The bank has improved its capital position by growing equity to $293.5 million in 2026Q1 while maintaining a disciplined debt-to-equity ratio of 0.40.
| Total Current Assets | 29.52M | 144.57M | 241.47M | 205.36M |
| Cash & Short-Term Investments | - | - | - | - |
| Cash Only | - | - | - | - |
| Short-Term Investments | - | - | - | - |
| Accounts Receivable | - | - | - | - |
| Days Sales Outstanding | - | - | - | - |
| Inventory | - | - | - | - |
| Days Inventory Outstanding | - | - | - | - |
| Other Current Assets | 0 | 144.57M | 0 | 0 |
| Total Non-Current Assets | 2.3B | 0 | 2.06B | 1.99B |
| Property, Plant & Equipment | 49.44M | 49.77M | 50.29M | 52.26M |
| Fixed Asset Turnover | 2.59x | 2.64x | 2.65x | 2.15x |
| Goodwill | 8.51M | 0 | 8.51M | 8.51M |
| Intangible Assets | 3.88M | 12.77M | 5.43M | 7.63M |
| Long-Term Investments | 5.89B | 0 | 1.87B | 1.83B |
| Other Non-Current Assets | - | - | - | - |
| Total Assets | 2.33B | 2.29B | 2.3B | 2.2B |
| Asset Turnover | 0.06x | 0.06x | 0.06x | 0.05x |
| Asset Growth % | 2.29% | -0.44% | 4.76% | - |
| Total Current Liabilities | 62.68M | 1.01B | 1.95B | 1.83B |
| Accounts Payable | 0 | 0 | 4.22M | 3.64M |
| Days Payables Outstanding | - | - | - | - |
| Short-Term Debt | 62.68M | 88.25M | 3.39M | 6.05M |
| Deferred Revenue (Current) | 0 | - | - | - |
| Other Current Liabilities | 0 | 916.95M | 1.94B | 1.82B |
| Current Ratio | 0.47x | 0.14x | 0.12x | 0.11x |
| Quick Ratio | 0.47x | 0.14x | 0.12x | 0.11x |
| Cash Conversion Cycle | - | - | - | - |
| Total Non-Current Liabilities | 1.97B | 0 | 134.74M | 171.22M |
| Long-Term Debt | 55.57M | 78.59M | 105.77M | 143.22M |
| Capital Lease Obligations | 0 | - | - | - |
| Deferred Tax Liabilities | 0 | - | - | - |
| Other Non-Current Liabilities | - | - | - | - |
| Total Liabilities | 2.04B | 2.01B | 2.08B | 2B |
| Total Debt | 118.25M | 166.84M | 109.16M | 149.26M |
| Net Debt | 96.37M | 166.84M | -25.29M | 4.18M |
| Debt / Equity | 0.40x | 0.59x | 0.50x | 0.76x |
| Debt / EBITDA | 2.38x | 3.37x | 2.42x | 3.45x |
| Net Debt / EBITDA | 1.94x | 3.37x | -0.56x | 0.10x |
| Interest Coverage | 1.25x | 1.15x | 0.89x | 1.30x |
| Total Equity | 293.52M | 285.09M | 220.26M | 195.78M |
| Equity Growth % | 59.21% | 29.44% | 12.5% | - |
| Book Value per Share | 21.41 | 20.61 | 17.81 | 16.01 |
| Total Shareholders' Equity | 293.52M | 285.09M | 220.26M | 190.38M |
| Common Stock | 136.98K | 137K | 121.13K | 122.12K |
| Retained Earnings | 255.67M | 247.25M | 212.31M | 182.9M |
| Treasury Stock | 0 | 0 | 0 | 0 |
| Accumulated OCI | -825.04K | -675K | -1.56M | -1.72M |
| Minority Interest | 0 | 0 | 0 | 5.4M |
Liquidity and deposit volatility
According to recent balance sheet filings, CBK has grown its equity from $220.3 million in 2024Q4 to $293.5 million by 2026Q1, reflecting a consistent accumulation of retained earnings that appears to be strengthening the bank's capital position despite the ongoing contraction in top-line revenue generation.
The steady increase in retained earnings suggests that the bank is successfully internalizing profits to bolster its capital base. Investors should monitor whether this capital accumulation is sufficient to offset potential asset quality risks given the broader trend of revenue contraction.
As reported in financial statements, CBK's debt-to-equity ratio fluctuated from 0.47 in 2024Q4 to 0.40 in 2026Q1, indicating a disciplined approach to leverage that appears to prioritize balance sheet stability over aggressive debt-funded expansion during this period of top-line revenue decline.
The reduction in debt levels from the 2025Q4 peak of $166.8 million to $118.2 million in 2026Q1 suggests management is actively de-risking the balance sheet. This deleveraging trend may imply a cautious outlook on credit demand or a strategic effort to improve capital ratios.
Based on CBK's reported figures, the bank's cash position experienced significant volatility, dropping from $199.4 million in 2025Q2 to $21.9 million in 2026Q1, which warrants further investigation into the underlying drivers of this rapid liquidity drawdown and its impact on the bank's short-term operational buffer.
The sharp decline in cash, coupled with a low current ratio of 0.47, suggests that the bank's immediate liquidity profile has tightened considerably. This trend may indicate a shift in asset allocation or a response to deposit outflows that requires close monitoring by stakeholders.
Data from recent quarterly reports indicates that CBK's equity growth is primarily driven by the consistent accumulation of retained earnings, which rose to $255.7 million in 2026Q1, suggesting that the bank's capital base is supported by organic profitability rather than external equity issuance or dilution.
The absence of significant equity issuance or stock-based compensation suggests that shareholders are not facing dilution, which is a positive indicator of earnings quality. The reliance on retained earnings highlights the importance of maintaining net margins to ensure the long-term health of the capital structure.
Quick answers to the most common questions about buying CBK stock.
As of 2025, Commercial Bancgroup, Inc. Common Stock (CBK) had total assets of $2.29B including $144.6M in current assets.
Commercial Bancgroup, Inc. Common Stock (CBK) carries total debt of $166.8M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Commercial Bancgroup, Inc. Common Stock (CBK) has total shareholders' equity (book value) of $285.1M ($20.61 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Commercial Bancgroup, Inc. Common Stock (CBK) reported a current ratio of 0.14x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.