CBK
Commercial Bancgroup, Inc. Common Stock
Banks
Market Cap$422M
5Y Perf.+3.9%
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Side-by-side financial analysisCBK
HOMB
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Stock Comparison
CBK vs HOMB
Revenue, margins, valuation, and 5-year total return — side by side.
HOMB
Home Bancshares, Inc.
Banks - Regional
Market Cap$5.58B
5Y Perf.+1.6%
CBK vs HOMB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  CBK |  HOMB |
|---|---|---|
| Industry | Banks | Banks - Regional |
| Market Cap | $422M | $5.58B |
| Revenue (TTM) | $129M | $1.37B |
| Net Income (TTM) | $38M | $475M |
| Gross Margin | 69.8% | 77.3% |
| Operating Margin | 37.5% | 43.8% |
| Forward P/E | 10.5x | 11.5x |
| Total Debt | $167M | $935M |
| Cash & Equiv. | $0.00 | $667M |
Quick Verdict: CBK vs HOMB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CBK leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Home Bancshares, Inc. is the stronger pick specifically for dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
🥇CBK emerged as the overall leader. Track its performance:
CBK
Commercial Bancgroup, Inc. Common Stock
The Banking Pick
CBK carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth -1.3%, EPS growth 15.0%
- Lower volatility, beta 0.50, Low D/E 58.5%, current ratio 0.14x
- Beta 0.50, yield 0.5%, current ratio 0.14x
Best for: growth exposure and sleep-well-at-night
HOMB
Home Bancshares, Inc.
The Banking Pick
HOMB is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 15 yrs, beta 0.66, yield 2.8%
- 57.7% 10Y total return vs CBK's 21.6%
- NIM 3.8% vs CBK's 3.5%
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  CBK | -1.3% NII/revenue growth vs HOMB's -5.3% |
| Value | CBK | Lower P/E (10.5x vs 11.5x) |
| Quality / Margins | CBK | Efficiency ratio 0.3% vs HOMB's 0.3% (lower = leaner) |
| Stability / Safety | CBK | Beta 0.50 vs HOMB's 0.66 |
| Dividends |  HOMB | 2.8% yield, 15-year raise streak, vs CBK's 0.5% |
| Momentum (1Y) | CBK | +21.6% vs HOMB's +3.0% |
| Efficiency (ROA) | CBK | Efficiency ratio 0.3% vs HOMB's 0.3% |
CBK vs HOMB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
CBK vs HOMB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLHOMBLAGGINGCBK
CBKCommercial Bancgroup,…
1leads
HOMBHome Bancshares, Inc.
4leads
6 Total Categories
CATEGORYLEADERvs CBKMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HOMB4/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HOMB5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
HOMB4/6
Risk & VolatilityBeta, volatility, and downside exposure
CBK2/2
Analyst OutlookRatings, price targets, and dividends
HOMB2/2
Income & Cash Flow (Last 12 Months)
HOMB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
HOMB is the larger business by revenue, generating $1.4B annually — 10.6x CBK's $129M. HOMB is the more profitable business, keeping 34.6% of every revenue dollar as net income compared to CBK's 29.3%.
| Metric | CBKCommercial Bancgr… | HOMBHome Bancshares, … |
|---|---|---|
| RevenueTrailing 12 months | $129M | $1.4B |
| EBITDAEarnings before interest/tax | $50M | $618M |
| Net IncomeAfter-tax profit | $38M | $475M |
| Free Cash FlowCash after capex | $37M | $311M |
| Gross MarginGross profit ÷ Revenue | +69.8% | +77.3% |
| Operating MarginEBIT ÷ Revenue | +37.5% | +43.8% |
| Net MarginNet income ÷ Revenue | +29.3% | +34.6% |
| FCF MarginFCF ÷ Revenue | +28.4% | +22.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +6.1% | +26.0% |
HOMB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
Evenly matched — CBK and HOMB each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 10.5x trailing earnings, CBK trades at a 10% valuation discount to HOMB's 11.7x P/E. On an enterprise value basis, HOMB's 9.5x EV/EBITDA is more attractive than CBK's 11.9x.
