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Commercial Bancgroup, Inc.

CBK

$35.01 ▼ -0.09 (-0.24%) at close

7 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Commercial Bancgroup, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $479.6M

Dividend Yield 0.29%

Revenue Growth 5.9%

Op. Margin 51.4%

ROIC None

FCF / Share None

Trailing P/E 50.0x

Price / Book 1.6x

FCF Yield —

Debt / Equity 0.40

info Valuation on last close. End-of-day price, Aug 7, 2026.

7-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$23.07M

↑ +5.9% —

Net Income Profit after all expenses

$9.53M

↑ +9.7% —

Operating Margin Operating profit as % of sales

51.4%

↓ -4.5% 97th

Long-Term Debt Long-term obligations

$73.18M

↓ -6.9% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.17 Latest / share

+6.3% YoY

+6.3% 2-yr CAGR

FY 2023

$0.16

FY 2024

$0.17

FY 2025

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Revenue Growth YoY (%)	5.9% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	—	4.5% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-25%)	—	—	—	—
EPS Growth YoY (%)	-2.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	65.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	2.7% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—
Net Income Growth YoY (%)	9.7% Fair ↓ Fair Declining Year-over-year change in net income	80.7% Excellent Excellent Year-over-year change in net income	2.8% Caution Caution Year-over-year change in net income	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Operating Margin (%) (%)	51.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+106%)	—	53.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+115%)	51.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+106%)	—	50.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+102%)	—
Effective Tax Rate (%) (%)	19.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	41.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	—	41.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	39.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	—	42.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	3.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	3.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	3.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	3.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	2.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	4.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Debt to Equity (x)	0.40x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.58x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.66x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-45%)	—	0.50x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-59%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Revenue per Share (USD)	$1.68	—	$1.87	$1.79	—	$1.79	—
Basic EPS, GAAP (USD)	$0.70	$0.73	$0.77	$0.72	$0.44	$0.75	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.10	—	—	$0.17	—	—	—
Book Value per Share (USD)	$21.43	$20.83	$20.03	$18.64	$18.18	$17.59	—
Tangible Book Value per Share (USD)	$20.81	$20.21	$19.33	$18.64	$17.48	$17.59	—
Basic Weighted Avg Shares (shares)	13.70M	—	12.24M	12.14M	—	12.21M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$73.18M	$78.59M	$100.10M	—	$105.77M	—	—
Total Equity (USD)	$293.52M	$285.34M	$245.15M	$226.18M	$220.26M	$214.78M	—

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Sales/Revenue/Turnover (USD)	$23.07M	—	$22.85M	$21.78M	—	$21.86M	—
Depreciation Expense (USD)	$557.82K	$618.68K	—	$550.40K	$680.57K	—	—
Net Income, GAAP (USD)	$9.53M	$10.14M	$9.47M	$8.69M	$5.61M	$9.21M	—
Operating Cash Flow (USD)	$13.35M	$9.10M	—	$12.06M	$10.21M	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.6%	3.7%	—	3.4%	—	—
Efficiency Ratio (%) (%)	48.1%	—	46.2%	48.6%	—	48.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 3 years · 7 quarters

Commercial Bancgroup, Inc.

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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