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Commercial Bancgroup, Inc. (CBK) AI Stock Analysis
Commercial Bancgroup, Inc.
(NASDAQ:CBK)
The score of 72 is driven primarily by solid financial performance with strong profitability and improving leverage, plus positive corporate events highlighting earnings growth and dividend declarations. Attractive valuation provides further support, while mixed technical signals limit upside.
Commercial Bancgroup, Inc. (CBK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $447.50M
- Dividend Yield
- 0.98%
- Average Volume (3M)
- 39.43K
- Price to Earnings (P/E)
- 11.0
- 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
Commercial Bancgroup demonstrates solid profitability with a 28.1% net profit margin and 36.3% operating margin, alongside an improving debt-to-equity ratio and strong free cash flow conversion, despite minor revenue decline.
Income Statement
75PositiveBalance Sheet
68PositiveCash Flow
70Positive| 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 | 30.68M | 35.23M | 35.63M | 35.72M |
| Operating Cash Flow | 32.51M | 37.09M | 38.68M | 38.89M |
| Investing Cash Flow | -149.90M | -32.66M | -84.93M | -127.96M |
| Financing Cash Flow | 132.72M | -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 32.64 is above the 20-day moving average (MA) of 32.08, above the 50-day MA of 32.49, and above the 200-day MA of 30.07, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 52.44 is Neutral, neither overbought nor oversold. The STOCH value of 57.39 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
BFH74.6Outperform- CBK72Outperform
BOH71Outperform
BKU60.9Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ACNB | 81Outperform | $686.57M | 12.11 | 13.13% | 3.21% | 14.85% | 64.71% |
| ASB | 79Outperform | $5.82B | 10.42 | 9.99% | 3.14% | 22.89% | 209.03% |
| BFH | 75Outperform | $3.98B | 7.96 | 15.94% | 0.90% | 2.42% | 29.18% |
| CBK | 72Outperform | $459.57M | 11.03 | 13.60% | 0.98% | ― | ― |
| BOH | 71Outperform | $2.79B | 12.27 | 13.31% | 4.00% | 0.73% | 38.51% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BKU | 61Neutral | $3.20B | 12.14 | 9.21% | 2.92% | -4.90% | 4.43% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CBK | Commercial Bancgroup, Inc. | 32.64 | 8.70 | 36.35% | |
| ACNB | ACNB Corp. | 65.49 | 20.30 | 44.92% | |
| BFH | Bread Financial Holdings Inc | 102.57 | 39.48 | 62.57% | |
| ASB | Associated Banc-corp | 30.54 | 5.85 | 23.67% | |
| BOH | Bank Of Hawaii | 69.94 | 6.70 | 10.60% | |
| BKU | Bankunited | 44.54 | 5.41 | 13.82% |
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...
Commercial Bancgroup Declares Dividend Amid Strong Q2 Results
PositiveCommercial 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 Carol...
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: Oct 27, 2026