Commercial Bancgroup, Inc. (CBK) stock analysis
Close on Nov 11, 2026Market cap $451.32MP/E 11.2Yield 0.52%
StockData Score
Prices as of Nov 11, 2026How the score works
Mixed10 of 30 checks passed
Commercial Bancgroup passes 10 of the 30 checks behind our score; 12 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 0/6
- Past performance
- 3/6
- Financial health
- 3/6
- Dividend
- 3/6
What stands out
Modest borrowings
Borrowings other than deposits are 58.1% of equity.
P/E below the industry
Commercial Bancgroup's P/E of 11.2 is below the Commercial Banks median of 12.1.
Covered by free cash flow
Dividends take 7.1% of free cash flow.
Covered by earnings
Dividends take 7.0% of net income.
What to watch
Margin of safety under 20%
The price is 3.1% above fair value, so there is no margin of safety.
Trading above fair value
The share price of $32.94 is above our fair value estimate of $31.96.
P/S above the industry
Commercial Bancgroup's price-to-sales of 4.83 is above the Commercial Banks median of 3.60.
P/B above the industry
Commercial Bancgroup's price-to-book of 1.49 is above the Commercial Banks median of 1.29.
Valuation1/6
P/E against its history
Not enough price and earnings history to compare.
P/E below the industry
Commercial Bancgroup's P/E of 11.2 is below the Commercial Banks median of 12.1.
P/S above the industry
Commercial Bancgroup's price-to-sales of 4.83 is above the Commercial Banks median of 3.60.
P/B above the industry
Commercial Bancgroup's price-to-book of 1.49 is above the Commercial Banks median of 1.29.
Trading above fair value
The share price of $32.94 is above our fair value estimate of $31.96.
Margin of safety under 20%
The price is 3.1% above fair value, so there is no margin of safety.
Growth0/6
Revenue growth over 3 years
Needs three years of positive revenue.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew 5.4% over the last twelve months; the Commercial Banks median is 11.3%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance3/6
Return on equity
Needs positive equity and five years of results.
Return on assets over 1%
Return on assets was 1.7%; for a bank or insurer, 1% or more is considered good.
Return on equity above the industry
Commercial Bancgroup's return on equity of 15.1% is above the Commercial Banks median of 11.5%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin above the industry
Commercial Bancgroup's net margin of 42.1% is above the Commercial Banks median of 30.3%.
Financial health3/6
Well capitalized
Equity is 12.7% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Needs loans and deposits.
Adequate loan-loss reserve
The allowance for credit losses is not reported.
Efficient operations
Non-interest expense takes 46.1% of revenue; under 60% is efficient for a bank.
Deposits shrinking
Deposits fell 3.4% over the past year.
Modest borrowings
Borrowings other than deposits are 58.1% of equity.
Dividend3/6
Pays a dividend
Commercial Bancgroup paid dividends worth 1.0% of the share price over the last twelve months.
Yield below Treasuries
The 1.0% yield is below the 4.4% on a 1-year Treasury.
Yield below the top quarter
The top quarter of US dividend payers yield 3.8% or more; Commercial Bancgroup yields 1.0%.
Dividend stability
Fewer than five years of dividend history.
Covered by earnings
Dividends take 7.0% of net income.
Covered by free cash flow
Dividends take 7.1% of free cash flow.
Fair value
How we estimate itOur estimate per share
$31.96
The share price is 3% above this estimate.
| Method | Multiple used | Own 5Y median | Industry median | Value per share | Weight |
|---|---|---|---|---|---|
| P/E | 12.1× | – | 12.1× | $35.51 | 50% |
| P/B | 1.3× | – | 1.3× | $28.40 | 50% |
| Fair value | $31.96 | 100% | |||
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Commercial Banks median 12.1
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $1.12M
- Value traded per 1% price move
- $1.09M
Downside
Low risk
- Typical loss in a bad month
- 7.9%
- Volatility (annualized)
- 22%
- Sharpe ratio, 1 year
- 1.47
- Beta to the S&P 500 (5Y)
- 0.40
Margins
Share of revenue, fiscal years 2023 to 2025
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +2.1% | – | – | – | |
| Net income | +18.4% | – | – | – | |
| EPS, diluted | +16.1% | – | – | – | |
| Free cash flow | -1.1% | – | – | – | |
| Dividend per share | +6.3% | – | – | – |
Returns and balance sheet
3 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2023 | FY2023 | FY2025 | Trend |
|---|---|---|---|---|
| Debt to equity | – | – | 0.58 | |
| Capex to revenue | – | – | 2.1% | |
| Diluted shares | – | – | 13M |
Cash use needs five years of cash flow figures
Commercial Bancgroup does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 41.2% | 0.04× | 9.08× | 14.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$37.20M
- Cash generatingOperating cash flow above zero$37.09M
- Return on assets improvedROA up on the prior year– → 1.6%
- Earnings backed by cashOperating cash flow above net income$37.09M vs $37.20M
- Less leverageLong-term debt to assets fell4.6% → 3.4%
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise12M → 13M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → 0.04
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