Commercial Bancgroup, Inc. (CBK) AI Stock Analysis

• Market Cap: $372.59M
• Dividend Yield: N/A
• Average Volume (3M): 118.91K
• Price to Earnings (P/E): 8.6
• Beta (1Y): 0.48
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 282
• Sector: Financial
• Sector Strength: 70
• Industry: Banks
• EPS (TTM): 0.72
• Shares Outstanding: 13,697,986
• 10 Day Avg. Volume: 65,799
• 30 Day Avg. Volume: 118,907
• PEG Ratio: 0.64
• Price to Book (P/B): 1.19
• Price to Sales (P/S): 2.58
• P/FCF Ratio: 9.65
• Enterprise Value/Market Cap: 1.45
• Enterprise Value/Revenue: 4.10
• Enterprise Value/Gross Profit: 5.98
• Enterprise Value/Ebitda: 10.96
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 2.85
• Revenue Forecast (FY): $99.40M

• Rating: 70 Outperform
• Price Target: $28.00 ▲(14.66% Upside)
• Action: Reiterated Date: 03/28/26
• Date: Action: Reiterated 03/28/26

CBK’s score is driven primarily by solid financial performance (strong profitability and growing earnings, though with slower revenue and volatile free cash flow) and attractive valuation (low P/E and high dividend yield). Technicals are neutral-to-soft due to negative MACD and only modest trend support.

Positive Factors

Improving Profitability

Sustained high net margins and year-over-year net income growth indicate durable earnings power. For a regional bank, elevated margins provide a stable earnings base, enabling reinvestment, capital returns, and a buffer against cyclical pressure on interest spreads.

Negative Factors

Softening Revenue Trend

A declining top line erodes the growth runway and increases reliance on margin expansion to drive profits. If revenue weakness persists, sustaining current earnings growth and newly announced shareholder distributions could become challenging without cost cuts or renewed loan growth.

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...

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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...

Commercial Bancgroup, Inc. Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023
Income Statement
Total Revenue	131.53M	133.33M	112.20M
Gross Profit	90.21M	85.87M	78.39M
EBITDA	49.56M	45.17M	43.23M
Net Income	37.20M	31.41M	30.69M
Balance Sheet
Total Assets	2.29B	2.30B	2.20B
Cash, Cash Equivalents and Short-Term Investments	0.00	234.28M	197.12M
Total Debt	166.84M	109.16M	149.26M
Total Liabilities	2.01B	2.08B	2.00B
Stockholders Equity	285.09M	220.26M	190.38M
Cash Flow
Free Cash Flow	35.23M	35.63M	35.72M
Operating Cash Flow	37.09M	38.68M	38.89M
Investing Cash Flow	-32.66M	-84.93M	-127.96M
Financing Cash Flow	-38.31M	68.51M	183.10M

Commercial Bancgroup, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOH	74 Outperform	$3.10B	13.16	11.62%	3.99%	3.40%	23.04%
ASB	73 Outperform	$4.52B	7.75	9.83%	3.51%	-1.44%	-21.65%
BFH	72 Outperform	$3.39B	6.42	16.09%	1.12%	-4.32%	58.34%
CBK	70 Outperform	$372.59M	8.57	―	―	―	―
BKU	69 Neutral	$3.46B	12.64	8.99%	2.71%	-5.44%	45.47%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ACNB	63 Neutral	$527.93M	13.39	9.18%	2.78%	41.95%	-4.72%

Commercial Bancgroup, Inc. Corporate Events