NASDAQ : CBK
Commercial Bancgroup, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 32.87 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 450.65M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Interest Income on Loans | 113.54M | 112.30M | 113.39M | 95.21M |
| Interest Income on Investments | 7.47M | 9.30M | 9.82M | 7.43M |
| Total Interest Income | 121.01M | 121.60M | 123.21M | 102.64M |
| Interest Paid on Deposits | 33.14M | 37.11M | 40.35M | 24.09M |
| Interest Paid on Borrowings | 2.57M | 4.07M | 5.28M | 6.44M |
| Total Interest Expense | 35.72M | 41.17M | 45.63M | 30.54M |
| Net Interest Income | 85.29M | 80.43M | 77.58M | 72.10M |
| Gain (Loss) on Sale of Assets | 42.60K | 37.60K | 759.48K | 53.50K |
| Other Non-Interest Income | 10.38M | 9.73M | 9.97M | 9.61M |
| Total Non-Interest Income | 10.58M | 9.93M | 10.88M | 9.62M |
| Revenues Before Loan Losses | 95.87M | 90.36M | 88.46M | 81.72M |
| Provision for Loan Losses | 1.33M | 463.33K | 1.83M | 3.27M |
| Revenue | 94.54M | 89.90M | 86.63M | 78.45M |
| Salaries and Employee Benefits | 23.02M | 22.64M | 22.73M | 20.29M |
| Occupancy Expenses | 6.96M | 6.80M | 7.63M | 5.97M |
| Federal Deposit Insurance | 937.08K | 972.08K | 1.13M | 1.04M |
| Selling, General & Administrative | 5.95M | 5.90M | 7.84M | 6.36M |
| Other Non-Interest Expense | 6.11M | 6.16M | 6.73M | 5.09M |
| Total Non-Interest Expense | 42.98M | 42.48M | 46.06M | 38.75M |
| EBT Excluding Unusual Items | 51.56M | 47.42M | 40.57M | 39.69M |
| Pretax Income | 50.96M | 47.42M | 40.57M | 39.69M |
| Income Tax Expense | 10.20M | 10.22M | 8.89M | 8.48M |
| Earnings From Continuing Operations | 40.76M | 37.20M | 31.69M | 31.21M |
| Minority Interest in Earnings | -275.86K | -519.15K | ||
| Net Income | 40.76M | 37.20M | 31.41M | 30.69M |
| Net Income to Common | 40.76M | 37.20M | 31.41M | 30.69M |
| Basic Shares Outstanding | 13.73M | 12.61M | 12.19M | 12.19M |
| Diluted Shares Outstanding | 13.75M | 12.61M | 12.37M | 12.23M |
| EPS (Basic) | 2.97 | 2.95 | 2.58 | 2.52 |
| EPS (Diluted) | 2.96 | 2.95 | 2.54 | 2.51 |
| Dividend Per Share | 0.31 | 0.16 | 0.17 | 0.12 |
| Effective Tax Rate | 20.01% | 21.56% | 21.90% | 21.37% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Cash & Equivalents | 182.58M | 144.32M | 178.20M | 155.94M |
| Investment Securities | 133.95M | 90.54M | 140.98M | 172.27M |
| Trading Asset Securities | 14.13M | 22.18M | 19.70M | |
| Mortgage-Backed Securities | 50.32M | 35.17M | 38.40M | |
| Total Investments | 133.95M | 155.00M | 198.33M | 230.37M |
| Gross Loans | 1.99B | 1.88B | 1.82B | 1.70B |
| Allowance for Loan Losses | -19.03M | -18.10M | -18.21M | -16.64M |
| Other Adjustments to Gross Loans | -6.00M | -6.48M | -8.68M | -9.81M |
| Net Loans | 1.96B | 1.86B | 1.79B | 1.67B |
| Property, Plant & Equipment | 50.91M | 51.18M | 51.82M | 54.00M |
| Goodwill | 8.51M | 8.51M | 8.51M | 8.51M |
| Other Intangible Assets | 3.12M | 4.26M | 5.82M | 7.63M |
| Accrued Interest Receivable | 7.45M | 7.19M | 8.24M | |
| Long-Term Deferred Tax Assets | 1.19M | 1.00M | 1.08M | 154.29K |
| Other Real Estate Owned & Foreclosed | 888.00K | 253.00K | 831.66K | 1.05M |
| Other Long-Term Assets | 96.89M | 64.05M | 60.63M | 60.87M |
| Total Assets | 2.44B | 2.29B | 2.30B | 2.20B |
| Interest Bearing Deposits | 803.63M | 791.67M | 867.37M | 819.61M |
| Institutional Deposits | 108.21M | 110.08M | 94.74M | 78.20M |
| Non-Interest Bearing Deposits | 975.55M | 913.99M | 976.48M | 922.12M |
| Total Deposits | 1.89B | 1.82B | 1.94B | 1.82B |
| Short-Term Borrowings | 142.42M | 102.38M | 25.57M | 25.75M |
| Current Portion of Long-Term Debt | 12.46M | |||
| Current Portion of Leases | 149.63K | |||
| Accrued Interest Payable | 2.50M | 2.96M | 4.22M | 3.64M |
