Commercial Bancgroup, Inc. CBK R2KFINANCIAL
Company Overview
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.
Why Investors Should Care
Net profit has compounded at 18.4% per year over the last five years.
Trades at a P/E of 11.0, below the sector median of 13.6.
Maintains a net profit margin of 42.5%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +6.7%, earnings +1.8%.
- 5-Year Trend Long-term compounding — profit CAGR 18.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 6.70% |
Compounded Profit Growth
| 5 Years: | 18.42% |
| 1 Year: | 1.80% |
Stock Price Performance
| 1 Year: | +35.71% |
| 6 Months: | +12.48% |
| 3 Months: | -3.62% |
| 1 Month: | +1.29% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)54.69 · Neutral
P/E of 11.00 is below the sector median of 13.55 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 42.5%.
- Profit CAGR of 18.4% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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. R2KFINANCIAL | 32.22 | 11.00 | $441.45M | 1.02% | - | 14.63% | - | 18.42% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2024 | Mar 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|
| Net Income | 9.21M | 8.69M | 9.47M | 9.53M |
| Diluted EPS | 0.74 | 0.72 | 0.77 | 0.70 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2024 | Dec 2025 |
|---|---|---|
| Net Income | 31.41M | 37.20M |
| Diluted EPS | 2.54 | 2.95 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Total Assets | - | 2.30B | 2.29B |
| Total Equity | 195.78M | 220.26M | 285.34M |
| Cash & Equivalents | - | 178.20M | 144.32M |
| Long Term Debt | - | 105.77M | 78.59M |
| Total Liabilities | - | 2.08B | 2.01B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2024 | Dec 2025 |
|---|---|---|
| Operating Cash Flow | 38.68M | 37.09M |
| Investing Cash Flow | -84.93M | -32.66M |
| Financing Cash Flow | 68.51M | -38.31M |
| Capital Expenditure | -3.04M | -1.87M |
| Free Cash Flow | 35.63M | 35.23M |
| Share Buybacks | 1.83M | 980.80K |
| Dividends Paid | 2.00M | 2.00M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2024 | Dec 2025 |
|---|---|---|
| Gross Margin % | - | - |
| Operating Margin % | - | - |
| Net Margin % | - | - |
| ROE % | 14.3% | 13.0% |
| ROCE % | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | T. Rowe Price Investment Management, Inc. | 6.23% | 853.80K | $26.37M |
| 2 | Alliancebernstein L.P. | 6.22% | 852.88K | $26.35M |
| 3 | Blackrock Inc. | 4.90% | 670.95K | $20.73M |
| 4 | Vanguard Capital Management LLC | 2.42% | 331.60K | $10.24M |
| 5 | Petiole USA Ltd | 2.12% | 291.01K | $8.99M |
| 6 | Raffles Associates Lp | 1.70% | 233.11K | $7.20M |
| 7 | Pacific Ridge Capital Partners, LLC | 1.63% | 223.76K | $6.91M |
| 8 | Mendon Capital Advisors Corp | 1.56% | 213.67K | $6.60M |
| 9 | Geode Capital Management, LLC | 1.53% | 209.84K | $6.48M |
| 10 | Curi Capital LLC | 1.43% | 195.62K | $6.04M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CBK
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CBK — Frequently Asked Questions
What is the current share price of Commercial Bancgroup, Inc. (CBK)?
As of 2026-10-23 16:27 PDT, Commercial Bancgroup, Inc. (CBK) trades at $32.22 on NasdaqCM. Its 52-week range is $23.35 to $35.31.
What is the market capitalisation of CBK?
Commercial Bancgroup, Inc. (CBK) has a market capitalisation of $441.45M on NasdaqCM.
What is the P/E ratio of CBK?
CBK trades at a trailing price-to-earnings (P/E) ratio of 11.00. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.40.
Does CBK pay a dividend?
Commercial Bancgroup, Inc. (CBK) currently offers a dividend yield of 1.02%.
What is the return on equity (ROE) of CBK?
CBK has a return on equity (ROE) of 14.63%.
Is CBK a good stock to buy?
This page provides a data-driven analysis of Commercial Bancgroup, Inc. (CBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.