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Commercial Bancgroup, Inc. Common Stock(CBK)Earnings, Financials & Key Ratios
CBK•NASDAQ•Banking & Credit
10.5× P/E·Price updated Jun 13, 2026
- Net Interest Income$80M+3.7%
- Total Revenue$132M-1.3%
- Net Income$37M+18.4%
- Return on Equity14.72%-2.5%
- Net Interest Margin3.51%+4.1%
- Efficiency Ratio32.3%-4.9%
- ROA1.62%+16.0%
- Equity / Assets12.44%+30.0%
- Book Value per Share20.61+15.7%
- Tangible BV/Share19.68+18.0%
- Debt/Equity0.59+18.1%
CBK Key Insights
Commercial Bancgroup, Inc. Common Stock (CBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong NIM of 3.5%
- ✓Efficient operations: 32.3% efficiency ratio
- ✓Well capitalized: 12.4% equity/assets
- ✓Good 3Y average ROE of 15.2%
- ✓Trading near 52-week high
- ✓Trading at only 1.5x book value
✗Weaknesses
- ✗Shares diluted 11.9% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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CBK Price & Volume
Commercial Bancgroup, Inc. Common Stock (CBK) stock price & volume — 10-year historical chart
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CBK Growth Metrics
Commercial Bancgroup, Inc. Common Stock (CBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years-
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-
Return on Capital
10 Years9.28%
5 Years9.28%
3 Years9.28%
Last Year5.78%
CBK Recent Earnings
Commercial Bancgroup, Inc. Common Stock (CBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/10 qtrs (50%)●Beat Revenue 3/10 qtrs (75%)
Q3 2026Latest
Jun 3, 2026EPS
$0.70
Est $0.70
-0.1%
Revenue
$31M
Est $24M
+28.5%
Q2 2026
Apr 27, 2026EPS
$0.73
Est $0.68
+7.4%
Revenue
$23M
Est $23M
+1.6%
Q1 2026
Jan 26, 2026EPS
$0.72
Est $0.72
+0.6%
Revenue
$23M
Est $23M
+0.8%
Q4 2025
Oct 27, 2025EPS
$0.77
Est $0.82
-6.1%
Revenue
$23M
Est $23M
-2.4%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q3 2026Latest | Jun 3, 2026 | $0.70vs $0.70-0.1% | $31Mvs $24M+28.5% |
| Q2 2026 | Apr 27, 2026 | $0.73vs $0.68+7.4% | $23Mvs $23M+1.6% |
| Q1 2026 | Jan 26, 2026 | $0.72vs $0.72+0.6% | $23Mvs $23M+0.8% |
| Q4 2025 | Oct 27, 2025 | $0.77vs $0.82-6.1% | $23Mvs $23M-2.4% |
Based on last 10 quarters of dataView full earnings history →
CBK Peer Comparison
Commercial Bancgroup, Inc. Common Stock (CBK) competitors in industry — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SFNC | 3.27B | 22.51 | -7.63 | -56.66% | -64.33% | -11.48% | 0.19 | |
 HOMB | 5.58B | 28.25 | 11.72 | -5.35% | 34.59% | 11.43% | 0.22 | |
 SRCE | 1.91B | 78.52 | 12.15 | 5.2% | 27.72% | 12.39% | 0.26 | |
 FFIN | 4.83B | 33.65 | 19.01 | 11.71% | 30.71% | 14.16% | 0.01 | |
 BANF | 3.94B | 116.27 | 16.33 | -9.29% | 29.19% | 13.68% | 0.07 | |
 BOKF | 8.18B | 134.61 | 14.66 | -1.07% | 17.38% | 9.79% | 0.78 | |
 IBCP | 730.38M | 35.48 | 10.85 | -0.3% | 22.12% | 14.2% | 0.23 | |
 NBTB | 2.52B | 48.18 | 14.47 | 10.36% | 18.76% | 9.51% | 0.17 |
Compare CBK vs Peers
Commercial Bancgroup, Inc. Common Stock (CBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CBK Income Statement
Commercial Bancgroup, Inc. Common Stock (CBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|
Net Interest Income | 72.1M | 77.58M | 80.43M | 81.41M |
NII Growth % | - | 7.6% | 3.67% | 12.15% |
Net Interest Margin % | 3.28% | 3.37% | 3.51% | 3.5% |
Interest Income | 102.64M | 123.21M | 121.6M | 120.15M |
Interest Expense | 30.54M | 45.63M | 41.17M | 38.73M |
