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Commercial Bancgroup(NASDAQ) CBK

Market Cap$467.49MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2025)+43%
5 YearN/A
1 YearN/A
1 Month-0%
$33.81
-0.91%
-0.31Today
After hours$33.76-$0.05 (-0.15%)
Commercial Bancgroup last closing stock price
MetricPriceDate
Last closeUSD 34.122026-08-28
Commercial Bancgroup stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.92%USD 33.812026-08-21
1 month-0.03%USD 34.132026-07-29
3 month+18.49%USD 28.802026-05-29
Year to date+39.94%USD 24.382025-12-31
Since inception+43.2%USD 23.832025-10-02

Commercial Bancgroup Financials at a Glance

Market Cap

$467.49MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$128.90M

Net Income (TTM)

$39.13M

EPS (TTM)

$2.93

P/E Ratio

11.65

Dividend

$0.20

Beta (Volatility)

0.53 (Low)

Price

$33.81

Volume

25,254.649

Open

$34.24

Previous Close

$33.78

Daily Range

$33.68 - $34.24

52-Week Range

$23.24 - $35.78

Estimated Earnings Date

Oct 26, 2026

CBK News

No articles available.

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About Commercial Bancgroup

Commercial Bancgroup, Inc. helps people and businesses manage their money. It offers bank accounts and loans in three states. Local branches serve communities in Kentucky, North Carolina, and Tennessee.

Serving Neighbors and Businesses

  • Real Estate Loans: Financing for commercial buildings, construction projects, and residential homes.
  • Commercial Loans: Funding for business operations, equipment purchases, and expansion projects.
  • Consumer Lending: Personal loans and credit lines for household or personal spending.
  • Deposit Services: Checking accounts, savings options, and certificates of deposit for diverse clients.

Moving Forward as a Public Company

  • Listed shares on the Nasdaq Stock Market on Oct. 2, 2025.
  • Repaid a loan agreement with Community Trust Bank in full on Oct. 7, 2025.
  • Redeemed all junior subordinated debentures and trust preferred securities on Jan. 7, 2026.
  • Increased net loans by $66.4 million from Dec. 31, 2025 to June 30, 2026.

Regional Growth and Centralized Standards

Commercial Bancgroup utilizes a centralized underwriting department in Harrogate, Tennessee, to review all business loans. This structure helps ensure consistent credit standards while the bank grows in high-growth metropolitan areas like Nashville and Charlotte.

Tracking Recent Financial Performance

  • Net income reached $10.2 million for the three months ended June 30, 2026, up 14.8% year over year.
  • Total assets grew to $2.4 billion as of June 30, 2026, up 3.7% from Dec. 31, 2025.
  • Net interest income rose to $21.5 million for the three-month period ended June 30, 2026, up 7.3% year over year.
  • Market capitalization was $485.3 million as of the current reporting period.
  • Book value per share increased to $22.09 at June 30, 2026, up 6.0% since Dec. 31, 2025.

Bottom Line

Commercial Bancgroup has transitioned into a public financial holding company while maintaining its focus on traditional community banking. The company supports local economic development by balancing reliable deposit services with targeted lending in high-growth metropolitan markets.

AI Generated • Aug 13, 2026

Industry

Banks

Sector

Financials

Employees

298

CEO

Terry L. Lee

Website

ir.cbtn.com/overview/default.aspx

Headquarters

Harrogate, TN 37752, US

CBK Financials

Key Financial Metrics (TTM)

Gross Margin

71.11%

Operating Margin

38.60%

Net Income Margin

30.36%

Return on Equity

13.90%

Return on Capital

10.49%

Return on Assets

1.65%

Earnings Yield

8.58%

Dividend Yield

0.59%

Payout Ratio

7.00%

Stock Overview

Market Cap

$467.49MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

13.70M

Volume

25.25K

Avg. Volume

74.54K

Financials (TTM)

Gross Profit

$91.66M

Operating Income

$49.75M

EBITDA

$53.25M

Operating Cash Flow

$40.89M

Capital Expenditure

-$2.32M

Free Cash Flow

$38.58M

Cash & ST Invst.

$161.33M

Total Debt

$175.82M

Commercial Bancgroup Performance Analysis

Commercial Bancgroup annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20232023-12-31USD 112,202,859N/A
20242024-12-31USD 133,331,39618.8%
20252025-12-31USD 131,496,642-1.4%
Commercial Bancgroup sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-1.3%
Q42025-12-31-0.0%
Q12026-03-31-5.4%
Q22026-06-306.3%
Commercial Bancgroup annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-12-31USD 2.46N/A
20242024-12-31USD 2.44-0.6%
20252025-12-31USD 2.9520.7%
Commercial Bancgroup sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-308.5%
Q42025-12-31-6.5%
Q12026-03-31-2.8%
Q22026-06-305.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$32.80M

-0.7%

Gross Profit

$23.77M

+6.8%

Gross Margin

72.45%

N/A

Market Cap

$467.49MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.60M

N/A

Employees

293

N/A

Net Income

$10.22M

+14.8%

EBITDA

$12.89M

+11.7%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$161.33M

-19.1%

Total Debt

$175.82M

+18.4%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$73.25M

-28.3%

Short Term Debt

$102.57M

+121.5%

Return on Assets

1.65%

N/A

Return on Invested Capital

2.19%

N/A

Free Cash Flow

$8.79M

+28.7%

Operating Cash Flow

$10.05M

+33.2%

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Questions About CBK

What is the current price of Commercial Bancgroup?

Commercial Bancgroup is trading at $33.78 per share.

What is the 52-week range for Commercial Bancgroup?

Over the past 52 weeks, Commercial Bancgroup has traded between $23.24 and $35.78.

How much debt does Commercial Bancgroup have?

As of the most recent reporting period, Commercial Bancgroup reported total debt of $175.82M.

How much cash does Commercial Bancgroup have on hand?

Commercial Bancgroup does not have cash on hand data available.

What is Commercial Bancgroup’s dividend yield?

Commercial Bancgroup currently has a dividend yield of 0.59%.

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