HRZN
1.49
Current Ratio
CMTV
--
HRZN
1.56
Quick Ratio
CMTV
--
HRZN
1.53

Dividends

Dividend Yield
CMTV
2.97%
HRZN
25.66%
Payout Ratio
CMTV
32.23%
HRZN
224.56%

AI Verdict

CMTV BULLISH

CMTV shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 12.0
Strong profitability (35.8% margin)
Strong ROE of 16.0%
Risks
Weak financial trend (Piotroski F-Score: 3/9)
HRZN BEARISH

HRZN exhibits severe financial deterioration, highlighted by a weak Piotroski F-Score of 2/9 and a bearish technical trend of 0/100. While the stock trades at a discount to book value (P/B 0.65), this is offset by negative revenue growth (-12.20%) and a catastrophic dividend payout ratio of 224.56%. The company is effectively paying out more than it earns, signaling an imminent dividend cut. Despite a modest analyst target of $5.50, the fundamental trajectory is sharply negative.

Strengths
Trading significantly below book value (P/B 0.65)
Low forward P/E ratio of 5.95
Positive Return on Assets (ROA) of 5.99%
Risks
Unsustainable dividend payout ratio (224.56%) indicating a high risk of dividend cuts
Weak financial health as evidenced by a Piotroski F-Score of 2/9
Negative revenue growth (-12.20% YoY) and declining EPS

Compare Another Pair

CMTV vs HRZN: Head-to-Head Comparison

This page compares Community Bancorp (CMTV) and Horizon Technology Finance Corporation (HRZN) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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