Commercial Bancgroup, Inc. Common Stock (CBK) Financial Ratios
3 years of historical data (2023–2025)
EV/EBITDA
11.88
—
5yr avg: N/A
P/FCF
11.97
—
5yr avg: N/A
P/B Ratio
1.49
—
5yr avg: N/A
ROE
↓
14.7%
-3% vs avg
5yr avg: 15.2%
30Y Low15%·High16%
Debt/EBITDA
↓
3.37
+9% vs avg
5yr avg: 3.08
30Y Low2.4·High3.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CBK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Commercial Bancgroup, Inc. Common Stock trades at 10.5x earnings, sitting at the 50th percentile of its historical range. On a free-cash-flow basis, the stock trades at 12.0x P/FCF.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Market Cap | $422M | — | — | — |
| Enterprise Value | $589M | — | — | — |
| P/E Ratio → | 10.54 | — | — | — |
| P/S Ratio | 3.21 | — | — | — |
| P/B Ratio | 1.49 | — | — | — |
| P/FCF | 11.97 | — | — | — |
| P/OCF | 11.37 | — | — | — |
P/E links to full P/E history page with 30-year chart
CBK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Commercial Bancgroup, Inc. Common Stock's enterprise value stands at 11.9x EBITDA.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| EV / Revenue | — | — | — | — |
| EV / EBITDA | 11.88 | — | — | — |
| EV / EBIT | 12.41 | — | — | — |
| EV / FCF | — | — | — | — |
CBK Profitability
Margins and return-on-capital ratios measuring operating efficiency
Commercial Bancgroup, Inc. Common Stock earns an operating margin of 36.0%. ROE of 14.7% is modest. ROIC of 9.1% represents adequate returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Gross Margin | 68.6% | 68.6% | 64.4% | 69.9% |
| Operating Margin | 36.0% | 36.0% | 30.4% | 35.4% |
| Net Profit Margin | 28.3% | 28.3% | 23.6% | 27.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| ROE | 14.7% | 14.7% | 15.1% | 15.7% |
| ROA | 1.6% | 1.6% | 1.4% | 1.4% |
| ROIC | 9.1% | 9.1% | 9.0% | 8.6% |
| ROCE | 5.8% | 5.8% | 11.2% | 10.8% |
CBK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Commercial Bancgroup, Inc. Common Stock carries a Debt/EBITDA ratio of 3.4x, which is moderately leveraged. Net debt stands at $167M ($167M total debt minus $0 cash). Interest coverage of just 1.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Debt / Equity | 0.59 | 0.59 | 0.50 | 0.76 |
| Debt / EBITDA | 3.37 | 3.37 | 2.42 | 3.45 |
| Net Debt / Equity | — | 0.59 | -0.11 | 0.02 |
| Net Debt / EBITDA | 3.37 | 3.37 | -0.56 | 0.10 |
| Debt / FCF | — | 4.74 | -0.71 | 0.12 |
| Interest Coverage | 1.15 | 1.15 | 0.89 | 1.30 |
CBK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.14x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Current Ratio | 0.14 | 0.14 | 0.12 | 0.11 |
| Quick Ratio | 0.14 | 0.14 | 0.12 | 0.11 |
| Cash Ratio | — | — | 0.07 | 0.08 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 |
| Inventory Turnover | — | — | — | — |
| Days Sales Outstanding | — | — | — | — |
CBK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Commercial Bancgroup, Inc. Common Stock returns 0.7% to shareholders annually — split between a 0.5% dividend yield and 0.2% buyback yield. The payout ratio of 5.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 9.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Dividend Yield | 0.5% | — | — | — |
| Payout Ratio | 5.4% | 5.4% | 6.4% | 4.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Earnings Yield | 9.5% | — | — | — |
| FCF Yield | 8.4% | — | — | — |
| Buyback Yield | 0.2% | — | — | — |
| Total Shareholder Yield | 0.7% | — | — | — |
| Shares Outstanding | — | $14M | $12M | $12M |
Peer Comparison
Compare CBK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CBKYou | $422M | 10.5 | 11.9 | 12.0 | 68.6% | 36.0% | 14.7% | 9.1% | 3.4 |
 SFNC | $3B | -7.6 | — | 7.7 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 HOMB | $6B | 11.7 | 9.5 | 11.6 | 77.3% | 43.8% | 11.5% | 8.7% | 1.5 |
 SRCE | $2B | 12.2 | 10.2 | 9.0 | 70.3% | 34.2% | 12.7% | 9.7% | 1.6 |
 FFIN | $5B | 19.0 | 11.8 | 15.7 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 BANF | $4B | 16.3 | 11.8 | 16.6 | 82.9% | 36.8% | 13.8% | 12.3% | 0.4 |
 BOKF | $8B | 14.7 | 14.1 | 14.2 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 IBCP | $730M | 10.9 | 9.8 | 10.4 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FULT | $4B | 11.2 | 10.4 | 15.8 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 WSBC | $4B | 16.3 | 16.0 | 12.6 | 62.9% | 19.7% | 6.5% | 4.3% | 5.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
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Run the NumbersIs CBK Undervalued Right Now?
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Compare NowCBK — Frequently Asked Questions
Quick answers to the most common questions about buying CBK stock.
What is Commercial Bancgroup, Inc. Common Stock's P/E ratio?
Commercial Bancgroup, Inc. Common Stock's current P/E ratio is 10.5x. This places it at the 50th percentile of its historical range.
What is Commercial Bancgroup, Inc. Common Stock's EV/EBITDA?
Commercial Bancgroup, Inc. Common Stock's current EV/EBITDA is 11.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA.
What is Commercial Bancgroup, Inc. Common Stock's ROE?
Commercial Bancgroup, Inc. Common Stock's return on equity (ROE) is 14.7%. The historical average is 15.2%.
Is CBK stock overvalued?
Based on historical data, Commercial Bancgroup, Inc. Common Stock is trading at a P/E of 10.5x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Commercial Bancgroup, Inc. Common Stock's dividend yield?
Commercial Bancgroup, Inc. Common Stock's current dividend yield is 0.47% with a payout ratio of 5.4%.
What are Commercial Bancgroup, Inc. Common Stock's profit margins?
Commercial Bancgroup, Inc. Common Stock has 68.6% gross margin and 36.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Commercial Bancgroup, Inc. Common Stock have?
Commercial Bancgroup, Inc. Common Stock's Debt/EBITDA ratio is 3.4x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.