Symbols / CBK Stock $28.84 -0.83% Commercial Bancgroup, Inc.

Financial Services • Banks - Regional • United States • NCM
CBK (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Terry L. Lee
Exch · Country NCM · United States
Market Cap 395.05M
Enterprise Value 418.92M
Income 37.20M
Sales 89.90M
FCF (ttm) —
Book/sh 20.83
Cash/sh 11.57
Employees 281
Insider 10d —
IPO Oct 02, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 9.78
Forward P/E 9.21
PEG —
P/S 4.39
P/B 1.38
P/C —
EV/EBITDA —
EV/Sales 4.66
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.95
EPS next Y 3.13
EPS Growth 60.00%
Revenue Growth 1.00%
EPS Gr Q/Q 80.70%
Rev Gr Q/Q —
Earnings (next) 2026-04-27
Earnings (prior) 2026-01-26
ROA 1.62%
ROE 14.71%
ROIC —
Gross Margin 0.00%
Oper. Margin 54.81%
Profit Margin 41.38%
Shs Outstand 13.70M
Shs Float 8.66M
Insider Own 54.41%
Instit Own 51.97%
Short Float 1.99%
Short Ratio 2.90
Short Interest 173.87K
52W High 29.89
vs 52W High -3.51%
52W Low 23.23
vs 52W Low 24.12%
Beta —
Impl. Vol. —
Rel Volume 0.44
Avg Volume 54.21K
Volume 23.65K
Target (mean) $33.00
Tgt Median $33.00
Tgt Low $33.00
Tgt High $33.00
# Analysts 1
Recom None
Prev Close $29.08
Price $28.84
Change -0.83%
About

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 Kentucky, North Carolina, and Tennessee. It accepts various deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit products. The company also offers real estate, commercial, and consumer loans, including installment loans, personal lines of credit, and overdraft protection lines. In addition, the company provides treasury management services, remote deposit capture, internet and mobile 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. The company was incorporated in 1975 and is based in Harrogate, Tennessee.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$33.00
Mean price target
2. Current target
$28.84
Latest analyst target
3. DCF / Fair value
$44.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$28.84
Low
$33.00
High
$33.00
Mean
$33.00
News
RSS: Latest CBK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-01-30 ROBERTSON JOHN ADAM Officer, Director and Beneficial Owner — 266 $26.20 $6,969
2026-01-28 ROBERTSON DENNIS MICHAEL Director — 450 $25.64 $11,538
2025-12-31 METHENY PHILIP J. CPA Chief Financial Officer — 1,119 $0.00 $0
2025-12-31 SPRINKLE RICHARD C. JR. Officer — 1,119 $0.00 $0
2025-11-24 SHOFFNER JAMES JEFFREY Director — 469 $0.00 $0
2025-11-24 NEELY ALAN C. Director — 469 $0.00 $0
2025-11-24 SPURLOCK MARTHA S. Director and Beneficial Owner of more than 10% of a Class of Security — 469 $0.00 $0
2025-11-24 ROBERTSON DENNIS MICHAEL Director — 469 $0.00 $0
2025-11-24 YATES CHARLES L. Director — 469 $0.00 $0
2025-11-24 MARS SAM A. III Director — 469 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Revenue
