Commercial Bancgroup, Inc. AI Stock Analysis
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Commercial Bancgroup, Inc. (CBK) AI Stock Analysis
Commercial Bancgroup, Inc.
(NASDAQ:CBK)
CBK scores well on the strength of its financial profile: expanding margins, consistent net income growth, mid-teens ROE, strong capitalization at about 12.7% equity-to-assets, and high-quality earnings backed by free cash flow. A reasonable P/E of 11.1 plus a modest dividend adds to the appeal, and the latest quarterly results showed improved net interest margin, double-digit loan growth and pristine credit quality. Technicals are mildly supportive, with the shares trading above their 50- and 200-day averages and neutral momentum readings. The main drags are a stalled top line since 2024, flat free cash flow despite rising profits, and increasing reliance on borrowings that has pushed leverage higher. No earnings call commentary was available, so that component was excluded and its weight redistributed.
Commercial Bancgroup, Inc. (CBK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $449.83M
- Dividend Yield
- 0.98%
- Average Volume (3M)
- 37.65K
- Price to Earnings (P/E)
- 11.1
- Beta (1Y)
- 0.40
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- US
- Employees
- 292
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Commercial Bancgroup, Inc. Business Overview & Revenue Model
Company Description
Commercial Bancgroup, Inc. serves as the holding company for Commercial Bank, which offers a comprehensive range of banking and financial services. These services are provided to both individual clients and corporate entities across Kentucky, North C...
How the Company Makes Money
Commercial Bancgroup, Inc. primarily makes money through its banking subsidiary by (1) earning net interest income—the spread between interest earned on loans and other interest-earning assets and interest paid on deposits and other funding sources—a...
Commercial Bancgroup, Inc. Financial Statement Overview
Summary
Solid and improving fundamentals. The income statement (76) shows consistent net income growth to roughly $40.5M on a TTM basis with net margin expanding to 31.1% and operating margin to 39.3%, though revenue has been flat-to-slightly-negative since 2024, meaning gains stem from margin and cost efficiency rather than business growth. The balance sheet (74) is well capitalized, with equity rising to $311M, or about 12.7% of assets, and ROE near 13.6%, offset by rising borrowings that lifted debt-to-equity from 0.50 to 0.68. Cash flow (68) is reliable, with free cash flow converting at 92%-95% of net income, but it has been flat for three consecutive years. Overall: a profitable, conservatively run regional bank whose next step depends on reigniting revenue and balance-sheet growth.
Income Statement
76PositiveBalance Sheet
74PositiveCash Flow
68Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 130.41M | 131.53M | 133.33M | 112.20M |
| Gross Profit | 93.67M | 90.21M | 85.87M | 78.39M |
| EBITDA | 54.40M | 51.12M | 45.17M | 43.23M |
| Net Income | 40.53M | 37.20M | 31.41M | 30.69M |
Balance Sheet | ||||
| Total Assets | 2.44B | 2.29B | 2.30B | 2.20B |
| Cash, Cash Equivalents and Short-Term Investments | 308.86M | 0 | 234.28M | 197.12M |
| Total Debt | 211.32M | 166.84M | 109.16M | 149.26M |
| Total Liabilities | 2.13B | 2.01B | 2.08B | 2.00B |
| Stockholders Equity | 311.31M | 285.09M | 220.26M | 190.38M |
Cash Flow | ||||
| Free Cash Flow | 33.76B | 35.23M | 35.63M | 35.72M |
| Operating Cash Flow | 33.76B | 37.09M | 38.68M | 38.89M |
| Investing Cash Flow | -107.17B | -32.66M | -84.93M | -127.96M |
| Financing Cash Flow | 69.04M | -38.31M | 68.51M | 183.10M |
Commercial Bancgroup, Inc. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBK, the sentiment is Positive. The current price of 32.74 is above the 20-day moving average (MA) of 32.53, above the 50-day MA of 32.40, and above the 200-day MA of 30.27, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 52.77 is Neutral, neither overbought nor oversold. The STOCH value of 31.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CBK.
Commercial Bancgroup, Inc. Risk Analysis
Commercial Bancgroup, Inc. disclosed 61 risk factors in its most recent earnings report. Commercial Bancgroup, Inc. reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksCommercial Bancgroup, Inc. Peers Comparison
Overall Rating
ACNB81Outperform
ASB79Outperform
BFH75Outperform- CBK74Outperform
BOH71Outperform
BKU60.9Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ACNB | 81Outperform | $678.37M | 12.34 | 13.13% | 3.14% | 14.87% | 64.71% |
| ASB | 79Outperform | $5.75B | 10.52 | 9.99% | 3.12% | 22.89% | 209.03% |
| BFH | 75Outperform | $3.71B | 7.58 | 15.94% | 0.94% | 2.42% | 29.18% |
| CBK | 74Outperform | $451.61M | 11.07 | 13.60% | 0.98% | ― | ― |
| BOH | 71Outperform | $2.74B | 12.18 | 13.31% | 4.03% | 0.73% | 38.51% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BKU | 61Neutral | $3.04B | 11.95 | 9.21% | 2.96% | -4.90% | 4.43% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CBK | Commercial Bancgroup, Inc. | 32.74 | 9.40 | 40.24% | |
| ACNB | ACNB Corp. | 67.20 | 23.08 | 52.31% | |
| BFH | Bread Financial Holdings Inc | 98.61 | 39.09 | 65.68% | |
| ASB | Associated Banc-corp | 30.94 | 7.64 | 32.77% | |
| BOH | Bank Of Hawaii | 69.47 | 8.72 | 14.35% | |
| BKU | Bankunited | 43.80 | 6.58 | 17.69% |
Commercial Bancgroup, Inc. Corporate Events
Commercial Bancgroup Reports Strong Q3 Earnings and Dividend
PositiveCommercial Bancgroup, Inc. is a Harrogate, Tennessee-based bank holding company that operates Commercial Bank, a Tennessee state-chartered institution serving consumer and commercial clients in select markets in Kentucky, North Carolina, and Tennesse...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 13, 2026