Comparing Community Bancorp (OTCMKTS:CMTV) and Pacific Valley Bancorp (OTCMKTS:PVBK)

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

Risk & Volatility

Pacific Valley Bancorp has a beta of 0.35, meaning that its stock price is 65% less volatile than the S&P 500. Comparatively, Community Bancorp has a beta of 0.34, meaning that its stock price is 66% less volatile than the S&P 500.

Profitability

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

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

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pacific Valley Bancorp	$27.51 million	1.70	$4.85 million	$0.97	9.78
Community Bancorp	$54.08 million	1.76	$13.43 million	N/A	N/A

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

Insider & Institutional Ownership

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

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Pacific Valley Bancorp and Community Bancorp, as provided by MarketBeat.com.

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

Summary

Community Bancorp beats Pacific Valley Bancorp on 7 of the 9 factors compared between the two stocks.

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.

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.