90.32
+2.99%
87.70
+7.39%
81.67
Operating Revenue
90.32
+2.99%
87.70
+7.39%
81.67
Selling General And Administration
23.74
-8.71%
26.00
+19.37%
21.78
General And Administrative Expense
23.74
-8.71%
26.00
+19.37%
21.78
Salaries And Wages
22.76
-8.48%
24.87
+19.89%
20.75
Reconciled Depreciation
3.71
-9.81%
4.11
+16.10%
3.54
Total Unusual Items
0.20
-78.24%
0.91
+389.72%
0.19
Total Unusual Items Excluding Goodwill
0.20
-78.24%
0.91
+389.72%
0.19
Special Income Charges
0.04
-95.05%
0.76
+1319.59%
0.05
Other Special Charges
-0.04
+95.05%
-0.76
-1319.59%
-0.05
Net Income
37.20
+18.42%
31.41
+2.34%
30.69
Pretax Income
47.42
+16.87%
40.57
+2.22%
39.69
Net Interest Income
79.81
+2.87%
77.58
+7.60%
72.10
Interest Expense
41.17
-9.77%
45.63
+49.43%
30.54
Interest Income
120.98
-1.81%
123.21
+20.05%
102.64
Gain On Sale Of Security
0.00
—
—
Tax Provision
10.22
+15.02%
8.89
+4.79%
8.48
Tax Rate For Calcs
0.00
-1.58%
0.00
+2.52%
0.00
Tax Effect Of Unusual Items
0.04
-78.59%
0.20
+402.04%
0.04
Net Income Including Noncontrolling Interests
37.20
+17.39%
31.69
+1.52%
31.21
Net Income From Continuing Operation Net Minority Interest
37.20
+18.42%
31.41
+2.34%
30.69
Net Income From Continuing And Discontinued Operation
37.20
+18.42%
31.41
+2.34%
30.69
Net Income Continuous Operations
37.20
+17.39%
31.69
+1.52%
31.21
Minority Interests
0.00
+100.00%
-0.28
+46.86%
-0.52
Normalized Income
37.04
+20.66%
30.70
+0.49%
30.55
Net Income Common Stockholders
37.20
+18.42%
31.41
+2.34%
30.69
Diluted EPS
2.95
+16.14%
2.54
+2.34%
2.48
Basic EPS
2.95
+14.34%
2.58
+2.34%
2.52
Basic Average Shares
12.61
+3.57%
12.17
+0.00%
12.17
Diluted Average Shares
12.61
+1.96%
12.37
+0.00%
12.37
Diluted NI Availto Com Stockholders
37.20
+18.42%
31.41
+2.34%
30.69
Depreciation Amortization Depletion Income Statement
3.71
-9.81%
4.11
+35.18%
3.04
Depreciation And Amortization In Income Statement
3.71
-9.81%
4.11
+35.18%
3.04
Insurance And Claims
0.97
-13.87%
1.13
+9.00%
1.04
Occupancy And Equipment
3.26
-13.80%
3.79
+12.66%
3.36
Other Non Interest Expense
10.93
-1.97%
11.15
+20.17%
9.28
Professional Expense And Contract Services Expense
0.85
-16.80%
1.02
-21.52%
1.30
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
2,291.45
-0.42%
2,301.21
+4.76%
2,196.61
Cash And Cash Equivalents
118.99
-11.50%
134.46
-7.32%
145.08
Cash Financial
26.39
+38.97%
18.99
+28.92%
14.73
Other Short Term Investments
43.14
-56.79%
99.82
+91.82%
52.04
Receivables
7.45
+3.67%
7.19
-12.78%
8.24
Accounts Receivable
7.45
+3.67%
7.19
-12.78%
8.24
Net PPE
49.77
-1.04%
50.29
-3.78%
52.26
Gross PPE
79.21
+0.87%
78.53
-6.09%
83.62
Accumulated Depreciation
-29.45
-4.28%
-28.24
+9.94%
-31.36
Land And Improvements
17.20
-0.87%
17.35
+12.10%
15.48
Buildings And Improvements
48.31
+2.44%
47.16
-0.62%
47.45
