CBK
Commercial Bancgroup, Inc. Common Stock
Banks
Market Cap$422M
5Y Perf.+3.9%
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SRCE
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Stock Comparison
CBK vs SRCE
Revenue, margins, valuation, and 5-year total return — side by side.
SRCE
1st Source Corporation
Banks - Regional
Market Cap$1.91B
5Y Perf.+10.0%
CBK vs SRCE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  CBK |  SRCE |
|---|---|---|
| Industry | Banks | Banks - Regional |
| Market Cap | $422M | $1.91B |
| Revenue (TTM) | $129M | $580M |
| Net Income (TTM) | $38M | $161M |
| Gross Margin | 69.8% | 55.4% |
| Operating Margin | 37.5% | 27.1% |
| Forward P/E | 10.5x | 11.6x |
| Total Debt | $167M | $341M |
| Cash & Equiv. | $0.00 | $69M |
Quick Verdict: CBK vs SRCE
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CBK leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. 1st Source Corporation is the stronger pick specifically for growth and revenue expansion and 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 sleep-well-at-night.
- Lower volatility, beta 0.50, Low D/E 58.5%, current ratio 0.14x
- Lower P/E (10.5x vs 11.6x)
- Efficiency ratio 0.3% vs SRCE's 0.4% (lower = leaner)
Best for: sleep-well-at-night
SRCE
1st Source Corporation
The Banking Pick
SRCE is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 9 yrs, beta 0.59, yield 2.0%
- Rev growth 5.2%, EPS growth 20.5%
- 176.3% 10Y total return vs CBK's 21.6%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  SRCE | 5.2% NII/revenue growth vs CBK's -1.3% |
| Value |  CBK | Lower P/E (10.5x vs 11.6x) |
| Quality / Margins | CBK | Efficiency ratio 0.3% vs SRCE's 0.4% (lower = leaner) |
| Stability / Safety | CBK | Beta 0.50 vs SRCE's 0.59 |
| Dividends | SRCE | 2.0% yield, 9-year raise streak, vs CBK's 0.5% |
| Momentum (1Y) | SRCE | +29.3% vs CBK's +21.6% |
| Efficiency (ROA) | CBK | Efficiency ratio 0.3% vs SRCE's 0.4% |
CBK vs SRCE — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
CBK vs SRCE — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLSRCELAGGINGCBK
CBKCommercial Bancgroup,…
2leads
SRCE1st Source Corporation
3leads
6 Total Categories
CATEGORYLEADERvs CBKMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CBK4/5
Valuation MetricsMultiples, price ratios, and targets
SRCE4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CBK5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
SRCE6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
SRCE2/2
Income & Cash Flow (Last 12 Months)
CBK leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
SRCE is the larger business by revenue, generating $580M annually — 4.5x CBK's $129M. Profitability is closely matched — net margins range from 29.3% (CBK) to 27.7% (SRCE).
| Metric | CBKCommercial Bancgr… | SRCE1st Source Corpor… |
|---|---|---|
| RevenueTrailing 12 months | $129M | $580M |
| EBITDAEarnings before interest/tax | $50M | $163M |
| Net IncomeAfter-tax profit | $38M | $161M |
| Free Cash FlowCash after capex | $37M | $152M |
| Gross MarginGross profit ÷ Revenue | +69.8% | +55.4% |
| Operating MarginEBIT ÷ Revenue | +37.5% | +27.1% |
| Net MarginNet income ÷ Revenue | +29.3% | +27.7% |
| FCF MarginFCF ÷ Revenue | +28.4% | +26.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +6.1% | +7.2% |
CBK leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
SRCE leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 10.5x trailing earnings, CBK trades at a 13% valuation discount to SRCE's 12.2x P/E. On an enterprise value basis, SRCE's 10.2x EV/EBITDA is more attractive than CBK's 11.9x.
| Metric | CBKCommercial Bancgr… | SRCE1st Source Corpor… |
|---|---|---|
| Market CapShares × price | $422M | $1.9B |
| Enterprise ValueMkt cap + debt − cash | $589M | $2.2B |
| Trailing P/EPrice ÷ TTM EPS | 10.54x | 12.15x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.51x | 11.57x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.79x |
| EV / EBITDAEnterprise value multiple | 11.88x | 10.19x |
| Price / SalesMarket cap ÷ Revenue | 3.21x | 3.18x |
| Price / BookPrice ÷ Book value/share | 1.49x | 1.45x |
| Price / FCFMarket cap ÷ FCF | 11.97x | 8.97x |
SRCE leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
CBK 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 $12 for SRCE. SRCE carries lower financial leverage with a 0.26x debt-to-equity ratio, signaling a more conservative balance sheet compared to CBK's 0.59x. On the Piotroski fundamental quality scale (0–9), SRCE scores 8/9 vs CBK's 5/9, reflecting strong financial health.
| Metric | CBKCommercial Bancgr… | SRCE1st Source Corpor… |
|---|---|---|
| ROE (TTM)Return on equity | +14.3% | +12.4% |
| ROA (TTM)Return on assets | +1.7% | +1.8% |
| ROICReturn on invested capital | +9.1% | +9.7% |
| ROCEReturn on capital employed | +5.8% | +4.0% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 8 |
| Debt / EquityFinancial leverage | 0.59x | 0.26x |
| Net DebtTotal debt minus cash | $167M | $271M |
| Cash & Equiv.Liquid assets | $0 | $69M |
| Total DebtShort + long-term debt | $167M | $341M |
| Interest CoverageEBIT ÷ Interest expense | 1.25x | 0.98x |
CBK leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
SRCE leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SRCE five years ago would be worth $17,500 today (with dividends reinvested), compared to $12,162 for CBK. Over the past 12 months, SRCE leads with a +29.3% total return vs CBK's +21.6%. The 3-year compound annual growth rate (CAGR) favors SRCE at 22.0% vs CBK's 6.7% — a key indicator of consistent wealth creation.
