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Commercial Bancgroup, Inc.
(NASDAQ:CBK)
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Rating:77Outperform
Price Target:
$38.00
▲(14.77% Upside)
Action:Reiterated
Date:07/28/26
The score is driven mainly by solid underlying financial performance (strong profitability and balance-sheet resilience, despite softer revenue and choppy free cash flow) and a favorable valuation profile (moderate P/E with a very high dividend yield). Technicals are supportive, with the stock above major moving averages, but limited by missing momentum indicator data.
Positive Factors
Profitability
Rising margins and higher net income (from ~$31.4M in 2024 to ~$36.9M in 2025) indicate the bank is extracting more value from its balance sheet and core lending. Durable margin expansion supports internal capital build, dividend capacity and resilience through business cycles.
Negative Factors
Revenue momentum
Top-line softness reduces optionality for reinvestment and loan growth; sustained revenue declines could force trade-offs between margin preservation and business expansion. If revenue headwinds persist, profitability gains may be harder to maintain over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability
Rising margins and higher net income (from ~$31.4M in 2024 to ~$36.9M in 2025) indicate the bank is extracting more value from its balance sheet and core lending. Durable margin expansion supports internal capital build, dividend capacity and resilience through business cycles.
Read all positive factors
Commercial Bancgroup, Inc. (CBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$469.13M
Dividend Yield0.58%
Average Volume (3M)118.91K
Price to Earnings (P/E)11.6
Beta (1Y)0.42
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees298
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.94
Shares Outstanding13,701,269
10 Day Avg. Volume65,799
30 Day Avg. Volume118,907
Financial Highlights & Ratios
PEG Ratio0.62
Price to Book (P/B)1.19
Price to Sales (P/S)2.58
P/FCF Ratio9.65
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.93
Revenue Forecast (FY)$95.40M
Commercial Bancgroup, Inc. Business Overview & Revenue Model
Company Description
Commercial Bancgroup, Inc. serves as the holding company for Commercial Bank, which offers a comprehensive range of banking and financial services. These services are provided to both individual clients and corporate entities across Kentucky, Nort...
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 | 128.90M | 131.53M | 133.33M | 112.20M |
| Gross Profit | 91.66M | 90.21M | 85.87M | 78.39M |
| EBITDA | 53.25M | 49.56M | 45.17M | 43.23M |
| Net Income | 39.13M | 37.20M | 31.41M | 30.69M |
Balance Sheet | ||||
| Total Assets | 2.38B | 2.29B | 2.30B | 2.20B |
| Cash, Cash Equivalents and Short-Term Investments | 161.33M | 0.00 | 234.28M | 197.12M |
| Total Debt | 175.82M | 166.84M | 109.16M | 149.26M |
| Total Liabilities | 2.07B | 2.01B | 2.08B | 2.00B |
| Stockholders Equity | 302.62M | 285.09M | 220.26M | 190.38M |
Cash Flow | ||||
| Free Cash Flow | 29.79M | 35.23M | 35.63M | 35.72M |
| Operating Cash Flow | 30.84M | 37.09M | 38.68M | 38.89M |
| Investing Cash Flow | -52.32M | -32.66M | -84.93M | -127.96M |
| Financing Cash Flow | 38.60M | -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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $658.47M | 12.19 | 13.02% | 2.28% | 24.95% | 95.35% | |
77 Outperform | $469.13M | 11.65 | 13.90% | 0.60% | ― | ― | |
76 Outperform | $3.15B | 14.77 | 12.78% | 3.33% | 1.90% | 41.02% | |
74 Outperform | $4.15B | 8.31 | 17.04% | 0.86% | 0.85% | 117.85% | |
74 Outperform | $5.83B | 10.69 | 9.86% | 3.08% | 20.10% | 273.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $3.39B | 12.92 | 9.04% | 2.75% | -5.21% | 6.73% |
* Financial Sector Average
CBK
Commercial Bancgroup, Inc.
35.06
11.24
47.16%
ACNB
ACNB
65.43
25.31
63.08%
BFH
Bread Financial Holdings
112.45
54.50
94.06%
ASB
Associated Banc-Corp
31.75
8.57
36.97%
BOH
Bank Of Hawaii
80.86
20.63
34.25%
BKU
BankUnited
47.90
13.25
38.24%
Commercial Bancgroup, Inc. Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Commercial Bancgroup Declares Dividend Amid Strong Q2 Results
Positive
Jul 27, 2026
Commercial Bancgroup, Inc., the Harrogate, Tennessee-based parent of Commercial Bank, reported solid second-quarter 2026 performance that underscored its positioning as a growing regional bank serving consumers and businesses in Kentucky, North Ca...
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.