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CMTV vs PMTS

CMTV
Community Bancorp
BULLISH
Price
$36.09
Market Cap
$202.3M
Sector
Financial Services
AI Confidence
75%
PMTS
CPI Card Group Inc.
BULLISH
Price
$17.89
Market Cap
$205.0M
Sector
Financial Services
AI Confidence
70%

Valuation

P/E Ratio
CMTV
11.99
PMTS
14.31
Forward P/E
CMTV
--
PMTS
5.17
P/B Ratio
CMTV
1.77
PMTS
-11.82
P/S Ratio
CMTV
4.27
PMTS
0.38
EV/EBITDA
CMTV
--
PMTS
6.74

Profitability

Gross Margin
CMTV
0.0%
PMTS
31.29%
Operating Margin
CMTV
43.54%
PMTS
9.28%
Profit Margin
CMTV
35.79%
PMTS
2.75%
ROE
CMTV
16.03%
PMTS
--
ROA
CMTV
1.34%
PMTS
9.11%

Growth

Revenue Growth
CMTV
14.0%
PMTS
22.3%
Earnings Growth
CMTV
13.6%
PMTS
9.7%

Financial Health

Debt/Equity
CMTV
--
PMTS
--
Current Ratio
CMTV
--
PMTS
2.44
Quick Ratio
CMTV
--
PMTS
1.39

Dividends

Dividend Yield
CMTV
2.97%
PMTS
--
Payout Ratio
CMTV
32.23%
PMTS
0.0%

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)
PMTS BULLISH

PMTS presents a classic deep-value opportunity, characterized by a stable Piotroski F-Score of 4/9 and a significant valuation gap between its current price ($17.89) and its intrinsic value ($26.94). While the negative Price/Book ratio indicates a precarious balance sheet with negative equity, the company's strong revenue growth (22.3%) and an exceptionally low Forward P/E of 5.17 suggest a recovery play. Recent short-term price momentum is positive, and analyst targets ($28.25) align with the growth-based intrinsic value. However, the lack of an Altman Z-Score and inconsistent earnings surprises necessitate a cautious approach to financial health.

Strengths
Significant undervaluation with a PEG ratio of 0.57
Strong top-line growth with 22.3% YoY revenue increase
Very low Forward P/E (5.17) compared to sector average (46.11)
Risks
Negative Price/Book ratio (-11.82) indicating negative shareholders' equity
Highly volatile earnings track record with only 1/4 beats in the last year
Bearish long-term technical trend (1Y change of -28.2%)

Compare Another Pair

CMTV vs PMTS: Head-to-Head Comparison

This page compares Community Bancorp (CMTV) and CPI Card Group Inc. (PMTS) 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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