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CMTV vs INBK

CMTV
Community Bancorp
BULLISH
Price
$36.09
Market Cap
$202.3M
Sector
Financial Services
AI Confidence
75%
INBK
First Internet Bancorp
BEARISH
Price
$23.14
Market Cap
$201.7M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CMTV
11.99
INBK
--
Forward P/E
CMTV
--
INBK
4.88
P/B Ratio
CMTV
1.77
INBK
0.56
P/S Ratio
CMTV
4.27
INBK
4.57
EV/EBITDA
CMTV
--
INBK
--

Profitability

Gross Margin
CMTV
0.0%
INBK
0.0%
Operating Margin
CMTV
43.54%
INBK
23.78%
Profit Margin
CMTV
35.79%
INBK
-79.64%
ROE
CMTV
16.03%
INBK
-9.46%
ROA
CMTV
1.34%
INBK
-0.62%

Growth

Revenue Growth
CMTV
14.0%
INBK
-8.0%
Earnings Growth
CMTV
13.6%
INBK
-28.0%

Financial Health

Debt/Equity
CMTV
--
INBK
--
Current Ratio
CMTV
--
INBK
--
Quick Ratio
CMTV
--
INBK
--

Dividends

Dividend Yield
CMTV
2.97%
INBK
1.04%
Payout Ratio
CMTV
32.23%
INBK
13.64%

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)
INBK BEARISH

The deterministic health profile is severely compromised, headlined by a Piotroski F-Score of 2/9, indicating weak financial health and deteriorating fundamentals. While the stock trades at a deep discount to book value (P/B 0.56) and has an attractive forward P/E of 4.88, these valuation metrics are likely 'value traps' given the negative ROE (-9.46%) and a staggering profit margin of -79.64%. Despite a recent short-term price rally and bullish analyst recommendations, the underlying data shows declining YoY revenue and earnings growth coupled with significant earnings misses.

Strengths
Deeply undervalued relative to book value (P/B 0.56)
Very low forward P/E ratio of 4.88
Positive short-term price momentum (1M +18.1%)
Risks
Critical financial health failure (Piotroski F-Score 2/9)
Severe lack of profitability with a -79.64% profit margin
Negative Return on Equity (ROE) of -9.46%

Compare Another Pair

CMTV vs INBK: Head-to-Head Comparison

This page compares Community Bancorp (CMTV) and First Internet Bancorp (INBK) 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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