COMMERCIAL BANCGROUP INC (CBK) Fundamental Analysis & Valuation

NASDAQ:CBK • US20112C1062

Current stock price

26.75 USD
-0.07 (-0.26%)
At close:
26.75 USD
0 (0%)
After Hours:

This CBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CBK Profitability Analysis

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 99.47% of its industry peers.
  • CBK's Return On Equity of 23.85% is amongst the best of the industry. CBK outperforms 98.95% 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 92.89% 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. CBK Health Analysis

2.1 Basic Checks

  • CBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CBK has about the same amout of shares outstanding than it did 1 year ago.
  • The debt/assets ratio for CBK has been reduced compared to a year ago.
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

  • CBK has a Debt/Equity ratio of 0.66. This is a neutral value indicating CBK is somewhat dependend on debt financing.
  • CBK has a worse Debt to Equity ratio (0.66) than 80.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.65%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. CBK Growth Analysis

3.1 Past

  • CBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.33%.
  • Looking at the last year, CBK shows a quite strong growth in Revenue. The Revenue has grown by 8.25% in the last year.
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.
  • The Revenue is expected to grow by 7.03% on average over the next years.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2Y6.53%
Revenue Next 3Y7.03%
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
CBK Yearly Revenue VS EstimatesCBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 2026 2027 20M 40M 60M 80M 100M

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2

4. CBK Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.15, the valuation of CBK can be described as very cheap.
  • Based on the Price/Earnings ratio, CBK is valued cheaper than 96.05% of the companies in the same industry.
  • CBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.60.
Industry RankSector Rank
PE 6.15
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. CBK Dividend Analysis

5.1 Amount

  • CBK has a Yearly Dividend Yield of 1.54%.
  • CBK's Dividend Yield is slightly below the industry average, which is at 2.66.
  • CBK's Dividend Yield is comparable with the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 1.54%

5.2 History

  • CBK does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
CBK Yearly Dividends per shareCBK Yearly Dividends per shareYearly Dividends per share 2026 0.02 0.04 0.06 0.08

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
CBK Yearly Income VS Free CF VS DividendCBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2023 2024 10M 20M 30M

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CBK Fundamentals: All Metrics, Ratios and Statistics

COMMERCIAL BANCGROUP INC

NASDAQ:CBK (4/2/2026, 8:11:49 PM)

After market: 26.75 0 (0%)

26.75

-0.07 (-0.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)N/A
Inst Owners52.72%
Inst Owner Change562405%
Ins Owners12.42%
Ins Owner Change-90.17%
Market Cap366.48M
Revenue(TTM)155.37M
Net Income(TTM)58.47M
Analysts80
Price Target33.66 (25.83%)
Short Float %5.42%
Short Ratio9.06
Dividend
Industry RankSector Rank
Dividend Yield 1.54%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date03-13
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)6.45%
PT rev (3m)3.13%
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 6.15
Fwd PE N/A
P/S 2.36
P/FCF N/A
P/OCF N/A
P/B 1.49
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)4.35
EY16.26%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.34
BVpS17.89
TBVpS16.93
PEG (NY)N/A
PEG (5Y)N/A
Graham Number41.85
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
WACC7.65%
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 2Y6.53%
Revenue Next 3Y7.03%
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 Fundamental Analysis 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.


Can you provide the profitability details for COMMERCIAL BANCGROUP INC?

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 6.15 and the Price/Book (PB) ratio is 1.49.


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

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