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COMMERCIAL BANCGROUP INC (CBK) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:CBK - US20112C1062 - Common Stock

24.41 USD
+0.06 (+0.25%)
Last: 12/29/2025, 8:00:02 PM
24.9 USD
+0.49 (+2.01%)
After Hours: 12/22/2025, 8:00:02 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CBK. CBK was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of CBK have multiple concerns. CBK does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CBK had positive earnings in the past year.
CBK Yearly Net Income VS EBIT VS OCF VS FCFCBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2023 2024 10M 20M 30M

1.2 Ratios

The Return On Assets of CBK (1.39%) is better than 85.05% of its industry peers.
With an excellent Return On Equity value of 13.35%, CBK belongs to the best of the industry, outperforming 89.18% of the companies in the same industry.
Industry RankSector Rank
ROA 1.39%
ROE 13.35%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CBK Yearly ROA, ROE, ROICCBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2023 2024 5 10 15

1.3 Margins

CBK has a better Profit Margin (35.51%) than 92.53% of its industry peers.
CBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 35.51%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CBK Yearly Profit, Operating, Gross MarginsCBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

CBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CBK remains at a similar level compared to 1 year ago.
CBK has a better debt/assets ratio than last year.
CBK Yearly Shares OutstandingCBK Yearly Shares OutstandingYearly Shares Outstanding 2023 2024 2M 4M 6M 8M 10M
CBK Yearly Total Debt VS Total AssetsCBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

A Debt/Equity ratio of 0.63 indicates that CBK is somewhat dependend on debt financing.
The Debt to Equity ratio of CBK (0.63) is worse than 80.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.31%
CBK Yearly LT Debt VS Equity VS FCFCBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CBK Yearly Current Assets VS Current LiabilitesCBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 2M 4M 6M 8M

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1

3. Growth

3.1 Past

CBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.33%.
The Revenue has grown by 8.25% in the past year. This is quite good.
EPS 1Y (TTM)2.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)8.25%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CBK Yearly Revenue VS EstimatesCBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 20M 40M 60M 80M

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.66, the valuation of CBK can be described as very reasonable.
73.71% of the companies in the same industry are more expensive than CBK, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.84. CBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.66
Fwd PE N/A
CBK Price Earnings VS Forward Price EarningsCBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CBK Per share dataCBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for CBK!.
Industry RankSector Rank
Dividend Yield 0%

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COMMERCIAL BANCGROUP INC

NASDAQ:CBK (12/29/2025, 8:00:02 PM)

After market: 24.9 +0.49 (+2.01%)

24.41

+0.06 (+0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner Change0%
Ins OwnersN/A
Ins Owner Change-90.28%
Market Cap298.78M
Revenue(TTM)88.46M
Net Income(TTM)31.41M
Analysts80
Price Target32.64 (33.72%)
Short Float %0.35%
Short Ratio0.48
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.66
Fwd PE N/A
P/S 3.38
P/FCF N/A
P/OCF N/A
P/B 1.27
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)2.29
EY9.38%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.23
BVpS19.22
TBVpS18.11
PEG (NY)N/A
PEG (5Y)N/A
Graham Number31.47
Profitability
Industry RankSector Rank
ROA 1.39%
ROE 13.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.51%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC7.31%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.25%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-0.54%
OCF growth 3YN/A
OCF growth 5YN/A

COMMERCIAL BANCGROUP INC / CBK FAQ

What is the ChartMill fundamental rating of COMMERCIAL BANCGROUP INC (CBK) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CBK.


What is the valuation status of COMMERCIAL BANCGROUP INC (CBK) stock?

ChartMill assigns a valuation rating of 2 / 10 to COMMERCIAL BANCGROUP INC (CBK). This can be considered as Overvalued.


How profitable is COMMERCIAL BANCGROUP INC (CBK) stock?

COMMERCIAL BANCGROUP INC (CBK) has a profitability rating of 3 / 10.


What are the PE and PB ratios of COMMERCIAL BANCGROUP INC (CBK) stock?

The Price/Earnings (PE) ratio for COMMERCIAL BANCGROUP INC (CBK) is 10.66 and the Price/Book (PB) ratio is 1.27.


What is the financial health of COMMERCIAL BANCGROUP INC (CBK) stock?

The financial health rating of COMMERCIAL BANCGROUP INC (CBK) is 1 / 10.