| Metric | CBKCommercial Bancgr… | SRCE1st Source Corpor… |
|---|---|---|
| YTD ReturnYear-to-date | +21.6% | +27.0% |
| 1-Year ReturnPast 12 months | +21.6% | +29.3% |
| 3-Year ReturnCumulative with dividends | +21.6% | +81.8% |
| 5-Year ReturnCumulative with dividends | +21.6% | +75.0% |
| 10-Year ReturnCumulative with dividends | +21.6% | +176.3% |
| CAGR (3Y)Annualised 3-year return | +6.7% | +22.0% |
SRCE leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — CBK and SRCE each lead in 1 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 SRCE's 0.59 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | CBKCommercial Bancgr… | SRCE1st Source Corpor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.50x | 0.59x |
| 52-Week HighHighest price in past year | $31.67 | $78.80 |
| 52-Week LowLowest price in past year | $24.32 | $56.89 |
| % of 52W HighCurrent price vs 52-week peak | +97.2% | +99.6% |
| RSI (14)Momentum oscillator 0–100 | 66.3 | 68.9 |
| Avg Volume (50D)Average daily shares traded | 55K | 122K |
Evenly matched — CBK and SRCE each lead in 1 of 2 comparable metrics.
Analyst Outlook
SRCE leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, SRCE offers the higher dividend yield at 2.01% vs CBK's 0.47%.
| Metric | CBKCommercial Bancgr… | SRCE1st Source Corpor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $81.00 |
| # AnalystsCovering analysts | — | 4 |
| Dividend YieldAnnual dividend ÷ price | +0.5% | +2.0% |
| Dividend StreakConsecutive years of raises | 0 | 9 |
| Dividend / ShareAnnual DPS | $0.14 | $1.58 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.2% | +0.7% |
SRCE leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
SRCE leads in 3 of 6 categories (Valuation Metrics, Total Returns). CBK leads in 2 (Income & Cash Flow, Profitability & Efficiency). 1 tied.
Best Overall1st Source Corporation (SRCE)Leads 3 of 6 categories
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CBK vs SRCE: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CBK or SRCE a better buy right now?
For growth investors, 1st Source Corporation (SRCE) is the stronger pick with 5.
2% revenue growth year-over-year, versus -1. 3% for Commercial Bancgroup, Inc. Common Stock (CBK). 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 1st Source Corporation (SRCE) a "Hold" — based on 4 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 SRCE?
On trailing P/E, Commercial Bancgroup, Inc.
Common Stock (CBK) is the cheapest at 10. 5x versus 1st Source Corporation at 12. 2x. On forward P/E, Commercial Bancgroup, Inc. Common Stock is actually cheaper at 10. 5x.
03Which is the better long-term investment — CBK or SRCE?
Over the past 5 years, 1st Source Corporation (SRCE) delivered a total return of +75.
0%, compared to +21. 6% for Commercial Bancgroup, Inc. Common Stock (CBK). Over 10 years, the gap is even starker: SRCE returned +176. 3% 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 SRCE?
By beta (market sensitivity over 5 years), Commercial Bancgroup, Inc.
Common Stock (CBK) is the lower-risk stock at 0. 50β versus 1st Source Corporation's 0. 59β — meaning SRCE is approximately 17% more volatile than CBK relative to the S&P 500. On balance sheet safety, 1st Source Corporation (SRCE) carries a lower debt/equity ratio of 26% versus 59% for Commercial Bancgroup, Inc. Common Stock — giving it more financial flexibility in a downturn.
05Which is growing faster — CBK or SRCE?
By revenue growth (latest reported year), 1st Source Corporation (SRCE) is pulling ahead at 5.
2% versus -1. 3% for Commercial Bancgroup, Inc. Common Stock (CBK). On earnings-per-share growth, the picture is similar: 1st Source Corporation grew EPS 20. 5% 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 SRCE?
Commercial Bancgroup, Inc.
Common Stock (CBK) is the more profitable company, earning 28. 3% net margin versus 26. 4% for 1st Source Corporation — meaning it keeps 28. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CBK leads at 36. 0% versus 34. 2% for SRCE. At the gross margin level — before operating expenses — SRCE leads at 70. 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 SRCE more undervalued right now?
On forward earnings alone, Commercial Bancgroup, Inc.
Common Stock (CBK) trades at 10. 5x forward P/E versus 11. 6x for 1st Source Corporation — 1. 1x cheaper on a one-year earnings basis.
08Which pays a better dividend — CBK or SRCE?
All stocks in this comparison pay dividends.
1st Source Corporation (SRCE) offers the highest yield at 2. 0%, versus 0. 5% for Commercial Bancgroup, Inc. Common Stock (CBK).
09Is CBK or SRCE better for a retirement portfolio?
For long-horizon retirement investors, 1st Source Corporation (SRCE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
59), 2. 0% yield, +176. 3% 10Y return). Both have compounded well over 10 years (SRCE: +176. 3%, 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 SRCE?
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.
SRCE 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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