Commercial Bancgroup, Inc.
CBK Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$32.22
KIRA · Stoqly’s AI analyst, in plain words
- Commercial Bancgroup, Inc. had $90.4M of revenue in fiscal 2025, up 2.1% on the year before.
- Commercial Bancgroup, Inc. made $37.2M of net profit in fiscal 2025. From fiscal 2024 to 2025, diluted EPS grew 16.1% a year.
- Commercial Bancgroup, Inc. returned $3.0M to shareholders in fiscal 2025, 8% of free cash flow. The diluted share count rose 3.4%.
- It earned 14.7% on shareholders’ money. Running costs took 47.0% of revenue (the efficiency ratio; lower is better).
Market cap
$441M
P/E
11.0x
Revenue
$90.4M
Net income
$37.2M
Return on equity
14.7%
Efficiency ratio
47.0%
Commercial Bancgroup, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+2.1%
Only a little. Sales grew 2.1% last year.
Does it make a profit?
41.2%
Yes. It keeps 41.2% of every sale as profit.
How lean are its costs?
47.0%
Lean. Running costs take 47.0% of revenue.
How much does it earn on its capital?
14.7%
Good. It earns 14.7% a year on shareholders’ money.
How is the share priced?
11.0x
One share costs 11.0 times its yearly profit per share.
What Commercial Bancgroup, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 24, 2026
- Legal name
- Commercial Bancgroup, Inc.
- CIK
- 0001981546
Commercial Bancgroup, Inc. · CBK
Results and finances
The last 2 fiscal years. Amounts in USD.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Sales and profit | ||
| Revenue | $88.5M | $90.4M |
| Revenue growth | — | 2.1% |
| Net interest income | $77.6M | $80.4M |
| Net income | $31.4M | $37.2M |
| Net margin | 35.5% | 41.2% |
| Diluted EPS | $2.54 | $2.95 |
| Cash | ||
| Cash from operations | $38.7M | $37.1M |
| Capital expenditure | $3.0M | $1.9M |
| Free cash flow | $35.6M | $35.2M |
| FCF margin | 40.3% | 39.0% |
| Dividends paid | $2.0M | $2.0M |
| Share buybacks | $1.8M | $1.0M |
| Share count change | — | 3.4% |
| Debt and strength | ||
| Cash and short-term investments | $178M | $144M |
| Debt incl. finance leases | $109M | $167M |
| Deposits | $1.9B | $1.8B |
| Shareholders' equity | $220M | $285M |
| Returns and quality | ||
| Return on equity | 14.3% | 14.7% |
| Return on tangible equity | 15.3% | 13.6% |
| Efficiency ratio | 52.1% | 47.0% |
| Piotroski F-score | — | 4 |
Insiders bought, 12 months
$0.3M
3 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Commercial Bancgroup, Inc. · CBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $32.22 a share, the company is worth $441M: 11.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001981546). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.