Commercial Bancgroup, Inc.
CBK Nasdaq State Commercial Banks Financials FY2024–FY2025
What Commercial Bancgroup, Inc. does
No business description yet.
- Legal name
- Commercial Bancgroup, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 24, 2026
- Accession · CIK
- 0001213900-26-033659
0001981546
Revenue and margins
Commercial Bancgroup, Inc. had $90.4M of revenue in fiscal 2025, up 2.1% on the year before.
Net income and earnings per share
From fiscal 2024 to 2025, diluted EPS grew 16.1% a year. Loss periods are shown in red.
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
Dividends, buybacks and share count
Commercial Bancgroup, Inc. returned $3.0M to shareholders in fiscal 2025, 8% of free cash flow. The diluted share count rose 3.4%.
Balance sheet
Loans, deposits and capital at each fiscal year end.
| Fiscal year end | FY24 | FY25 |
|---|---|---|
| Deposits | $1.9B | $1.8B |
| Total assets | $2.3B | $2.3B |
| Shareholders' equity | $220M | $285M |
| Goodwill | $8.5M | $8.5M |
| Intangible assets | $5.8M | $4.3M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
2 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Income statement | ||
| Revenue | $88.5M | $90.4M |
| Net interest income | $77.6M | $80.4M |
| Noninterest income | $10.9M | $9.9M |
| Noninterest expense | $46.1M | $42.5M |
| Pretax income | $40.6M | $47.4M |
| Income tax | $8.9M | $10.2M |
| Net income | $31.4M | $37.2M |
| Net income to common | $31.4M | $37.2M |
| Diluted EPS | $2.54 | $2.95 |
| Diluted shares | 0.01B | 0.01B |
| Cash flow | ||
| Cash from operations | $38.7M | $37.1M |
| Capital expenditure | $3.0M | $1.9M |
| Free cash flow | $35.6M | $35.2M |
| Depreciation and amortization | $4.1M | $3.7M |
| Stock-based compensation | $2.1M | $0.1M |
| Share buybacks | $1.8M | $1.0M |
| Dividends paid | $2.0M | $2.0M |
| Dividends and buybacks | $3.8M | $3.0M |
| Balance sheet | ||
| Cash and short-term investments | $178M | $144M |
| Total debt | $109M | $167M |
| Deposits | $1.9B | $1.8B |
| Property and equipment, net | $50.3M | $49.8M |
| Goodwill | $8.5M | $8.5M |
| Intangible assets | $5.8M | $4.3M |
| Total assets | $2.3B | $2.3B |
| Total liabilities | $2.1B | $2.0B |
| Shareholders' equity | $220M | $285M |
| Margins | ||
| Net margin | 35.5% | 41.2% |
| FCF margin | 40.3% | 39.0% |
| Net interest share of revenue | 87.7% | 89.0% |
| Efficiency ratio | 52.1% | 47.0% |
| Returns | ||
| Return on equity | 14.3% | 14.7% |
| Return on assets | 1.4% | 1.6% |
| Return on tangible equity | 15.3% | 13.6% |
| Growth | ||
| Revenue growth | — | 2.1% |
| Net income growth | — | 18.4% |
| EPS growth | — | 16.1% |
| FCF growth | — | −1.1% |
| Share count change | — | 3.4% |
| Financial health | ||
| Debt / equity | 0.5x | 0.6x |
| Capital allocation | ||
| Capex / revenue | 3.4% | 2.1% |
| Stock comp / revenue | 2.4% | 0.1% |
| Payouts / FCF | 10.8% | 8.5% |
| Quality scores | ||
| Piotroski F-score | — | 4.0 |
| Accruals ratio | −0.3% | 0.0% |
Source: SEC EDGAR XBRL filings (CIK 0001981546). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.