Loan Loss Provision | 3.27M | 1.83M | 150K | 271.97K |
Non-Interest Income | 9.57M | 10.12M | 9.93M | 9M |
Non-Interest Income % | 8.53% | 7.59% | 7.55% | 6.97% |
Total Revenue | 112.2M▲ 0% | 133.33M▲ 18.8% | 131.53M▼ 1.3% | 129.15M▲ 0% |
Revenue Growth % | - | 18.83% | -1.35% | -11.19% |
Non-Interest Expense | 38.7M | 45.3M | 42.48M | 41.73M |
Efficiency Ratio | 34.49% | 33.98% | 32.3% | 32.31% |
Operating Income | 39.69M▲ 0% | 40.57M▲ 2.2% | 47.42M▲ 16.9% | 48.42M▲ 0% |
Operating Margin % | 35.38% | 30.43% | 36.05% | 37.49% |
Operating Income Growth % | - | 2.22% | 16.87% | - |
Pretax Income | 39.69M▲ 0% | 40.57M▲ 2.2% | 47.42M▲ 16.9% | 48.42M▲ 0% |
Pretax Margin % | 35.38% | 30.43% | 36.05% | 37.49% |
Income Tax | 8.48M | 8.89M | 10.22M | 10.6M |
Effective Tax Rate % | 21.36% | 21.9% | 21.56% | 21.9% |
Net Income | 30.69M▲ 0% | 31.41M▲ 2.3% | 37.2M▲ 18.4% | 37.81M▲ 0% |
Net Margin % | 27.35% | 23.56% | 28.28% | 29.28% |
Net Income Growth % | - | 2.34% | 18.42% | - |
Net Income (Continuing) | 31.21M | 31.69M | 37.2M | 37.81M |
EPS (Diluted) | 2.51▲ 0% | 2.54▲ 1.2% | 2.92▲ 15.0% | 2.76▲ 0% |
EPS Growth % | - | 1.2% | 14.96% | - |
EPS (Basic) | 2.52 | 2.58 | 2.93 | - |
Diluted Shares Outstanding | 12.23M | 12.37M | 13.84M | 13.71M |
CBK Balance Sheet
Commercial Bancgroup, Inc. Common Stock (CBK) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|
Cash & Short Term Investments | 197.12M | 234.28M | 0 | 417.33M |
Cash & Due from Banks | 145.08M | 134.46M | 0 | 21.88M |
Short Term Investments | 52.04M | 99.82M | 0 | 0 |
Total Investments | 1.88B | 1.96B | 0 | 2.18B |
Investments Growth % | - | 4.49% | -100% | -88.89% |
Long-Term Investments | 1.83B | 1.87B | 0 | 5.89B |
Accounts Receivables | 8.24M | 7.19M | 0 | 0 |
Goodwill & Intangibles | 16.14M | 13.94M | 12.77M | 12.39M |
Goodwill | 8.51M | 8.51M | 0 | 8.51M |
Intangible Assets | 7.63M | 5.43M | 12.77M | 3.88M |
PP&E (Net) | 52.26M | 50.29M | 49.77M | 49.44M |
Other Assets | 94.21M | 129.31M | -63.96M | 52.13M |
Total Current Assets | 205.36M | 241.47M | 144.57M | 29.52M |
Total Non-Current Assets | 1.99B | 2.06B | 0 | 2.3B |
Total Assets | 2.2B▲ 0% | 2.3B▲ 4.8% | 2.29B▼ 0.4% | 2.33B▲ 0% |
Asset Growth % | - | 4.76% | -0.44% | 2.29% |
Return on Assets (ROA) | 1.4% | 1.4% | 1.62% | 1.66% |
Accounts Payable | 3.64M | 4.22M | 0 | 0 |
Total Debt | 149.26M | 109.16M | 166.84M | 118.25M |
Net Debt | 4.18M | -25.29M | 166.84M | 96.37M |
Long-Term Debt | 143.22M | 105.77M | 78.59M | 55.57M |
Short-Term Debt | 6.05M | 3.39M | 88.25M | 62.68M |
Other Liabilities | 28M | 28.97M | -78.59M | 1.92B |
Total Current Liabilities | 1.83B | 1.95B | 1.01B | 62.68M |
Total Non-Current Liabilities | 171.22M | 134.74M | 0 | 1.97B |
Total Liabilities | 2B | 2.08B | 2.01B | 2.04B |
Total Equity | 195.78M▲ 0% | 220.26M▲ 12.5% | 285.09M▲ 29.4% | 293.52M▲ 0% |
Equity Growth % | - | 12.5% | 29.44% | 59.21% |
Equity / Assets (Capital Ratio) | 8.91% | 9.57% | 12.44% | 12.6% |
Return on Equity (ROE) | 15.68% | 15.1% | 14.72% | 14.28% |
Book Value per Share | 16.01 | 17.81 | 20.61 | 21.41 |
Tangible BV per Share | 14.69 | 16.68 | 19.68 | 20.50 |
Common Stock | 122.12K | 121.13K | 137K | 136.98K |
Additional Paid-in Capital | 9.07M | 9.39M | 38.38M | 38.54M |
Retained Earnings | 182.9M | 212.31M | 247.25M | 255.67M |
Accumulated OCI | -1.72M | -1.56M | -675K | -825.04K |
Treasury Stock | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 |
