Commercial Bancgroup, Inc. (CBK)

NCM – Real Time Price. Currency in USD

35.09

+0.42 (1.21%)

Market open: Aug 12, 2026, 12:12 PM EDT

34.67

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 35.06$
Day's range: 34.78 - 35.23$
52-week range: 23.24 - 35.72$
Volume: 44 966
Average volume: 68 406
Beta: 0.42
EPS (TTM): 2.94
PE ratio (TTM): 11.99
Forward P/E: 11.77
Market cap: 480 366 482
Shares outstanding: 13 701 269
Dividend yield: N/A
Next earnings date: 2026-11-02
Sector: Financials
Industry: Banks - Regional

About the company

Commercial Bancgroup, Inc. operates as the bank holding company for Commercial Bank that provides a range of banking and financial services to individual and corporate customers in the United States. The company accepts various deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit products. It also offers real estate, commercial, and consumer loans, such... read more

CEO: Terry Lee
Country: United States
IPO Date: 2025-10-02
Employees: 290
Fiscal Year End: January - December
Website: https://www.cbtn.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: CBK

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Overall Score

3.1 / 1031%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $175.8M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.6) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.16	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.58	0.05	7.0
Debt to Assets	0.07	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2023	2024	2025	TTM
Total Revenue	112M	133M	131M	130M
Gross Profit	N/A	N/A	N/A	N/A
Operating Income	40M	40M	47M	50M
Net Income	31M	31M	37M	39M
EBITDA	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	53.30	0.44	10
Net margin %	42.33	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.61	1.46	1.0
ROE	14.71	14.94	1.0
ROIC	11.12	0.00	1.0
ROCE	N/A	0.00	1.0
Weighted average score			1.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	7.42	-3.9	3.0
Next quarter	5.64	5.56	5.0
Current year	7.02	0.68	3.5
Next year	5.69	6.71	5.0
Weighted average score			4.1

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	2.24	7.15	2.74	49.47	5.5
Y/Y	-0.83	14.79	1.35	11.82	4.8
3y average	N/A	N/A	N/A	N/A	1.0
5y average	N/A	N/A	N/A	N/A	1.0
Weighted average score					3.1

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	11.46	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	5.13	3.37	3.2
P/B	1.59	1.53	5.6
Weighted average score			4.2

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR1.96%

FCF 5 year CAGR2

Fair value36.56$

Stock price34.68$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$36.56

UndervaluedStock priceOvervalued

$34.68

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Terry Lee

Country

United States

IPO Date

2025-10-02

Employees

290

Fiscal Year End

January - December

Website

https://www.cbtn.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.16

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.58

0.05

7.0

Debt to Assets

0.07

0.09

9.0

Interest coverage

N/A

Weighted average score

5.8

METRIC

2023

2024

2025

TTM

Total Revenue

112M

133M

131M

130M

Gross Profit

N/A

Operating Income

40M

47M

50M

Net Income

31M

37M

39M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

53.30

0.44

Net margin %

42.33

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.61

1.46

1.0

ROE

14.71

14.94

1.0

ROIC

11.12

0.00

1.0

ROCE

N/A

0.00

1.0

Weighted average score

1.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

7.42

-3.9

3.0

Next quarter

5.64

5.56

5.0

Current year

7.02

0.68

3.5

Next year

5.69

6.71

5.0

Weighted average score

4.1

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

2.24

7.15

2.74

49.47

5.5

Y/Y

-0.83

14.79

1.35

11.82

4.8

3y average

N/A

1.0

5y average

N/A

1.0

Weighted average score

3.1

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

11.46

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

5.13

3.37

3.2

P/B

1.59

1.53

5.6

Weighted average score

4.2

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Commercial Bancgroup, Inc. (CBK)

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Commercial Bancgroup, Inc. (CBK)

Stock details

About the company

Revenue Breakdown

News

Chart: CBK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$36.56

$34.68

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CBK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$36.56

$34.68

Economic Moat