GoAI
Get started
Commercial Bancgroup, Inc. Common Stock logo

Commercial Bancgroup, Inc. Common Stock

CBK

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$33.81

−$0.12 · -0.35%

Aug 21, 4:00 PM ET

CBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

65

Undervalued

Momentum

60

Neutral

Sentiment

61

Bullish

Risk resilience

79

Moderate Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

Commercial Bancgroup, Inc. serves as the holding company for Commercial Bank, which offers a comprehensive range of banking and financial services. These services are provided to both individual clients and corporate entities across Kentucky, North Carolina, and Tennessee. The bank's offerings include a variety of deposit accounts, such as demand deposits (checking), interest-bearing savings options, and certificates of deposit. Furthermore, the company provides diverse lending solutions, including real estate, business, and personal loans. Tracing its origins back to an incorporation in 1975, the entity was initially known as Harrogate Corporation before rebranding to Commercial Bancgroup, Inc. in April 1989. Its principal operations are based in Harrogate, Tennessee.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Terry L. Lee
Listed since
Oct 2, 2025
Employees
293

Market position

Day range

Current $33.81

52-week range

Current $33.81

Open
$34.09
Previous close
$33.93
Volume
44K
0.66× average
Average volume
67.03K
Average daily volume
Market cap
463.24M USD
Beta
0.49
Market reference 1
50-day average
$33.3612
+1.35% above average
200-day average
$28.0904
+20.36% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
506.65M USD
P/E (TTM)
11.5×
P/B (TTM)
1.53×
P/S (TTM)
3.59×
EV / EBITDA
10.22×
Earnings yield
10.95%
Free cash flow yield
10.37%
Dividend yield
0.59%

Profitability & efficiency

Gross margin
71.11%
Operating margin
38.60%
Net margin
30.36%
Return on equity
13.05%
Return on assets
1.62%
Return on invested capital
-4.82%

Financial health

Debt / equity
0.58×
Current ratio
0.14×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends74%56%37%19%Gross margin, FY2023: 69.87%Gross margin, FY2024: 64.41%Gross margin, FY2025: 68.58%Operating margin, FY2023: 35.38%Operating margin, FY2024: 30.43%Operating margin, FY2025: 36.05%Net margin, FY2023: 27.35%Net margin, FY2024: 23.56%Net margin, FY2025: 28.28%FY2023FY2024FY2025
Gross margin FY2023 69.87%. Gross margin FY2024 64.41%. Gross margin FY2025 68.58%. Operating margin FY2023 35.38%. Operating margin FY2024 30.43%. Operating margin FY2025 36.05%. Net margin FY2023 27.35%. Net margin FY2024 23.56%. Net margin FY2025 28.28%.

