Commercial Bancgroup, Inc. (CBK) Balance Sheet
CBK balance sheet, 2025
December 31, 2025 · U.S. dollars$2.29B assets = $2.01B liabilities + $285.1M equity
Both columns are drawn to the same scale: what CBK owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CBK financial health
Descriptive bands, not a rating. Fiscal 2025.
CBK balance sheet trends, 2023–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $2.20B2023 | $2.29B2025 | +2.1%/yr | |
| Total liabilities | $2.00B2023 | $2.01B2025 | +0.1%/yr | |
| Shareholders’ equity | $190.4M2023 | $285.1M2025 | +22.4%/yr | |
| Cash & short-term investments | $197.1M2023 | $162.1M2025 | −9.3%/yr | |
| Total debt | $149.3M2023 | $166.8M2025 | +5.7%/yr | |
| Net cash (debt) | $47.9M2023 | −$4.7M2025 | −$52.6M | |
| Working capital | −$1.62B2023 | −$860.6M2025 | +$763.6M | |
| Book value per share | $15.572023 | $20.612025 | +15.0%/yr | |
| Debt / equity | 0.782023 | 0.592025 | −0.20 | |
| Shares outstanding | 12.2M2023 | 13.8M2025 | +6.4%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CBK assets
CBK liabilities and equity
CBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CBK balance sheet
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Assets | |||
| Cash & short-term investments | $162.1M | $234.3M | $197.1M |
| Cash & equivalents | $119.0M | $134.5M | $145.1M |
| Short-term investments | $43.1M | $99.8M | $52.0M |
| Receivables | $7.5M | $7.2M | $8.2M |
| Inventory | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 |
| Total current assets | $144.6M | $241.5M | $205.4M |
| Property, plant & equipment (net) | $49.8M | $50.3M | $52.3M |
| Goodwill & intangible assets | $21.3M | $13.9M | $16.1M |
| Long-term investments | $140.9M | $176.2M | $210.7M |
| Other non-current assets | $1.93B | $1.82B | $1.71B |
| Total assets | $2.29B | $2.30B | $2.20B |
| Liabilities | |||
| Accounts payable | $3.0M | $4.2M | $3.6M |
| Short-term debt | $88.3M | $3.4M | $6.0M |
| Total current liabilities | $1.01B | $1.95B | $1.83B |
| Long-term debt | $148.0M | $105.8M | $143.2M |
| Other long-term liabilities | $852.8M | $29.0M | $28.0M |
| Total liabilities | $2.01B | $2.08B | $2.00B |
| Shareholders' equity | |||
| Common stock & paid-in capital | $137,000 | $121,131 | $122,118 |
| Retained earnings (deficit) | $247.3M | $212.3M | $182.9M |
| Accumulated other comprehensive income | −$675,000 | −$1.6M | −$1.7M |
| Minority interest | $0 | $0 | $5.4M |
| Total shareholders' equity | $285.1M | $220.3M | $190.4M |
| Key figures | |||
| Total debt | $166.8M | $109.2M | $149.3M |
| Net cash (debt) | −$4.7M | $125.1M | $47.9M |
| Working capital | −$860.6M | −$1.70B | −$1.62B |
| Tangible book value | $263.8M | $206.3M | $174.2M |
| Book value per share | $20.61 | $17.81 | $15.57 |
| Shares outstanding | 13.8M | 12.4M | 12.2M |
| Current ratio | 0.14 | 0.12 | 0.11 |
| Quick ratio | 0.17 | 0.12 | 0.11 |
| Debt / equity | 0.59 | 0.50 | 0.78 |
| Equity / assets | 12.4% | 9.6% | 8.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Cash & short-term investments | $161.3M | $21.9M | $162.1M | $196.1M | $199.4M | $209.4M | $182.4M |
| Cash & equivalents | $161.3M | $21.9M | $119.0M | $122.9M | $108.5M | $113.2M | $134.5M |
| Short-term investments | $75.5M | $78.2M | $43.1M | $73.1M | $90.9M | $96.2M | $47.9M |
| Receivables | $7.1M | $7.6M | $7.5M | $7.1M | $7.1M | $7.1M | $7.2M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $161.3M | $29.5M | $144.6M | $203.2M | $206.4M | $216.6M | $189.6M |
| Property, plant & equipment (net) | $50.1M | $49.4M | $49.8M | $50.3M | $50.3M | $50.0M | $50.3M |
| Goodwill & intangible assets | $12.0M | $12.4M | $21.3M | $13.1M | $13.5M | $13.9M | $13.9M |
| Long-term investments | $132.9M | $138.6M | $140.9M | $161.5M | $187.6M | $188.8M | $176.2M |
