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Commercial Bancgroup, Inc.
(NASDAQ:CBK)
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Rating:67Neutral
Price Target:
$35.00
▲(3.52% Upside)
Action:Downgraded
Date:10/27/26
CBK scores highest on financial performance, driven by strong and improving profitability and manageable leverage, but tempered by slowing revenue momentum and volatile recent free cash flow. Valuation is supportive with a reasonable P/E and a modest dividend. Technical indicators are mixed, with softer medium-term trend signals (below 50/100-day averages) and a slightly negative MACD keeping the overall score in the upper-middle range.
Positive Factors
Loan and Deposit Growth
Strong loan and deposit expansion indicates Commercial Bancgroup is gaining business within its regional franchise and deepening customer relationships. Growth in both assets and funding supports future interest income while reducing reliance on a stagnant balance sheet over the next several quarters.
Negative Factors
Slowing Revenue Momentum
The revenue decline signals that top-line expansion has recently weakened even as margins improved. If slower revenue momentum persists, it could limit operating leverage, constrain the pace of balance-sheet growth, and make future earnings increasingly dependent on efficiency gains rather than broader franchise expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Loan and Deposit Growth
Strong loan and deposit expansion indicates Commercial Bancgroup is gaining business within its regional franchise and deepening customer relationships. Growth in both assets and funding supports future interest income while reducing reliance on a stagnant balance sheet over the next several quarters.
Read all positive factors
Commercial Bancgroup, Inc. (CBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$447.21M
Dividend Yield0.98%
Average Volume (3M)38.72K
Price to Earnings (P/E)11.0
Beta (1Y)0.41
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. Volume36,930
30 Day Avg. Volume38,723
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 Cap1.04
Enterprise Value/Revenue3.62
Enterprise Value/Gross Profit5.09
Enterprise Value/Ebitda8.71
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.98
Revenue Forecast (FY)$96.70M
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
Positive
33.81
Price Trends
32.61
Positive
32.77
Negative
29.78
Positive
Market Momentum
-0.10
Negative
58.92
Neutral
78.02
Neutral
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 33.81 is above the 20-day moving average (MA) of 31.52, above the 50-day MA of 32.61, and above the 200-day MA of 29.78, indicating a bullish trend. The MACD of -0.10 indicates Negative momentum. The RSI at 58.92 is Neutral, neither overbought nor oversold. The STOCH value of 78.02 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.
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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $5.71B | 10.31 | 9.99% | 3.18% | 22.74% | 209.21% | |
75 Outperform | $3.94B | 7.96 | 15.94% | 0.90% | 2.42% | 29.18% | |
72 Outperform | $663.99M | 12.07 | 13.13% | 3.22% | 14.85% | 64.71% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $447.21M | 11.03 | 9.95% | 1.36% | ― | ― | |
67 Neutral | $2.75B | 12.29 | 13.31% | 4.03% | 0.70% | 38.51% | |
62 Neutral | $3.10B | 11.84 | 9.21% | 2.99% | -4.90% | 4.43% |
* Financial Sector Average
CBK
Commercial Bancgroup, Inc.
32.64
8.12
33.10%
ACNB
ACNB
65.29
22.62
53.02%
BFH
Bread Financial Holdings
102.61
38.40
59.80%
ASB
Associated Banc-Corp
30.21
6.05
25.03%
BOH
Bank Of Hawaii
70.03
6.92
10.96%
BKU
BankUnited
43.45
4.78
12.37%
Commercial Bancgroup, Inc. Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Commercial Bancgroup Reports Strong Q3 Earnings and Dividend
Positive
Oct 26, 2026
Commercial 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 Tenne...
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.