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COMMERCIAL BANCGROUP INC (CBK) Stock Fundamental Analysis

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

25.53 USD
+0.28 (+1.11%)
Last: 1/15/2026, 8:00:02 PM
25.53 USD
0 (0%)
After Hours: 1/15/2026, 8:00:02 PM
Fundamental Rating

2

Taking everything into account, CBK scores 2 out of 10 in our fundamental rating. CBK was compared to 383 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

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

  • CBK has a Return On Assets of 2.64%. This is amongst the best in the industry. CBK outperforms 99.22% of its industry peers.
  • CBK's Return On Equity of 23.85% is amongst the best of the industry. CBK outperforms 99.48% of its industry peers.
Industry RankSector Rank
ROA 2.64%
ROE 23.85%
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's Profit Margin of 37.63% is amongst the best of the industry. CBK outperforms 93.47% 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) 37.63%
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

More info and screens

1

2. Health

2.1 Basic Checks

  • CBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CBK has about the same amount of shares outstanding.
  • 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 0.66 indicates that CBK is somewhat dependend on debt financing.
  • CBK has a worse Debt to Equity ratio (0.66) than 80.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.36%
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

More info and screens

1

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.33% over the past year.
  • CBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.25%.
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

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.87 indicates a rather cheap valuation of CBK.
  • Based on the Price/Earnings ratio, CBK is valued cheaper than 96.87% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.54, CBK is valued rather cheaply.
Industry RankSector Rank
PE 5.87
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 20

4.3 Compensation for Growth

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

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

COMMERCIAL BANCGROUP INC

NASDAQ:CBK (1/15/2026, 8:00:02 PM)

After market: 25.53 0 (0%)

25.53

+0.28 (+1.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners11.16%
Inst Owner Change37824.4%
Ins Owners13.87%
Ins Owner Change-90.2%
Market Cap312.49M
Revenue(TTM)155.37M
Net Income(TTM)58.47M
Analysts80
Price Target32.64 (27.85%)
Short Float %0.3%
Short Ratio0.29
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 5.87
Fwd PE N/A
P/S 2.01
P/FCF N/A
P/OCF N/A
P/B 1.27
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)4.35
EY17.04%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.69
BVpS20.03
TBVpS18.95
PEG (NY)N/A
PEG (5Y)N/A
Graham Number44.28
Profitability
Industry RankSector Rank
ROA 2.64%
ROE 23.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.63%
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 Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.66
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
WACC7.36%
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 for 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.


Can you provide the PE and PB ratios for CBK stock?

The Price/Earnings (PE) ratio for COMMERCIAL BANCGROUP INC (CBK) is 5.87 and the Price/Book (PB) ratio is 1.27.