| Other non-current assets | $2.02B | $2.10B | $1.93B | $1.79B | $1.80B | $1.80B | $1.87B |
| Total assets | $2.38B | $2.33B | $2.29B | $2.21B | $2.26B | $2.27B | $2.30B |
| Liabilities | |||||||
| Accounts payable | $2.6M | $2.6M | $3.0M | $3.4M | $4.5M | $5.2M | $4.2M |
| Short-term debt | $102.6M | $62.7M | $88.3M | $62.7M | $46.3M | $5.9M | $3.4M |
| Total current liabilities | $102.6M | $62.7M | $1.01B | $1.85B | $1.90B | $1.91B | $1.95B |
| Long-term debt | $161.2M | $100.9M | $148.0M | $94.5M | $102.2M | $103.2M | $100.3M |
| Other long-term liabilities | $1.81B | $1.87B | $852.8M | $28.0M | $22.9M | $24.2M | $34.5M |
| Total liabilities | $2.07B | $2.04B | $2.01B | $1.97B | $2.03B | $2.04B | $2.08B |
| Shareholders' equity | |||||||
| Common stock & paid-in capital | $137,000 | $136,980 | $137,000 | $122,396 | $122,396 | $476,100 | $121,131 |
| Retained earnings (deficit) | $264.5M | $255.7M | $247.3M | $237.4M | $227.9M | $219.0M | $212.3M |
| Accumulated other comprehensive income | −$717,000 | −$825,044 | −$675,000 | −$741,431 | −$1.2M | −$1.3M | −$1.6M |
| Minority interest | — | — | $0 | $0 | $0 | — | — |
| Total shareholders' equity | $302.6M | $293.5M | $285.1M | $245.2M | $235.3M | $226.2M | $220.3M |
| Key figures | |||||||
| Total debt | $175.8M | $118.2M | $166.8M | $157.2M | $148.5M | $109.1M | $103.7M |
| Net cash (debt) | −$14.5M | −$96.4M | −$4.7M | $38.9M | $50.9M | $100.3M | $78.7M |
| Working capital | $58.8M | −$33.2M | −$860.6M | −$1.64B | −$1.70B | −$1.70B | −$1.76B |
| Tangible book value | $290.6M | $281.1M | $263.8M | $232.0M | $221.7M | $212.2M | $206.3M |
| Book value per share | $22.05 | $21.41 | $20.61 | $20.03 | $17.86 | $17.17 | $17.25 |
| Shares outstanding | 13.7M | 13.7M | 13.8M | 12.2M | 13.2M | 13.2M | 12.8M |
| Current ratio | 1.57 | 0.47 | 0.14 | 0.11 | 0.11 | 0.11 | 0.10 |
| Quick ratio | 1.64 | 0.47 | 0.17 | 0.11 | 0.11 | 0.11 | 0.10 |
| Debt / equity | 0.58 | 0.40 | 0.59 | 0.64 | 0.63 | 0.48 | 0.47 |
| Equity / assets | 12.7% | 12.6% | 12.4% | 11.1% | 10.4% | 10.0% | 9.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 24, 2026); data from EODHD.
CBK financial position
At the end of fiscal 2025 (December 31, 2025), Commercial Bancgroup had total assets of $2.3 billion (down 0.4% from a year earlier), total liabilities of $2.0 billion and shareholders' equity of $285.1 million. It held $162.1 million in cash and short-term investments against $166.8 million of debt, net debt of $4.7 million. Its current ratio was 0.14. In the latest quarter (ended June 30, 2026) total assets were $2.4 billion and equity $302.6 million.
Related: CBK income statement, CBK cash flow statement, CBK key metrics. See the CBK stock overview for the latest quote and news.
CBK balance sheet FAQ
What are Commercial Bancgroup's total assets?
Commercial Bancgroup reported total assets of $2.3 billion at the end of fiscal 2025 (December 31, 2025), compared with $2.3 billion a year earlier.
How much debt does Commercial Bancgroup have?
Commercial Bancgroup had $166.8 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.59.
How much cash does Commercial Bancgroup have?
Commercial Bancgroup held $162.1 million in cash and short-term investments at the end of fiscal 2025; with $166.8 million of debt that is net debt of $4.7 million.
What is Commercial Bancgroup's book value?
Commercial Bancgroup's shareholders' equity (book value) was $285.1 million at the end of fiscal 2025, or $20.61 per share.
What is Commercial Bancgroup's current ratio?
Commercial Bancgroup had current assets of $144.6 million and current liabilities of $1.0 billion, a current ratio of 0.14 (current liabilities exceed current assets).
How much goodwill does Commercial Bancgroup have?
Commercial Bancgroup carried $21.3 million of goodwill and intangible assets, 0.9% of total assets, at the end of fiscal 2025.