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CBKCommercial Bancgroup, Inc. Common Stock
$33.43$458M
Overview & Verdict
Overview
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice HistoryTechnical Analysis
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Income StatementBalance SheetCash FlowRatios & Margins
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P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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CBK logoCommercial Bancgroup, Inc. Common Stock(CBK)Earnings, Financials & Key Ratios

CBK•NASDAQ
$33.43
11.4× P/E·Price updated Jul 6, 2026
  • EBITDA$50M+9.7%
  • Net Income$37M+18.4%
  • EPS (Diluted)2.92+15.0%
  • Gross Margin68.58%+6.5%
  • EBITDA Margin37.67%+11.2%
  • Operating Margin36.05%+18.5%
  • Net Margin28.28%+20.0%
  • ROE14.72%-2.5%

CBK Price & Volume

Commercial Bancgroup, Inc. Common Stock (CBK) stock price & volume — 10-year historical chart

Loading chart...

Margin Resilience Offsets Persistent Revenue Contraction Trends

Investment Thesis • Updated 2026Q1

VerdictNeutral: While the bank maintains a solid 30.9% net margin and low capital intensity
Growth:Contracting
Profitability:Strong
Financial:Adequate
Cash Flow:Stable
Primary Risk:Low ROE and liquidity

Key Thesis Takeaways

  • Commercial Bancgroup demonstrates disciplined operational management, evidenced by an expansion in operating margins from 26.0% in 2024Q4 to 38.4% in 2026Q1 despite a consistent decline in top-line revenue from $34.0 million to $30.8 million over the same period.
  • While the bank has successfully strengthened its equity base to $293.5 million through organic retained earnings, investors should monitor the significant liquidity drawdown that saw cash reserves fall from $199.4 million in 2025Q2 to $21.9 million in 2026Q1.
  • The firm's conservative capital allocation, highlighted by a 42.5% free cash flow margin in 2026Q1, suggests a focus on stability, though future growth remains contingent on reversing the current revenue stagnation.

Verdict Logic

the persistent revenue contraction and the sharp decline in cash reserves from $199.4 million to $21.9 million suggest significant execution risks.

CBK Growth Metrics

Commercial Bancgroup, Inc. Common Stock (CBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years-
3 Years-
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-

Return on Capital

10 Years9.28%
5 Years9.28%
3 Years9.28%
Last Year5.78%

CBK Recent Earnings

Commercial Bancgroup, Inc. Common Stock (CBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 2/10 qtrs (50%)●Beat Revenue 3/10 qtrs (75%)
Q3 2026Latest
Jun 3, 2026
Metric
Actual
Est
EPS
$0.70-0.1%
$0.70
Rev
$31M+28.5%
$24M
Q2 2026
Apr 27, 2026
Metric
Actual
Est
EPS
$0.73+7.4%
$0.68
Rev
$23M+1.6%
$23M
Q1 2026
Jan 26, 2026
Metric
Actual
Est
EPS
$0.72+0.6%
$0.72
Rev
$23M+0.8%
$23M
Q4 2025
Oct 27, 2025
Metric
Actual
Est
EPS
$0.77-6.1%
$0.82
Rev
$23M-2.4%
$23M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026LatestJun 3, 2026
$0.70vs $0.70-0.1%
$31Mvs $24M+28.5%
Q2 2026Apr 27, 2026
$0.73vs $0.68+7.4%
$23Mvs $23M+1.6%
Q1 2026Jan 26, 2026
$0.72vs $0.72+0.6%
$23Mvs $23M+0.8%
Q4 2025Oct 27, 2025
$0.77vs $0.82-6.1%
$23Mvs $23M-2.4%
Based on last 10 quarters of dataView full earnings history →

Latest CBK News

Recent stock market news and headlines for Commercial Bancgroup, Inc. Common Stock (CBK)

Accesswire·5 days ago
Commercial Bancgroup, Inc. Announces Date for Second Quarter 2026 Earnings Release

HARROGATE, TN / ACCESS Newswire / July 1, 2026 / Commercial Bancgroup, Inc. ("Commercial") (Nasdaq:CBK) announced today details for the release of its financial results for the second quarter of 2026. Commercial plans to issue its earnings release for the second quarter of 2026 on Monday, July 27, 2026, after market close.

Peers Comparison

Key metrics vs top competitors for Commercial Bancgroup, Inc. Common Stock (CBK)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CBK logoCBKCommercial Bancgroup, Inc. Common StockCurrent
$33.43$458.03M11.45-1.35%28.28%14.72%0.43%
SFNC logoSFNCSimmons First National Corporation
$22.77$3.3B-7.72-56.66%-63.53%-10.51%—
HOMB logoHOMBHome Bancshares, Inc.
$28.74$5.79B11.93-5.35%34.84%11.29%—
SRCE logoSRCE1st Source Corporation
$82.35$2B12.755.2%27.72%12.39%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.75$4.98B19.6311.71%31.14%14.2%—
BANF logoBANFBancFirst Corporation
$114.30$3.84B16.05-9.29%29.66%13.62%—

Compare CBK vs Peers

Commercial Bancgroup, Inc. Common Stock (CBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFNC

Most directly comparable listed peer for CBK.

Scale Benchmark

vs FISV

Larger-name benchmark to compare CBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFNC, HOMB, SRCE, FFIN

CBK SEC Filings & Documents

Commercial Bancgroup, Inc. Common Stock (CBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

5
Material company update

Apr 27, 2026·SEC

Material company update

Jan 28, 2026·SEC

Material company update

Jan 26, 2026·SEC

10-K Annual Reports

1
FY 2026

Mar 24, 2026·SEC

10-Q Quarterly Reports

2
FY 2026

May 13, 2026·SEC

FY 2025

Nov 14, 2025·SEC

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CBK Frequently Asked Questions

Commercial Bancgroup, Inc. Common Stock (CBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Commercial Bancgroup, Inc. Common Stock's revenue?

Commercial Bancgroup, Inc. Common Stock (CBK) reported $129.1M in revenue for fiscal year 2025.

How fast is Commercial Bancgroup, Inc. Common Stock growing?

Commercial Bancgroup, Inc. Common Stock (CBK) saw revenue decline by 1.3% over the past year.

Is CBK profitable?

Yes, Commercial Bancgroup, Inc. Common Stock (CBK) is profitable, generating $37.8M in net income for fiscal year 2025 (28.3% net margin).

Dividend & Returns
Does CBK pay dividends?

Yes, Commercial Bancgroup, Inc. Common Stock (CBK) pays a dividend with a yield of 0.43%. This makes it attractive for income-focused investors.

What is CBK's return on equity?

Commercial Bancgroup, Inc. Common Stock (CBK) has a return on equity (ROE) of 14.7%. This is reasonable for most industries.

What is Commercial Bancgroup, Inc. Common Stock's free cash flow?

Commercial Bancgroup, Inc. Common Stock (CBK) generated $36.6M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in CBK back in 2023?

Total return calculator · dividends reinvested · 3+ years of data

See returns →