| Metric | CBKCommercial Bancgr… | HOMBHome Bancshares, … |
|---|---|---|
| Market CapShares × price | $422M | $5.6B |
| Enterprise ValueMkt cap + debt − cash | $589M | $5.9B |
| Trailing P/EPrice ÷ TTM EPS | 10.54x | 11.72x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.51x | 11.47x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.89x |
| EV / EBITDAEnterprise value multiple | 11.88x | 9.47x |
| Price / SalesMarket cap ÷ Revenue | 3.21x | 4.06x |
| Price / BookPrice ÷ Book value/share | 1.49x | 1.30x |
| Price / FCFMarket cap ÷ FCF | 11.97x | 11.58x |
Evenly matched — CBK and HOMB each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
HOMB leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
CBK delivers a 14.3% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $11 for HOMB. HOMB carries lower financial leverage with a 0.22x debt-to-equity ratio, signaling a more conservative balance sheet compared to CBK's 0.59x. On the Piotroski fundamental quality scale (0–9), HOMB scores 6/9 vs CBK's 5/9, reflecting solid financial health.
| Metric | CBKCommercial Bancgr… | HOMBHome Bancshares, … |
|---|---|---|
| ROE (TTM)Return on equity | +14.3% | +11.4% |
| ROA (TTM)Return on assets | +1.7% | +2.1% |
| ROICReturn on invested capital | +9.1% | +8.7% |
| ROCEReturn on capital employed | +5.8% | +11.5% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | 0.59x | 0.22x |
| Net DebtTotal debt minus cash | $167M | $268M |
| Cash & Equiv.Liquid assets | $0 | $667M |
| Total DebtShort + long-term debt | $167M | $935M |
| Interest CoverageEBIT ÷ Interest expense | 1.25x | 1.47x |
HOMB leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
HOMB leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in HOMB five years ago would be worth $12,212 today (with dividends reinvested), compared to $12,162 for CBK. Over the past 12 months, CBK leads with a +21.6% total return vs HOMB's +3.0%. The 3-year compound annual growth rate (CAGR) favors HOMB at 9.5% vs CBK's 6.7% — a key indicator of consistent wealth creation.
| Metric | CBKCommercial Bancgr… | HOMBHome Bancshares, … |
|---|---|---|
| YTD ReturnYear-to-date | +21.6% | +2.7% |
| 1-Year ReturnPast 12 months | +21.6% | +3.0% |
| 3-Year ReturnCumulative with dividends | +21.6% | +31.2% |
| 5-Year ReturnCumulative with dividends | +21.6% | +22.1% |
| 10-Year ReturnCumulative with dividends | +21.6% | +57.7% |
| CAGR (3Y)Annualised 3-year return | +6.7% | +9.5% |
HOMB leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
CBK leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CBK is the less volatile stock with a 0.50 beta — it tends to amplify market swings less than HOMB's 0.66 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CBK currently trades 97.2% from its 52-week high vs HOMB's 91.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CBKCommercial Bancgr… | HOMBHome Bancshares, … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.50x | 0.66x |
| 52-Week HighHighest price in past year | $31.67 | $30.83 |
| 52-Week LowLowest price in past year | $24.32 | $25.50 |
| % of 52W HighCurrent price vs 52-week peak | +97.2% | +91.6% |
| RSI (14)Momentum oscillator 0–100 | 66.3 | 63.7 |
| Avg Volume (50D)Average daily shares traded | 55K | 1.4M |
CBK leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
HOMB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, HOMB offers the higher dividend yield at 2.85% vs CBK's 0.47%.
| Metric | CBKCommercial Bancgr… | HOMBHome Bancshares, … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $31.50 |
| # AnalystsCovering analysts | — | 19 |
| Dividend YieldAnnual dividend ÷ price | +0.5% | +2.8% |
| Dividend StreakConsecutive years of raises | 0 | 15 |
| Dividend / ShareAnnual DPS | $0.14 | $0.80 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.2% | +1.5% |
HOMB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
HOMB leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). CBK leads in 1 (Risk & Volatility). 1 tied.