Income trends

Revenue

131.53M USD-1.35%

Operating income

47.42M USD+16.87%

Net income

37.2M USD+18.42%
Income trends across reported periods143.6M USD102.54M USD61.48M USD20.43M USDRevenue, FY2023: 112.2M USDRevenue, FY2024: 133.33M USDRevenue, FY2025: 131.53M USDOperating income, FY2023: 39.69M USDOperating income, FY2024: 40.57M USDOperating income, FY2025: 47.42M USDNet income, FY2023: 30.69M USDNet income, FY2024: 31.41M USDNet income, FY2025: 37.2M USDFY2023FY2024FY2025
Revenue FY2023 112.2M USD. Revenue FY2024 133.33M USD. Revenue FY2025 131.53M USD. Operating income FY2023 39.69M USD. Operating income FY2024 40.57M USD. Operating income FY2025 47.42M USD. Net income FY2023 30.69M USD. Net income FY2024 31.41M USD. Net income FY2025 37.2M USD.
Metric (USD)FY2025FY2024FY2023
Revenue131.53M USD133.33M USD112.2M USD
Cost of goods sold41.32M USD47.46M USD33.81M USD
Gross profit90.21M USD85.87M USD78.39M USD
Selling, general, and administrative26.03M USD26M USD21.78M USD
Operating expenses42.48M USD45.3M USD38.7M USD
Interest income121.6M USD123.21M USD102.64M USD
Interest expense41.17M USD45.63M USD30.54M USD
Depreciation and amortization2.14M USD4.59M USD3.54M USD
Operating income47.42M USD40.57M USD39.69M USD
Net income37.2M USD31.41M USD30.69M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
50%
2 beats, 2 misses, 0 met estimates
Average EPS surprise
+0.37%
4 comparable reports
Latest EPS result
0.75
Estimate 0.7 · Beat by 7.14%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.860.710.550.4Q4 '24No estimateQ1 '25No estimateQ3 '25No estimateQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q4 2024, reported Dec 31, 2024: actual 0.439, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 31, 2025: actual 0.66, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Sep 3, 2025: actual 0.74, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 27, 2025: actual 0.77, estimate 0.82, surprise -6.10%, Miss. Q1 2026, reported Jan 26, 2026: actual 0.72, estimate 0.716, surprise +0.56%, Beat. Q2 2026, reported Jun 3, 2026: actual 0.7, estimate 0.701, surprise -0.14%, Miss. Q3 2026, reported Jul 27, 2026: actual 0.75, estimate 0.7, surprise +7.14%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 0.745, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates35.34M30.54M25.74M20.94MQ4 '24No estimateQ1 '25No estimateQ3 '25No estimateQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q4 2024, reported Dec 31, 2024: actual 33.99M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 31, 2025: actual 33.24M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Sep 3, 2025: actual 22.3M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 27, 2025: actual 22.83M USD, estimate 23.4M USD, surprise -2.45%, Miss. Q1 2026, reported Jan 26, 2026: actual 23.48M USD, estimate 23.3M USD, surprise +0.76%, Beat. Q2 2026, reported Jun 3, 2026: actual 30.85M USD, estimate 24M USD, surprise +28.53%, Beat. Q3 2026, reported Jul 27, 2026: actual 24.17M USD, estimate 23.4M USD, surprise +3.27%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 24.6M USD, surprise —, Comparison unavailable.

CBK peers

Interactive Brokers Group, Inc. logo

IBKR

Interactive Brokers Group, Inc.

$93.87

+4.47%

CME Group Inc. logo

CME

CME Group Inc.

$274.98

+1.52%

Robinhood Markets, Inc. logo

HOOD

Robinhood Markets, Inc.

$108.13

+13.70%

Strive Inc. Perp. Pfd. Series A logo

SATA

Strive Inc. Perp. Pfd. Series A

$100.01

+0.10%

Nasdaq, Inc. logo

NDAQ

Nasdaq, Inc.

$98.22

+0.69%

PayPal Holdings, Inc. logo

PYPL

PayPal Holdings, Inc.

$61.55

-1.20%

ETFs holding CBK

Funds reporting this stock among their holdings, ordered by reported position size.

Schwab International Equity ETF logoSchwab International Equity ETFSCHF
Market value
67.11M
Weight
0.10%
AUM
69.7B USD
Expense ratio
0.03%
Price / 1D
$28.46+0.85%
State Street SPDR Portfolio Developed World ex-US ETF logoState Street SPDR Portfolio Developed World ex-US ETFSPDW
Market value
58.2M
Weight
0.14%
AUM
41.92B USD
Expense ratio
0.03%
Price / 1D
$52.02+0.79%
Schwab Fundamental International Large Company Index ETF logoSchwab Fundamental International Large Company Index ETFFNDF
Market value
18.2M
Weight
0.07%
AUM
26.15B USD
Expense ratio
0.25%
Price / 1D
$55.84+0.83%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
8.29M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
7.72M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
4.98M
Weight
0.02%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
John Hancock Investments - Multifactor Developed International ETF logoJohn Hancock Investments - Multifactor Developed International ETFJHMD
Market value
3.09M
Weight
0.33%
AUM
971.55M USD
Expense ratio
0.39%
Price / 1D
$46.405+0.66%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
3.09M
Weight
0.02%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%

Continue in GoAI

Research CBK

research.disclaimer