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Commercial Bancgroup, Inc.
(NASDAQ:CBK)
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Rating:77Outperform
Price Target:
$35.00
▲(3.52% Upside)
Action:Reiterated
Date:07/28/26
The score is driven mainly by solid underlying financial performance (strong profitability and balance-sheet resilience, despite softer revenue and choppy free cash flow) and a favorable valuation profile (moderate P/E with a very high dividend yield). Technicals are supportive, with the stock above major moving averages, but limited by missing momentum indicator data.
Positive Factors
Profitability improvement
Improving margins and higher net income indicate that the bank is converting its revenue base into earnings more efficiently. This strengthens internal capital generation and provides a durable foundation for funding growth, absorbing credit costs, and supporting shareholder distributions over coming quarters.
Negative Factors
Slowing revenue momentum
A revenue decline after prior growth suggests that top-line expansion has recently weakened, even as profitability improved. If this persists, it could constrain operating leverage and reduce the bank’s ability to grow earnings without relying on further margin gains or expense control.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability improvement
Improving margins and higher net income indicate that the bank is converting its revenue base into earnings more efficiently. This strengthens internal capital generation and provides a durable foundation for funding growth, absorbing credit costs, and supporting shareholder distributions over coming quarters.
Read all positive factors
Commercial Bancgroup, Inc. (CBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$423.23M
Dividend Yield1.04%
Average Volume (3M)38.48K
Price to Earnings (P/E)10.5
Beta (1Y)0.46
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees293
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.94
Shares Outstanding13,701,269
10 Day Avg. Volume31,370
30 Day Avg. Volume38,481
Financial Highlights & Ratios
PEG Ratio0.62
Price to Book (P/B)1.19
Price to Sales (P/S)2.58
P/FCF Ratio9.65
Enterprise Value/Market Cap1.41
Enterprise Value/Revenue4.63
Enterprise Value/Gross Profit6.51
Enterprise Value/Ebitda11.14
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.93
Revenue Forecast (FY)$95.40M
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, Nort...
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 source...
Commercial Bancgroup, Inc. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
70
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 128.90M | 131.53M | 133.33M | 112.20M |
| Gross Profit | 91.66M | 90.21M | 85.87M | 78.39M |
| EBITDA | 53.56M | 51.12M | 45.17M | 43.23M |
| Net Income | 39.13M | 37.20M | 31.41M | 30.69M |
Balance Sheet | ||||
| Total Assets | 2.38B | 2.29B | 2.30B | 2.20B |
| Cash, Cash Equivalents and Short-Term Investments | 161.33M | 0.00 | 234.28M | 197.12M |
| Total Debt | 175.82M | 166.84M | 109.16M | 149.26M |
| Total Liabilities | 2.07B | 2.01B | 2.08B | 2.00B |
| Stockholders Equity | 302.62M | 285.09M | 220.26M | 190.38M |
Cash Flow | ||||
| Free Cash Flow | 38.58M | 35.23M | 35.63M | 35.72M |
| Operating Cash Flow | 40.89M | 37.09M | 38.68M | 38.89M |
| Investing Cash Flow | -98.42M | -32.66M | -84.93M | -127.96M |
| Financing Cash Flow | 76.35M | -38.31M | 68.51M | 183.10M |
Commercial Bancgroup, Inc. Technical Analysis
Negative
33.81
Price Trends
33.40
Negative
32.43
Negative
29.33
Positive
Market Momentum
-0.62
Positive
33.83
Neutral
27.13
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBK, the sentiment is Negative. The current price of 33.81 is above the 20-day moving average (MA) of 32.04, above the 50-day MA of 33.40, and above the 200-day MA of 29.33, indicating a neutral trend. The MACD of -0.62 indicates Positive momentum. The RSI at 33.83 is Neutral, neither overbought nor oversold. The STOCH value of 27.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Commercial Bancgroup, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $423.23M | 10.51 | 13.90% | 1.04% | ― | ― | |
76 Outperform | $2.64B | 12.34 | 12.78% | 4.19% | 1.90% | 41.02% | |
74 Outperform | $3.86B | 7.78 | 17.04% | 0.91% | 0.85% | 117.85% | |
72 Outperform | $633.48M | 11.78 | 13.02% | 3.37% | 24.95% | 95.35% | |
69 Neutral | $5.41B | 9.93 | 9.86% | 3.35% | 20.11% | 273.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $3.01B | 11.70 | 9.04% | 3.07% | -5.21% | 6.73% |
* Financial Sector Average
CBK
Commercial Bancgroup, Inc.
30.89
6.41
26.17%
ACNB
ACNB
62.29
20.25
48.15%
BFH
Bread Financial Holdings
100.58
44.79
80.30%
ASB
Associated Banc-Corp
28.65
4.15
16.93%
BOH
Bank Of Hawaii
66.81
5.69
9.31%
BKU
BankUnited
42.28
4.75
12.66%
Commercial Bancgroup, Inc. Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Commercial Bancgroup Declares Dividend Amid Strong Q2 Results
Positive
Jul 27, 2026
Commercial Bancgroup, Inc., the Harrogate, Tennessee-based parent of Commercial Bank, reported solid second-quarter 2026 performance that underscored its positioning as a growing regional bank serving consumers and businesses in Kentucky, North Ca...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.