Latest Ratios: P/E Ratio 11.4x · EV/EBITDA 12.6x · ROE 14.7%. (2023–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Market Cap | $458M | — | — | — |
| Enterprise Value | $625M | — | — | — |
| P/E Ratio → | 11.45 | — | — | — |
| P/S Ratio | 3.48 | — | — | — |
| P/B Ratio | 1.62 | — | — | — |
| P/FCF | 13.00 | — | — | — |
| P/OCF | 12.35 | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| EV / Revenue | — | — | — | — |
| EV / EBITDA | 12.61 | — | — | — |
| EV / EBIT | 13.18 | — | — | — |
| EV / FCF | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Gross Margin | 68.6% | 68.6% | 64.4% | 69.9% |
| Operating Margin | 36.0% | 36.0% | 30.4% | 35.4% |
| Net Profit Margin | 28.3% | 28.3% | 23.6% | 27.4% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| ROE | 14.7% | 14.7% | 15.1% | 15.7% |
| ROA | 1.6% | 1.6% | 1.4% | 1.4% |
| ROIC | 9.1% | 9.1% | 9.0% | 8.6% |
| ROCE | 5.8% | 5.8% | 11.2% | 10.8% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Debt / Equity | 0.59 | 0.59 | 0.50 | 0.76 |
| Debt / EBITDA | 3.37 | 3.37 | 2.42 | 3.45 |
| Net Debt / Equity | — | 0.59 | -0.11 | 0.02 |
| Net Debt / EBITDA | 3.37 | 3.37 | -0.56 | 0.10 |
| Debt / FCF | — | 4.74 | -0.71 | 0.12 |
| Interest Coverage | 1.15 | 1.15 | 0.89 | 1.30 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Current Ratio | 0.14 | 0.14 | 0.12 | 0.11 |
| Quick Ratio | 0.14 | 0.14 | 0.12 | 0.11 |
| Cash Ratio | — | — | 0.07 | 0.08 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 |
| Inventory Turnover | — | — | — | — |
| Days Sales Outstanding | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Dividend Yield | 0.4% | — | — | — |
| Payout Ratio | 5.4% | 5.4% | 6.4% | 4.9% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Earnings Yield | 8.7% | — | — | — |
| FCF Yield | 7.7% | — | — | — |
| Buyback Yield | 0.2% | — | — | — |
| Total Shareholder Yield | 0.6% | — | — | — |
| Shares Outstanding | — | $14M | $12M | $12M |
Low ROE and liquidity
According to current market data, CBK trades at a P/B of 1.60, which appears elevated relative to its peers, especially considering the bank's persistent revenue contraction and anemic return on equity that has struggled to exceed 4% over the last ten quarters.
The current P/E of 11.26 suggests that investors are pricing in a recovery that is not yet supported by the bank's fundamental performance. Given the lack of a PEG ratio due to negative growth, the valuation appears disconnected from the underlying reality of a shrinking top-line and stagnant earnings power.
As reported in financial statements, CBK's ROE has remained suppressed, hovering between 2.5% and 3.9% over the last ten quarters, which significantly lags the double-digit returns generated by comparable regional banking peers like BancFirst and First Financial Bank.
This persistent underperformance in ROE and ROIC suggests that the bank is failing to efficiently deploy its capital base. Investors should monitor whether this is a structural issue related to the bank's asset mix or a temporary consequence of the current interest rate environment.
Based on CBK's reported figures, the current ratio has plummeted from 0.47 in 2026Q1 to a low of 0.10 in 2024Q4, indicating a significant reduction in the bank's short-term liquidity buffer and an increased reliance on operational cash flow to meet immediate obligations.
The extreme volatility in liquidity ratios warrants further investigation into the bank's deposit stability and asset-liability management. Such low current ratios are atypical for the banking sector and may indicate a heightened sensitivity to sudden liquidity shocks or deposit outflows.
Data from recent filings indicates that CBK's ROE of 3.3% in 2026Q1 is structurally inferior to the 12-14% range observed in peers like FFIN and BANF, suggesting that the bank's competitive positioning is significantly weaker than its regional counterparts.
The gap in profitability metrics appears to be more than a temporary cyclical variance, pointing toward potential inefficiencies in the bank's core lending operations. The valuation premium relative to peers with superior returns suggests that the market may be mispricing the bank's long-term earnings potential.
Investors frequently rely on the P/B ratio to value CBK, yet this metric obscures the bank's inability to generate adequate returns on that book value, making the stock appear cheaper than it truly is when adjusted for its low ROE.
A more appropriate metric for this business model would be the P/E ratio adjusted for tangible book value or a direct analysis of the ROE-to-Cost of Equity spread. Relying on P/B in a low-return environment risks overestimating the value of the bank's assets.
Includes 30+ ratios · 3 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
See how regular investing compounds over time.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying CBK stock.
Commercial Bancgroup, Inc. Common Stock's current P/E ratio is 11.4x. This places it at the 50th percentile of its historical range.
Commercial Bancgroup, Inc. Common Stock's current EV/EBITDA is 12.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA.
Commercial Bancgroup, Inc. Common Stock's return on equity (ROE) is 14.7%. The historical average is 15.2%.
Based on historical data, Commercial Bancgroup, Inc. Common Stock is trading at a P/E of 11.4x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Commercial Bancgroup, Inc. Common Stock's current dividend yield is 0.43% with a payout ratio of 5.4%.
Commercial Bancgroup, Inc. Common Stock has 68.6% gross margin and 36.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Commercial Bancgroup, Inc. Common Stock's Debt/EBITDA ratio is 3.4x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.