Commercial Bancgroup, Inc. (CBK)
NASDAQ:CBK
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Commercial Bancgroup, Inc.
(NASDAQ:CBK)
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Rating:77Outperform
Price Target:
$33.00
▲(35.14% Upside)
Action:Reiterated
Date:04/28/26
The score is driven primarily by solid financial performance (strong and improving profitability, generally healthy balance sheet) and supportive technical momentum (price above key moving averages with positive MACD). Valuation adds a major boost due to the low P/E and very high dividend yield, while recent revenue softness and choppy free-cash-flow growth temper the overall rating; corporate events are an additional positive due to the new dividend and buyback authorization.
Positive Factors
Profitability Improvement
Sustained margin expansion and rising net income indicate that core banking operations are becoming more profitable. Higher margins provide durable earnings insulation versus cyclical revenue swings, supporting internal capital generation for lending, reserves, and shareholder returns over the medium term.
Negative Factors
Revenue Softness
A declining revenue trend undermines the sustainability of profit gains because margin improvements can be offset if top-line growth stalls. Persistent revenue weakness would limit organic expansion, reduce scalability of fixed-cost leverage, and heighten reliance on nonrecurring items or margin recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Improvement
Sustained margin expansion and rising net income indicate that core banking operations are becoming more profitable. Higher margins provide durable earnings insulation versus cyclical revenue swings, supporting internal capital generation for lending, reserves, and shareholder returns over the medium term.
Read all positive factors
Commercial Bancgroup, Inc. (CBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$398.57M
Dividend YieldN/A
Average Volume (3M)118.91K
Price to Earnings (P/E)9.3
Beta (1Y)0.64
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees282
SectorFinancial
Sector Strength70
IndustryBanks
Share Statistics
EPS (TTM)2.19
Shares Outstanding13,701,269
10 Day Avg. Volume65,799
30 Day Avg. Volume118,907
Financial Highlights & Ratios
PEG Ratio0.67
Price to Book (P/B)1.19
Price to Sales (P/S)2.58
P/FCF Ratio9.65
Enterprise Value/Market Cap1.23
Enterprise Value/Revenue3.79
Enterprise Value/Gross Profit5.43
Enterprise Value/Ebitda9.85
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.89
Revenue Forecast (FY)$95.50M
Commercial Bancgroup, Inc. Business Overview & Revenue Model
Company Description
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 Kentucky, North Carolina, and Tennessee. It accepts various deposi...
How the Company Makes Money
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Commercial Bancgroup, Inc. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
70
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 129.15M | 131.53M | 133.33M | 112.20M |
| Gross Profit | 90.14M | 90.21M | 85.87M | 78.39M |
| EBITDA | 49.67M | 49.56M | 45.17M | 43.23M |
| Net Income | 37.81M | 37.20M | 31.41M | 30.69M |
Balance Sheet | ||||
| Total Assets | 2.33B | 2.29B | 2.30B | 2.20B |
| Cash, Cash Equivalents and Short-Term Investments | 21.88M | 0.00 | 234.28M | 197.12M |
| Total Debt | 118.25M | 166.84M | 109.16M | 149.26M |
| Total Liabilities | 2.04B | 2.01B | 2.08B | 2.00B |
| Stockholders Equity | 293.52M | 285.09M | 220.26M | 190.38M |
Cash Flow | ||||
| Free Cash Flow | 36.62M | 35.23M | 35.63M | 35.72M |
| Operating Cash Flow | 38.39M | 37.09M | 38.68M | 38.89M |
| Investing Cash Flow | -47.54M | -32.66M | -84.93M | -127.96M |
| Financing Cash Flow | 27.06M | -38.31M | 68.51M | 183.10M |
Commercial Bancgroup, Inc. Risk Analysis
Commercial Bancgroup, Inc. disclosed 61 risk factors in its most recent earnings report. Commercial Bancgroup, Inc. reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Commercial Bancgroup, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $559.21M | 9.04 | 12.38% | 2.78% | 38.10% | 68.10% | |
78 Outperform | $3.10B | 12.79 | 12.12% | 3.99% | 2.79% | 39.56% | |
77 Outperform | $398.57M | 9.35 | 14.28% | ― | ― | ― | |
75 Outperform | $4.65B | 8.92 | 10.04% | 3.51% | 16.97% | 234.25% | |
71 Outperform | $3.47B | 4.43 | 17.08% | 1.12% | -0.65% | 118.03% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $3.37B | 13.89 | 9.02% | 2.71% | -5.12% | 11.35% |
* Financial Sector Average
CBK
Commercial Bancgroup, Inc.
28.69
4.79
20.03%
ACNB
ACNB
54.45
13.74
33.75%
BFH
Bread Financial Holdings
86.60
36.53
72.96%
ASB
Associated Banc-Corp
28.01
5.84
26.35%
BOH
Bank Of Hawaii
77.79
13.54
21.07%
BKU
BankUnited
46.22
12.69
37.86%
Commercial Bancgroup, Inc. Corporate Events
Executive/Board ChangesStock BuybackDividendsFinancial DisclosuresRegulatory Filings and ComplianceShareholder Meetings
Commercial Bancgroup Announces Dividend, Buyback and Strong Quarter
Positive
Apr 27, 2026
On April 27, 2026, Commercial Bancgroup shareholders elected Sam A. Mars III, Aaron A. Robertson, and Martha S. Spurlock as Class I directors to serve until the 2029 annual meeting, and ratified Mauldin Jenkins, LLC as independent auditor for 202...
Business Operations and StrategyDividends
Commercial Bancgroup Initiates First Quarterly Cash Dividend
Positive
Jan 28, 2026
On January 26, 2026, Commercial Bancgroup, Inc., parent of Commercial Bank, declared its first quarterly cash dividend of $0.10 per share, payable on March 31, 2026, to shareholders of record as of March 15, 2026. The initiation of a regular cash ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.