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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

Commercial Bancgroup, Inc. Common Stock (CBK)

Financial Services Banks - Regional
34.20 $
+0.3% vs. previous close
Closing price · As of: 31. Jul 2026
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Basics

Market Cap
0.5$B
Shares Outstanding
14Mio.
Float
63.7%
Beta

Performance

Perf. 1M
12.30%
Perf. 3M
27.70%
Perf. 6M
34.40%
YTD Performance (%)
30.10%
52-Week-High Distance
-1.7%
Perf. 5Y
34.27%

Valuation

P/E
Forward P/E
0.0
PEG
P/B
P/S
3.7
EV/EBITDA
0.0
Price/FCF
13.0

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
41.8%
Return on Equity
14.6%
Return on Assets
1.7%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
Altman Z″
3.81
Piotroski
7 out of 9

Growth

Sales Growth Last Quarter
5.30%
EPS Growth Last Quarter
-2.80%
Sales Growth (Year)
-1.35%
Forward Sales Growth
6.39%
Forward EPS Growth
7.50%

Dividend

Dividend Yield
0.60%
Dividend Per Share (TTM)
0.20$
Payout Ratio
6.8%
Years Without a Cut
0Years
Increase Streak
0Years

Quality & Screener

Stage
2
RS Rating
57
EPS Rating
30
Piotroski
7 out of 9
Fundamental Rating
B (57 out of 100)
Altman Z″
3.81

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Analysts & Price Target

Current Price 34.20 $
Price Target (average) 34.00 $

The price target sits 0.6% below the current price.

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Next Reporting Date

26. Oct 2026 · after the close · Q3 2026
Expected Earnings per Share
0.74 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Sales Per Quarter ($M)
2024: Q4 · 34.0 $M Q4 2025: Q1 · 33.2 $M Q1 2025: Q2 · 33.1 $M Q2 2025: Q3 · 32.6 $M Q3 2025: Q4 · 32.6 $M Q4 2026: Q1 · 30.8 $M Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.41 $ Q4 2025: Q1 · 0.63 $ Q1 2025: Q2 · 0.65 $ Q2 2025: Q3 · 0.69 $ Q3 2025: Q4 · 0.72 $ Q4 2026: Q1 · 0.70 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 16.5 % Q4 2025: Q1 · 26.2 % Q1 2025: Q2 · 26.9 % Q2 2025: Q3 · 29.0 % Q3 2025: Q4 · 30.4 % Q4 2026: Q1 · 30.9 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 10.2 $M Q4 2025: Q1 · 12.1 $M Q1 2025: Q2 · 7.5 $M Q2 2025: Q3 · 8.4 $M Q3 2025: Q4 · 9.1 $M Q4 2026: Q1 · 13.4 $M Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 9.7 $M Q4 2025: Q1 · 11.7 $M Q1 2025: Q2 · 6.8 $M Q2 2025: Q3 · 7.9 $M Q3 2025: Q4 · 8.8 $M Q4 2026: Q1 · 13.1 $M Q1
Sales Growth vs. Year-Ago Quarter (%)
2025: Q1 · 1.9 % Q1 2025: Q2 · -1.9 % Q2 2025: Q3 · -1.3 % Q3 2025: Q4 · -4.0 % Q4 2026: Q1 · -7.2 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2025: Q1 · 1.3 % Q1 2025: Q2 · 11.1 % Q2 2025: Q3 · 2.8 % Q3 2025: Q4 · 76.7 % Q4 2026: Q1 · 9.7 % Q1
Price Change in Quarter (%)
2026: Q1 · 6.4 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.41 34 16.50 10 10
2025: Q1 0.63 1.30 33 1.90 26.20 12 12
2025: Q2 0.65 11.10 33 -1.90 26.90 8 7
2025: Q3 0.69 2.80 33 -1.30 29.00 8 8
2025: Q4 0.72 76.70 33 -4.00 30.40 9 9
2026: Q1 0.70 9.70 31 -7.20 30.90 13 13
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Commercial Bancgroup, Inc. ist die Bankholding der Commercial Bank, die Privat- und Firmenkunden in den USA eine Reihe von Bank- und Finanzdienstleistungen anbietet.

Employees287
HeadquartersHarrogate, TN
Websitecbtn.com
IPO Date2. Oct 2025

Management

Management
Name Title Birth Year
John Adam Robertson Executive Chairperson 1975
Terry L. Lee President, CEO & Director 1955
Philip J. Metheny CPA, CISA, CITP, M.B.A. Senior EVP & CFO 1958
Richard C. Sprinkle Jr., M.B.A. Executive VP & Chief Credit Officer of Commercial Bank 1967
Justin Payne Executive VP & Chief Information Officer
Roger A. Mobley Executive VP & Assistant CFO 1971
Linda Hurst Corporate Secretary

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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