Commercial Bancgroup, Inc. (CBK) AI Stock Analysis

Commercial Bancgroup, Inc. operates as the bank holding company for Commercial Bank, delivering banking and financial services to individual and corporate clients across the United States. Its deposit offerings include demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit. On the lending side, the company originates real estate, commercial, and consumer loans, including installment loans, overdraft protection lines, and secured and unsecured personal lines of credit. It also provides treasury management services, remote deposit capture, automated teller machines, and digital banking services. Established in 1975, the institution is headquartered in Harrogate, Tennessee.

Between FY2023 and FY2025, revenue expanded at a 2-year CAGR of 8.3%. Annual revenue rose from $112.2M in FY2023 to $133.3M in FY2024 before falling 1.3% to $131.5M in FY2025. Over the same span, net income rose from $30.7M in FY2023 to $31.4M in FY2024 and reached $37.2M in FY2025, lifting net margin to 28.3%. For the latest quarter ended June 30, 2026, quarterly revenue grew 6.7% year-over-year, while quarterly earnings growth was 1.8%. TTM operating margin reached 55.1%, and return on equity stood at 14.6%.

As of June 30, 2026, Commercial Bancgroup held $161.3M in cash and short-term investments against total debt of $175.8M, resulting in net debt of $14.5M. Total assets stood at $2.38B, while shareholders' equity reached $302.6M. The bank reported a current ratio of 1.57 and a debt-to-equity ratio of 0.58. In FY2025, the company generated $37.1M in operating cash flow and $35.2M in free cash flow, deploying $1.9M to capital expenditures, $2.0M to dividends paid, and $980,800 to share buybacks.

At a share price of $31.61, Commercial Bancgroup holds a market capitalization of $433.1M and an enterprise value of $438.8M. The stock trades at a trailing P/E of 10.8x, compared to the median of 12.1x for its US-listed Financial Services peers. Its price-to-sales ratio stands at 4.7x, above the peer median of 3.2x, while its price-to-book ratio is 1.5x. Over the past year, the stock returned 31.7%, outperforming the S&P 500 benchmark return of 16.8%.

Commercial Bancgroup pays a quarterly dividend, supported by a forward annual payout of $0.32 per share. This represents a dividend yield of 1.02% based on the recent share price of $31.61. The dividend is backed by a conservative payout ratio of 10.8%. The company's last ex-dividend date was September 15, 2026.

Wall Street coverage includes 1 analyst rating, categorized as a Strong Buy. The mean price target is $40.00, implying upside of 26.5% from the last close of $31.61. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $96.7M and EPS of $2.98. For the next fiscal year, expectations project revenue of $102.2M and EPS of $3.18. Commercial Bancgroup beat EPS expectations in 3 of the last 4 quarters, with its next earnings date scheduled for October 26, 2026.

This page is an AI-written research summary of Commercial Bancgroup, Inc. (CBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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