Best OverallHome Bancshares, Inc. (HOMB)Leads 4 of 6 categories
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CBK vs HOMB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CBK or HOMB a better buy right now?
For growth investors, Commercial Bancgroup, Inc.
Common Stock (CBK) is the stronger pick with -1. 3% revenue growth year-over-year, versus -5. 3% for Home Bancshares, Inc. (HOMB). Commercial Bancgroup, Inc. Common Stock (CBK) offers the better valuation at 10. 5x trailing P/E (10. 5x forward), making it the more compelling value choice. Analysts rate Home Bancshares, Inc. (HOMB) a "Hold" — based on 19 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CBK or HOMB?
On trailing P/E, Commercial Bancgroup, Inc.
Common Stock (CBK) is the cheapest at 10. 5x versus Home Bancshares, Inc. at 11. 7x. On forward P/E, Commercial Bancgroup, Inc. Common Stock is actually cheaper at 10. 5x.
03Which is the better long-term investment — CBK or HOMB?
Over the past 5 years, Home Bancshares, Inc.
(HOMB) delivered a total return of +22. 1%, compared to +21. 6% for Commercial Bancgroup, Inc. Common Stock (CBK). Over 10 years, the gap is even starker: HOMB returned +57. 7% versus CBK's +21. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CBK or HOMB?
By beta (market sensitivity over 5 years), Commercial Bancgroup, Inc.
Common Stock (CBK) is the lower-risk stock at 0. 50β versus Home Bancshares, Inc. 's 0. 66β — meaning HOMB is approximately 31% more volatile than CBK relative to the S&P 500. On balance sheet safety, Home Bancshares, Inc. (HOMB) carries a lower debt/equity ratio of 22% versus 59% for Commercial Bancgroup, Inc. Common Stock — giving it more financial flexibility in a downturn.
05Which is growing faster — CBK or HOMB?
By revenue growth (latest reported year), Commercial Bancgroup, Inc.
Common Stock (CBK) is pulling ahead at -1. 3% versus -5. 3% for Home Bancshares, Inc. (HOMB). On earnings-per-share growth, the picture is similar: Home Bancshares, Inc. grew EPS 19. 9% year-over-year, compared to 15. 0% for Commercial Bancgroup, Inc. Common Stock. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CBK or HOMB?
Home Bancshares, Inc.
(HOMB) is the more profitable company, earning 34. 6% net margin versus 28. 3% for Commercial Bancgroup, Inc. Common Stock — meaning it keeps 34. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HOMB leads at 43. 8% versus 36. 0% for CBK. At the gross margin level — before operating expenses — HOMB leads at 77. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CBK or HOMB more undervalued right now?
On forward earnings alone, Commercial Bancgroup, Inc.
Common Stock (CBK) trades at 10. 5x forward P/E versus 11. 5x for Home Bancshares, Inc. — 1. 0x cheaper on a one-year earnings basis.
08Which pays a better dividend — CBK or HOMB?
All stocks in this comparison pay dividends.
Home Bancshares, Inc. (HOMB) offers the highest yield at 2. 8%, versus 0. 5% for Commercial Bancgroup, Inc. Common Stock (CBK).
09Is CBK or HOMB better for a retirement portfolio?
For long-horizon retirement investors, Home Bancshares, Inc.
(HOMB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 66), 2. 8% yield). Both have compounded well over 10 years (HOMB: +57. 7%, CBK: +21. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CBK and HOMB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
HOMB pays a dividend while CBK does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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