Commercial Bancgroup, Inc. CBK R2K

Financial Services · Banks - Regional · United States

https://www.cbtn.com

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 the United States. The company accepts various deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit products. It also offers real estate, commercial, and consumer loans, such as installment loans, secured and unsecured personal lines of credit, and overdraft protection lines. In addition, the company provides treasury management services, remote deposit capture, internet and commercial banking, automated teller machines, and other banking services. The company was formerly known as Harrogate Corporation and changed its name to Commercial Bancgroup, Inc. in April 1989. Commercial Bancgroup, Inc. was incorporated in 1975 and is based in Harrogate, Tennessee.

Market & Price

Market Cap

$395.83M

Current Price

$28.89

High / Low (52W)

$29.65 / $23.51

Beta

Valuation

Stock P/E

10.39

Industry PE

12.01

Forward P/E

9.17

PEG Ratio

Book Value

$21.43

Price to Book

1.35

P/S

4.35

EV/EBITDA

Dividend Yield

0.69%

Profitability & Returns

ROCE

ROE

14.64%

ROA

1.65%

Profit Margin

41.77%

Op Margin

55.37%

EPS (Latest Qtr)

$0.70

EPS (TTM)

$2.78

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$132.76M

Total Assets

$2.29B

Current Assets

Working Capital

Ownership

Promoter Holding

54.46%

Chg in Prom Hold

FII / Inst Holding

54.01%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$345.68M

Total Revenue (TTM)

$91.06M

EBITDA

Free Cash Flow

Operating Cash Flow

$38.39M

Shares Outstanding

13.70M

Gross Margin

0.00%

Payout Ratio

3.60%

Growth (CAGR)

Revenue 5Y

5.17%

Profit 5Y

10.09%

Revenue (YoY)

5.30%

Earnings (YoY)

-2.80%

PROS

Excellent profit margin of 41.8%.
Profit CAGR of 10.1% over 5 years.

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CBK Commercial Bancgroup, Inc. R2K	28.89	10.39	$395.83M	0.69%	-	14.64%	5.17%	10.09%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	21.81M	22.25M	22.83M	23.44M	23.07M
Cost of Revenue	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-
Interest Expense	-	-	11.43M	10.80M	9.80M	9.15M	8.99M
Pretax Income	-	-	11.20M	11.56M	12.30M	12.36M	11.86M
Tax Provision	-	-	2.51M	2.66M	2.83M	2.22M	2.33M
Net Income	-	-	8.69M	8.90M	9.47M	10.14M	9.53M
Diluted EPS	0.74	-	0.66	-	-	0.72	0.70

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2023	Dec 2024	Dec 2025
Revenue	81.67M	87.70M	90.32M
Cost of Revenue	-	-	-
Gross Profit	-	-	-
Operating Expenses	-	-	-
Operating Income	-	-	-
EBITDA	-	-	-
Interest Expense	30.54M	45.63M	41.17M
Pretax Income	39.69M	40.57M	47.42M
Tax Provision	8.48M	8.89M	10.22M
Net Income	30.69M	31.41M	37.20M
Diluted EPS	2.48	2.54	2.92

Compounded Sales Growth

5 Years:	5.17%
1 Year:	5.30%

Compounded Profit Growth

5 Years:	10.09%
1 Year:	-2.80%

Stock Price Performance

1 Year:	+20.86%
6 Months:	+19.17%
3 Months:	+11.52%
1 Month:	+1.16%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2023	Dec 2024	Dec 2025
Total Assets	2.20B	2.30B	2.29B
Current Assets	-	-	-
Cash & Equivalents	145.08M	134.46M	118.99M
Inventory	-	-	-
Receivables	8.24M	7.19M	7.45M
Total Liabilities	2.00B	2.08B	2.01B
Current Liabilities	-	-	-
Long Term Debt	124.07M	87.03M	135.55M
Total Debt	143.22M	105.77M	148.01M
Total Equity	190.38M	220.26M	285.34M
Shares Outstanding	13.17M	13.17M	13.70M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	38.89M	38.68M	37.09M
Investing Cash Flow	-127.96M	-84.93M	-32.66M
Financing Cash Flow	183.10M	68.51M	-38.31M
Capital Expenditure	-3.17M	-3.04M	-1.87M
Free Cash Flow	35.72M	35.63M	35.23M
Net Change in Cash	94.03M	22.26M	-33.88M
Share Buybacks	-	1.83M	980.80K
Dividends Paid	-	2.00M	2.00M

Ratios (Annual)

Figures in %.

Metric	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-
Operating Margin %	-	-	-
Net Margin %	37.6%	35.8%	41.2%
ROE %	16.1%	14.3%	13.0%
ROCE %	-	-	-

Shareholding Pattern

Insiders

54.46%

Institutions

54.01%

Public Float

118.59%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Alliancebernstein L.P.	7.51%	1.03M	$29.74M
2	T. Rowe Price Investment Management, Inc.	6.26%	857.53K	$24.77M
3	Blackrock Inc.	3.54%	485.70K	$14.03M
4	Vanguard Capital Management LLC	2.40%	329.45K	$9.52M
5	Mendon Capital Advisors Corp	2.30%	315.63K	$9.12M
6	Petiole USA Ltd	2.12%	291.01K	$8.41M
7	Curi Capital LLC	2.11%	289.65K	$8.37M
8	Jacobs Asset Management, L.L.C.	2.03%	278.45K	$8.04M
9	JBF Capital, Inc.	1.82%	250.00K	$7.22M
10	Raffles Associates Lp	1.81%	248.26K	$7.17M

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CBK · Financial Services