Commercial Bancgroup, Inc. (CBK) Key Metrics
CBK valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $433.1M
- Enterprise value
- $438.8M
- P/E (TTM)
- 10.8
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 4.7
- Price / book
- 1.5
- EV / EBITDA
- —
- Dividend yield
- 1.01% $0.32 a year
- Beta
- —
CBK key metrics, 2023–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCBK returns How much profit the business earns on the capital it uses.
CBK per-share figures Results divided by the shares outstanding at year-end.
CBK financial health Debt, liquidity and how easily interest is covered.
CBK efficiency & capital use Working capital cycle and where the cash goes.
CBK valuation history
CBK returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CBK cash returned to shareholders
CBK price vs earnings per share
CBK key metrics
2023–2025| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Valuation | |||
| Market capitalization | $339.8M | — | — |
| Enterprise value | $387.7M | — | — |
| P/E ratio | 9.1 | — | — |
| Price / sales | 2.6 | — | — |
| Price / book | 1.2 | — | — |
| Price / free cash flow | 9.6 | — | — |
| Price / operating cash flow | 9.2 | — | — |
| EV / sales | 2.9 | — | — |
| EV / EBITDA | 7.6 | — | — |
| EV / free cash flow | 11.0 | — | — |
| Earnings yield | 10.9% | — | — |
| Free cash flow yield | 10.4% | — | — |
| Dividend yield | 0.6% | — | — |
| Shareholder yield (dividends + buybacks) | 0.9% | — | — |
| Share price at fiscal year-end | $24.56 | — | — |
| Per share | |||
| Revenue per share | $9.51 | $10.78 | $9.18 |
| Earnings per share | $2.69 | $2.54 | $2.51 |
| Operating cash flow per share | $2.68 | $3.13 | $3.18 |
| Free cash flow per share | $2.55 | $2.88 | $2.92 |
| Cash per share | $8.60 | $18.95 | $16.12 |
| Book value per share | $20.61 | $17.81 | $15.57 |
| Tangible book value per share | $19.07 | $16.68 | $14.25 |
| Dividends per share | $0.14 | $0.16 | $0.12 |
| Capex per share | $0.13 | $0.25 | $0.26 |
| Debt per share | $12.06 | $8.83 | $12.21 |
| Shares outstanding | 13.8M | 12.4M | 12.2M |
| Change in shares outstanding | +11.9% | +1.1% | — |
| Returns & profitability | |||
| Return on equity (ROE) | 14.7% | 15.3% | 16.1% |
| Return on invested capital (ROIC) | 17.4% | 26.7% | 21.9% |
| Return on assets (ROA) | 1.6% | 1.4% | 1.4% |
| Return on tangible assets | 1.6% | 1.4% | 1.4% |
| Free cash flow margin | 26.8% | 26.7% | 31.8% |
| Income quality (OCF / net income) | 1.00 | 1.23 | 1.27 |
| Financial health | |||
| Total debt | $166.8M | $109.2M | $149.3M |
| Cash & short-term investments | $119.0M | $234.3M | $197.1M |
| Net debt | $47.8M | −$125.1M | −$47.9M |
| Debt / equity | 0.59 | 0.50 | 0.78 |
| Debt / assets | 0.07 | 0.05 | 0.07 |
| Net debt / EBITDA | 0.94 | −2.77 | −1.11 |
| Current ratio | 0.14 | 0.12 | 0.11 |
| Quick ratio | 0.14 | 0.12 | 0.11 |
| Interest coverage | 1.2 | 0.9 | 1.3 |
| Working capital | −$860.6M | −$1.70B | −$1.62B |
| Invested capital | $332.9M | $95.1M | $142.5M |
| Tangible asset value | $263.8M | $206.3M | $179.6M |
| Net current asset value | −$1.86B | −$1.84B | −$1.80B |
| Graham number | $35.30 | $31.90 | $29.65 |
| Graham net-net per share | −$135.98 | −$148.90 | −$147.00 |
| Capital allocation | |||
| Dividends paid | $2.0M | $2.0M | $1.5M |
| Share buybacks (net) | $980,800 | $1.8M | $2.1M |
