Commercial Bancgroup, Inc. (CBK) Income Statement
CBK 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCBK revenue and net income
Where CBK's revenue goes
2025Each bar shows an amount and its share of revenue. CBK kept 28.3% of revenue as net income.
CBK profit margins
CBK growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | −1.3% | — | — | — |
| Gross profit | +5.1% | — | — | — |
| Operating income | +16.9% | — | — | — |
| Net income | +18.4% | — | — | — |
| EPS (diluted) | −9.3% | — | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CBK quarterly EPS vs estimates
Commercial Bancgroup beat the analyst EPS estimate in 4 of the last 5 quarters. Next report: October 26, 2026 (estimate $0.74).
CBK income statement
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Revenue | $131.5M | $133.3M | $112.2M |
| Cost of revenue | $41.3M | $47.5M | $33.8M |
| Gross profit | $90.2M | $85.9M | $78.4M |
| Sales, general & admin | $26.0M | $26.0M | $21.8M |
| Total operating expenses | $42.5M | $45.3M | $38.7M |
| Operating income | $47.4M | $40.6M | $39.7M |
| Interest income | $121.0M | $123.2M | $102.6M |
| Interest expense | $41.2M | $45.6M | $30.5M |
| Income before taxes | $47.4M | $40.6M | $39.7M |
| Income taxes | $10.2M | $8.9M | $8.5M |
| Net income | $37.2M | $31.4M | $30.7M |
| EBITDA | $51.1M | $45.2M | $43.2M |
| EPS (diluted) | $2.23 | $2.46 | $2.56 |
| Gross margin | 68.6% | 64.4% | 69.9% |
| Operating margin | 36.0% | 30.4% | 35.4% |
| Net margin | 28.3% | 23.6% | 27.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $32.8M | $30.8M | $32.6M | $32.6M | $33.1M | $33.2M | $34.0M | $33.0M | $33.7M | $32.6M |
| Cost of revenue | $9.0M | $9.1M | $9.3M | $9.8M | $10.8M | $11.4M | $11.6M | $11.9M | $12.7M | $11.3M |
| Gross profit | $23.8M | $21.7M | $23.3M | $22.8M | $22.3M | $21.8M | $22.4M | $21.2M | $21.0M | $21.3M |
| Sales, general & admin | $6.5M | $6.6M | $6.5M | $6.0M | $5.9M | $5.9M | $8.3M | $6.0M | $6.1M | $5.6M |
| Total operating expenses | $10.9M | $9.9M | $10.6M | $10.5M | $10.7M | $10.6M | $13.6M | $10.1M | $11.1M | $10.5M |
| Operating income | $12.9M | $11.9M | $12.7M | $12.3M | $11.6M | $11.2M | $8.8M | $11.0M | $9.8M | $10.9M |
| Interest income | $30.0M | $29.3M | $29.8M | $29.9M | $30.9M | $30.8M | $31.1M | $30.5M | $31.2M | $30.1M |
| Interest expense | $8.6M | $9.0M | $9.1M | $9.8M | $10.8M | $11.4M | $11.6M | $11.6M | $11.3M | $11.2M |
| Income before taxes | $12.9M | $11.9M | $12.7M | $12.3M | $11.6M | $11.2M | $8.8M | $11.0M | $9.8M | $10.9M |
| Income taxes | $2.7M | $2.3M | $2.8M | $2.8M | $2.7M | $2.5M | $3.2M | $1.8M | $1.8M | $2.1M |
| Net income | $10.2M | $9.5M | $9.9M | $9.5M | $8.9M | $8.7M | $5.6M | $9.2M | $8.0M | $8.6M |
| EBITDA | $12.9M | $12.7M | $14.9M | $13.0M | $11.5M | $12.0M | $10.2M | $10.9M | $12.2M | $11.9M |
| EPS (diluted) | $0.75 | $0.73 | $0.72 | $0.77 | $0.74 | — | — | — | — | — |
| Gross margin | 72.4% | 70.5% | 71.5% | 70.0% | 67.3% | 65.6% | 66.0% | 64.0% | 62.2% | 65.4% |
| Operating margin | 39.3% | 38.4% | 38.9% | 37.7% | 35.0% | 33.7% | 26.0% | 33.3% | 29.2% | 33.4% |
| Net margin | 31.1% | 30.9% | 30.4% | 29.0% | 26.9% | 26.2% | 16.5% | 27.9% | 23.8% | 26.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CBK's financial statements (latest annual report filed March 24, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CBK financial results
In fiscal year 2025 (ended December 31, 2025), Commercial Bancgroup reported revenue of $131.5 million, down 1.3% from the year before. It had net income of $37.2 million (up 18.4%), a net profit margin of 28.3%. Diluted earnings per share came to $2.23.
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CBK income statement FAQ
What is Commercial Bancgroup's annual revenue?
Commercial Bancgroup reported total revenue of $131.5 million for fiscal year 2025, which ended on December 31, 2025. That was down 1.3% from $133.3 million the previous year.
Is Commercial Bancgroup profitable?
Yes. Commercial Bancgroup reported net income of $37.2 million in fiscal 2025, a net profit margin of 28.3%; its operating margin was 36.0%.
What is Commercial Bancgroup's gross margin?
Commercial Bancgroup's gross margin was 68.6% in fiscal 2025: for every $100 of revenue, Commercial Bancgroup kept $69 after the direct cost of its products and services.
What are Commercial Bancgroup's earnings per share?
Commercial Bancgroup earned $2.23 per diluted share in fiscal 2025, compared with $2.46 a year earlier.
When will Commercial Bancgroup report its next earnings?
Commercial Bancgroup is expected to report results for the quarter ending September 30, 2026 on October 26, 2026 after the market closes.
When does Commercial Bancgroup's fiscal year end?
Commercial Bancgroup's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 24, 2026.