Commercial Bancgroup, Inc. Common Stock (CBK) Stock

Commercial Bancgroup, Inc. Common Stock (CBK) is a Financials stock trading at $33.77 (as of 2026-08-21), with a market capitalization of $462.76M and a trailing P/E of 12.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Commercial Bancgroup, Inc. is the bank holding company for Commercial Bank and provides banking and financial services to individual and corporate customers. Through its deposit products and lending services, it serves markets in Kentucky, North Carolina, and Tennessee, offering demand and interest-bearing deposit accounts as well as real estate, commercial, and consumer loans.

Understand Commercial Bancgroup, Inc. Common Stock: how it makes money

Commercial Bancgroup, Inc. is the bank holding company for Commercial Bank, providing banking and financial services to individual and corporate customers, taking deposits (including demand deposits, interest-bearing products, savings accounts, and certificates of deposit) and making real estate, commercial, and consumer loans.

For a retail bank, profitability depends on credit performance (losses on its loan book, reflected in net charge-offs) and the ongoing balance of funding costs and loan yields generated through its deposits and lending activities.

Business quality (Solid): The company’s operational picture provided here is limited to one credit-related metric (Net Charge-Offs to Average Loans), and there is no reportable segment revenue breakdown included in the data you supplied.

Valuation: At 11× earnings, CBK trades 17% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Credit monitoring is explicitly tracked via loan losses: The provided operating KPI, Net Charge-Offs to Average Loans, directly reflects the credit quality impact on results.
  • Broad mix of core banking products: The bank provides deposit products and offers real estate, commercial, and consumer loans to customers in Kentucky, North Carolina, and Tennessee.

Bear case

  • Credit risk can pressure earnings: Higher loan losses would show up in increased Net Charge-Offs to Average Loans, directly impacting profitability for a lending-focused business.
  • Geographic concentration: Services are targeted to individual and corporate customers in Kentucky, North Carolina, and Tennessee, which can make performance more sensitive to local economic conditions.
Valuation — source: SEC EDGAR (first-party)
Price$33.77
Market Cap$462.76M
P/E Ratio12.1
EV / EBITDA9.0
Price / Book1.53
Price / Sales3.84
FCF Yield17.3%
DCF Value (model)$43.10
DCF Upside vs Price27.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$121.60M
Net Margin30.6%
Revenue Growth (YoY)-2.3%
EPS Growth (YoY)2.7%
FCF Growth (YoY)18.0%
Valuation vs Sector & Industry
Stock P/E12.1
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-19.6%
vs Industry-6.4%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderALLIANCEBERNSTEIN L.P. ($25.29M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOTerry L. Lee
Employees282
CountryUS
IPO Date2025-10-02

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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CBK earnings history · CBK institutional & insider holders · CBK KPIs & operating metrics · CBK financials · CBK investor presentations & press releases · CBK SEC filings · CBK peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.