Machinery Furniture Equipment
13.29
-2.01%
13.56
-5.52%
14.35
Construction In Progress
0.42
-9.38%
0.46
-92.75%
6.34
Goodwill And Other Intangible Assets
12.77
-8.44%
13.94
-13.63%
16.14
Goodwill
8.51
-0.04%
8.51
+0.04%
8.51
Other Intangible Assets
4.26
-21.61%
5.43
-28.86%
7.63
Investments And Advances
140.86
-20.03%
176.15
-16.38%
210.67
Total Liabilities Net Minority Interest
2,006.11
-3.60%
2,080.96
+4.00%
2,000.83
Payables And Accrued Expenses
2.96
-29.89%
4.22
+15.95%
3.64
Payables
2.96
-29.89%
4.22
+15.95%
3.64
Accounts Payable
2.96
-29.89%
4.22
+15.95%
3.64
Long Term Debt And Capital Lease Obligation
148.01
+39.93%
105.77
-26.15%
143.22
Long Term Debt
148.01
+39.93%
105.77
-26.15%
143.22
Preferred Securities Outside Stock Equity
5.58
—
—
Stockholders Equity
285.34
+29.55%
220.26
+15.70%
190.38
Common Stock Equity
285.34
+29.55%
220.26
+15.70%
190.38
Capital Stock
0.14
+13.08%
0.12
-0.81%
0.12
Common Stock
0.14
+13.08%
0.12
-0.81%
0.12
Share Issued
13.70
+3.98%
13.17
+0.00%
13.17
Ordinary Shares Number
13.70
+3.98%
13.17
+0.00%
13.17
Additional Paid In Capital
38.38
+308.78%
9.39
+3.47%
9.07
Retained Earnings
247.51
+16.58%
212.31
+16.08%
182.90
Gains Losses Not Affecting Retained Earnings
-0.67
+56.86%
-1.56
+9.27%
-1.72
Minority Interest
0.00
0.00
-100.00%
5.40
Other Equity Adjustments
-0.67
+56.86%
-1.56
+9.27%
-1.72
Total Equity Gross Minority Interest
285.34
+29.55%
220.26
+12.50%
195.78
Total Capitalization
433.35
+32.92%
326.03
-2.27%
333.59
Invested Capital
433.35
+32.92%
326.03
-2.27%
333.59
Total Debt
148.01
+39.93%
105.77
-26.15%
143.22
Net Debt
29.02
—
—
Net Tangible Assets
272.58
+32.12%
206.31
+18.41%
174.23
Tangible Book Value
272.58
+32.12%
206.31
+18.41%
174.23
Available For Sale Securities
—
13.76
—
Cash Cash Equivalents And Federal Funds Sold
155.69
-16.50%
186.46
+12.97%
165.05
Held To Maturity Securities
97.73
+56.19%
62.57
-60.56%
158.63
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Operating Cash Flow
37.09
-4.09%
38.68
-0.54%
38.89
Cash Flow From Continuing Operating Activities
37.09
-4.09%
38.68
-0.54%
38.89
Net Income From Continuing Operations
37.20
+17.39%
31.69
+1.52%
31.21
Depreciation Amortization Depletion
3.71
-9.81%
4.11
+16.10%
3.54
Depreciation
2.14
-7.13%
2.30
+8.80%
2.12
Amortization Cash Flow
1.57
-13.21%
1.81
+26.93%
1.42
Depreciation And Amortization
3.71
-9.81%
4.11
+16.10%
3.54
Amortization Of Intangibles
1.57
-13.21%
1.81
+26.93%
1.42
Other Non Cash Items
-0.16
-4.99%
-0.15
-15.39%
-0.13
Stock Based Compensation
0.12
-94.20%
2.14
+367.38%
0.46
Asset Impairment Charge
0.00
-89.22%
0.04
-47.19%
0.08
Deferred Tax
-0.23
—
—
Deferred Income Tax
-0.23
—
—
Operating Gains Losses
-0.04
+95.05%
-0.76
-730.01%
0.12
Gain Loss On Sale Of PPE
-0.04
+95.05%
-0.76
-1319.59%
-0.05
Change In Working Capital
-2.33
-230.49%
-0.70