| Dividend payout ratio | 5.4% | 6.4% | 4.9% |
| Dividends + buybacks / free cash flow | 8.5% | 10.8% | 10.1% |
| Capex / revenue | 1.4% | 2.3% | 2.8% |
| Capex / operating cash flow | 5.0% | 7.9% | 8.1% |
| Capex / depreciation | 0.50 | 0.66 | 0.89 |
| Stock-based compensation / revenue | 0.1% | 1.6% | 0.4% |
| SG&A / revenue | 19.8% | 19.5% | 19.4% |
| Efficiency | |||
| Days sales outstanding | 20.3 | 21.1 | 26.8 |
| Days payables outstanding | 31.7 | 30.3 | 39.3 |
| Cash conversion cycle (days) | -11.4 | -9.1 | -12.5 |
| Receivables turnover | 17.97 | 17.28 | 13.62 |
| Payables turnover | 11.50 | 12.06 | 9.28 |
| Asset turnover | 0.06 | 0.06 | 0.05 |
| Average receivables | $7.3M | $7.7M | $8.2M |
| Average payables | $3.6M | $3.9M | $3.6M |
| Intangibles / total assets | 0.9% | 0.6% | 0.7% |
Computed from CBK's annual financial statements (latest annual report filed March 24, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CBK valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Commercial Bancgroup traded at 9.1 times earnings. Based on the latest twelve months, the trailing P/E is 10.8. Commercial Bancgroup earned a return on equity of 14.7% and a return on invested capital of 17.4% in fiscal 2025. It ended the year with $166.8 million of debt and $119.0 million in cash and short-term investments, net debt of $47.8 million. It returned $3.0 million to shareholders: $2.0 million in dividends and $1.0 million in share buybacks, 8% of free cash flow.
See the CBK income statement, the CBK chart for price history, or the CBK stock overview for the latest quote and news.
CBK key metrics FAQ
What is Commercial Bancgroup's P/E ratio?
Commercial Bancgroup's trailing P/E ratio is 10.8 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 9.1.
What is Commercial Bancgroup's EV/EBITDA?
Commercial Bancgroup's enterprise value was 7.6 times EBITDA at the end of fiscal 2025 (enterprise value $387.7 million, EBITDA $51.1 million).
What is Commercial Bancgroup's return on equity?
Commercial Bancgroup's return on equity (ROE) was 14.7% in fiscal 2025: net income of $37.2 million on average shareholders' equity of $252.7 million.
What is Commercial Bancgroup's ROIC?
Commercial Bancgroup's return on invested capital was 17.4% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Commercial Bancgroup have?
Commercial Bancgroup had total debt of $166.8 million at the end of fiscal 2025, a debt-to-equity ratio of 0.59 and $47.8 million of net debt (0.94 times EBITDA).
What is Commercial Bancgroup's dividend yield?
Commercial Bancgroup's forward dividend yield is 1.01%. Commercial Bancgroup paid $2.0 million in dividends in fiscal 2025 ($0.14 per share), a payout ratio of 5.4%.
Does Commercial Bancgroup buy back its shares?
Yes. Commercial Bancgroup spent $1.0 million on net share repurchases in fiscal 2025 Shares outstanding changed +11.9% over the year, to 13.8M..
What is Commercial Bancgroup's free cash flow yield?
Commercial Bancgroup generated $35.2 million of free cash flow in fiscal 2025, a free cash flow yield of 10.4% on its market value at year-end ($339.8 million).
What is Commercial Bancgroup's current ratio?
Commercial Bancgroup's current ratio was 0.14 at the end of fiscal 2025: current assets were 0.14 times current liabilities.