CBK Cash Flow Statement
Commercial Bancgroup, Inc. Common Stock (CBK) cash flow — operating, investing & free cash flow history
| Metric | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|
Cash from Operations | 38.89M | 38.68M | 37.09M | 38.39M |
Operating CF Growth % | - | -0.54% | -4.09% | -0.19% |
Net Income | 31.21M | 31.69M | 37.2M | 37.81M |
Depreciation & Amortization | 3.54M | 4.59M | 0 | 691.32K |
Deferred Taxes | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 3.34M | 957.57K | 935.41K | 2.3M |
Working Capital Changes | 336.38K | -704.72K | -1.04M | -2.42M |
Cash from Investing | -127.96M | -84.93M | -32.66M | -47.54M |
Purchase of Investments | -16.65M | -47.27M | -134.95M | -67.59M |
Sale/Maturity of Investments | 35.36M | 81.31M | 174.06M | 120.77M |
Net Investment Activity | 18.71M | 34.04M | 39.11M | 53.17M |
Acquisitions | 7.97M | 0 | 288.21K | 223.81K |
Other Investing | -151.47M | -115.93M | -70.2M | -99.17M |
Cash from Financing | 183.1M | 68.51M | -38.31M | 27.06M |
Dividends Paid | -1.5M | -2M | -2M | -1.37M |
Share Repurchases | -2.11M | -1.83M | -980.8K | 71 |
Stock Issued | 3.89M | 0 | 29.86M | 29.86M |
Net Stock Activity | 1.78M | -1.83M | 28.88M | 29.86M |
Debt Issuance (Net) | 1000K | -1000K | 1000K | 2M |
Other Financing | 176.13M | 113.03M | -122.86M | -9.99M |
Net Change in Cash | 94.03M▲ 0% | 22.26M▼ 76.3% | 0▼ 100.0% | 4.29M▲ 0% |
Exchange Rate Effect | 0 | 0 | 33.88M | -13.61M |
Cash at Beginning | 61.91M | 155.94M | 0 | 0 |
Cash at End | 155.94M | 178.2M | 0 | 0 |
Interest Paid | 27.64M | 44.46M | 0 | 22.35M |
Income Taxes Paid | 6.8M | 9.75M | 0 | 7.82M |
Free Cash Flow | 35.72M▲ 0% | 35.63M▼ 0.2% | 35.23M▼ 1.1% | 36.62M▲ 0% |
FCF Growth % | - | -0.24% | -1.14% | - |
CBK Banking Ratios
Commercial Bancgroup, Inc. Common Stock (CBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2024 | 2025 | TTM |
|---|---|---|---|
| Return on Equity (ROE) | 15.1% | 14.72% | 14.28% |
| Return on Assets (ROA) | 1.4% | 1.62% | 1.66% |
| Net Interest Margin | 3.37% | 3.51% | 3.5% |
| Efficiency Ratio | 33.98% | 32.3% | 32.31% |
| Equity / Assets | 9.57% | 12.44% | 12.6% |
| Book Value / Share | 17.81 | 20.61 | 21.41 |
| NII Growth | 7.6% | 3.67% | - |
| Dividend Payout | 6.38% | 5.38% | 3.62% |
Related:CBK Dividend History·CBK Revenue History·CBK Price History·CBK P/E History·CBK Financial Ratios·CBK Institutional Holders
CBK SEC Filings & Documents
Commercial Bancgroup, Inc. Common Stock (CBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
CBK Frequently Asked Questions
Commercial Bancgroup, Inc. Common Stock (CBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Commercial Bancgroup, Inc. Common Stock (CBK) saw revenue decline by 1.3% over the past year.
Yes, Commercial Bancgroup, Inc. Common Stock (CBK) is profitable, generating $37.8M in net income for fiscal year 2025 (28.3% net margin).
Dividend & Returns
Yes, Commercial Bancgroup, Inc. Common Stock (CBK) pays a dividend with a yield of 0.47%. This makes it attractive for income-focused investors.
Commercial Bancgroup, Inc. Common Stock (CBK) has a return on equity (ROE) of 14.7%. This is reasonable for most industries.
Industry Metrics
Commercial Bancgroup, Inc. Common Stock (CBK) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
Commercial Bancgroup, Inc. Common Stock (CBK) has an efficiency ratio of 32.3%. This is excellent, indicating strong cost control.