-309.50%
0.34
Change In Receivables
-0.26
-125.04%
1.05
+152.64%
-2.00
Changes In Account Receivables
-0.26
-125.04%
1.05
+152.64%
-2.00
Change In Payables And Accrued Expense
-1.26
-207.77%
1.17
-59.34%
2.88
Change In Payable
-1.26
-207.77%
1.17
-59.34%
2.88
Change In Account Payable
-1.26
-207.77%
1.17
-59.34%
2.88
Change In Other Working Capital
-1.29
-7.79%
-1.20
+27.84%
-1.66
Change In Other Current Assets
8.62
+586.19%
-1.77
-115.39%
11.52
Change In Other Current Liabilities
-8.13
-787.45%
1.18
+112.20%
-9.70
Investing Cash Flow
-32.66
+61.54%
-84.93
+33.62%
-127.96
Cash Flow From Continuing Investing Activities
-32.66
+61.54%
-84.93
+33.62%
-127.96
Net PPE Purchase And Sale
-1.58
-464.06%
0.43
+114.09%
-3.07
Purchase Of PPE
-1.87
+38.67%
-3.04
+3.94%
-3.17
Sale Of PPE
0.29
-91.70%
3.47
+3696.97%
0.09
Capital Expenditure
-1.87
+38.67%
-3.04
+3.94%
-3.17
Net Investment Purchase And Sale
37.82
+11.11%
34.04
+81.97%
18.71
Purchase Of Investment
-134.95
-185.48%
-47.27
-183.94%
-16.65
Sale Of Investment
172.78
+112.48%
81.31
+129.98%
35.36
Net Business Purchase And Sale
—
0.00
-100.00%
7.97
Net Other Investing Changes
-1.31
-178.13%
1.68
-43.87%
2.99
Financing Cash Flow
-38.31
-155.92%
68.51
-62.58%
183.10
Cash Flow From Continuing Financing Activities
-38.31
-155.92%
68.51
-62.58%
183.10
Net Issuance Payments Of Debt
57.67
+241.74%
-40.69
-709.42%
6.68
Issuance Of Debt
193.29
+170.30%
71.51
-32.61%
106.11
Repayment Of Debt
-135.61
-20.87%
-112.20
-12.84%
-99.43
Long Term Debt Issuance
8.33
+288.19%
2.15
-92.09%
27.13
Long Term Debt Payments
-35.52
+11.61%
-40.18
-114.13%
-18.76
Net Long Term Debt Issuance
-27.19
+28.53%
-38.03
-554.63%
8.37
Short Term Debt Issuance
184.95
+166.66%
69.36
-12.18%
78.98
Short Term Debt Payments
-100.09
-38.99%
-72.02
+10.73%
-80.67
Net Short Term Debt Issuance
84.86
+3296.27%
-2.65
-57.17%
-1.69
Net Common Stock Issuance
28.88
+1678.31%
-1.83
-202.57%
1.78
Common Stock Payments
-0.98
+46.40%
-1.83
+13.08%
-2.11
Common Stock Dividend Paid
-2.00
—
—
Cash Dividends Paid
-2.00
+0.03%
-2.00
-33.93%
-1.50
Repurchase Of Capital Stock
-0.98
+46.40%
-1.83
+13.08%
-2.11
Net Other Financing Charges
—
-5.68
—
Changes In Cash
-33.88
-252.22%
22.26
-76.33%
94.03
Beginning Cash Position
178.20
+14.27%
155.94
+151.88%
61.91
End Cash Position
144.32
-19.01%
178.20
+14.27%
155.94
Free Cash Flow
35.23
-1.14%
35.63
-0.24%
35.72
Interest Paid Supplemental Data
42.44
-4.55%
44.46
+60.87%
27.64
Income Tax Paid Supplemental Data
9.50
-2.56%
9.75
+43.36%
6.80
Amortization Of Securities
-1.64
-439.46%
0.48
—
Common Stock Issuance
29.86
0.00
-100.00%
3.89
Issuance Of Capital Stock
29.86
0.00
-100.00%
3.89
Sale Of Business
—
0.00
-100.00%
7.97
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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