| Long-Term Debt | 68.90M | 34.68M | 38.82M | |
| Federal Home Loan Bank Debt, Long-Term | 60.55M | 65.58M | 99.03M | |
| Long-Term Leases | 1.20M | 1.54M | 1.75M | |
| Trust Preferred Securities | 5.58M | 5.51M | 5.37M | |
| Other Long-Term Liabilities | 29.79M | 5.09M | 5.25M | 6.56M |
| Total Liabilities | 2.13B | 2.01B | 2.08B | 2.00B |
| Common Stock | 137.00K | 136.98K | 121.13K | 122.12K |
| Additional Paid-In Capital | 38.68M | 38.38M | 9.39M | 9.07M |
| Retained Earnings | 273.74M | 247.51M | 212.31M | 182.90M |
| Comprehensive Income & Other | -1.25M | -674.90K | -1.56M | -1.72M |
| Total Common Equity | 311.31M | 285.34M | 220.26M | 190.38M |
| Minority Interest | 5.40M | |||
| Shareholders' Equity | 311.31M | 285.34M | 220.26M | 195.78M |
| Total Liabilities & Equity | 2.44B | 2.29B | 2.30B | 2.20B |
| Total Debt | 211.32M | 182.32M | 132.88M | 170.71M |
| Net Cash (Debt) | -28.75M | -23.87M | 67.49M | 4.93M |
| Net Cash Per Share | -2.09 | -1.89 | 5.46 | 0.40 |
| Filing Date Shares Outstanding | 13.71M | 13.70M | 12.11M | 12.19M |
| Total Common Shares Outstanding | 13.71M | 13.70M | 12.11M | 12.19M |
| Book Value Per Share | 22.71 | 20.83 | 18.18 | 15.62 |
| Tangible Book Value | 299.68M | 272.58M | 205.92M | 174.23M |
| Tangible Book Value Per Share | 21.86 | 19.90 | 17.00 | 14.29 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Net Income | 37.20M | 31.41M | 30.69M | |
| Depreciation & Amortization | 3.71M | 4.11M | 2.12M | |
| Gain (Loss) on Sale of Assets | -194.10K | -871.08K | -107.34K | |
| Gain (Loss) on Sale of Investments | -1.64M | 484.51K | 1.42M | |
| Provision for Credit Losses | 463.33K | 1.83M | 3.27M | |
| Accrued Interest Receivable | -263.74K | 1.05M | -2.00M | |
| Change in Other Net Operating Assets | -802.48K | -1.79M | 160.68K | |
| Other Operating Activities | -227.79K | -864.86K | -186.65K | |
| Operating Cash Flow | 37.09M | 38.68M | 38.89M | |
| Capital Expenditures | -1.87M | -3.04M | -3.17M | |
| Sale of Property, Plant and Equipment | 288.21K | 3.47M | 91.50K | |
| Cash Acquisitions | 7.97M | |||
| Investment in Securities | 37.82M | 34.04M | 18.71M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -67.60M | -121.08M | -154.55M | |
| Other Investing Activities | -1.31M | 1.68M | 2.99M | |
| Investing Cash Flow | -32.66M | -84.93M | -127.96M | |
| Short-Term Debt Issued | 184.95M | 69.36M | 78.98M | |
| Long-Term Debt Issued | 8.33M | 2.15M | 27.13M | |
| Total Debt Issued | 193.29M | 71.51M | 106.11M | |
| Short-Term Debt Repaid | -100.09M | -72.02M | -80.67M | |
| Long-Term Debt Repaid | -35.52M | -40.18M | -18.76M | |
| Total Debt Repaid | -135.61M | -112.20M | -99.43M | |
| Net Debt Issued (Repaid) | 57.67M | -40.69M | 6.68M | |
| Issuance of Common Stock | 29.86M | 3.89M | ||
| Repurchase of Common Stock | -980.80K | -1.83M | -2.11M | |
| Common Dividends Paid | -2.00M | -2.00M | -1.50M | |
| Net Increase (Decrease) in Deposit Accounts | -122.86M | 118.71M | 176.13M | |
| Other Financing Activities | -5.68M | |||
| Financing Cash Flow | -38.31M | 68.51M | 183.10M | |
| Net Cash Flow | -33.88M | 22.26M | 94.03M | |
| Free Cash Flow | 35.23M | 35.63M | 35.72M | |
| Free Cash Flow Margin | 39.19% | 41.13% | 45.54% | |
| Free Cash Flow Per Share | 2.79 | 2.88 | 2.92 | |
| Cash Interest Paid | 42.44M | 44.46M | 27.64M | |
| Cash Income Tax Paid | 9.50M | 9.75M | 6.80M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Market Capitalization | 450.65M | 336.42M | ||
| Last Close Price | 32.87 | 24.30 | ||
| PE Ratio | 11.10 | 9.04 | ||
| PS Ratio | 4.77 | 3.74 | ||
| PB Ratio | 1.45 | 1.18 | ||
| P/FCF Ratio | 11.68 | 9.55 | ||
| P/OCF Ratio | 11.02 | 9.07 | ||
| Debt / Equity Ratio | 0.68 | 0.64 | 0.60 | 0.87 |
| Debt / FCF Ratio | 5.17 | 3.73 | 4.78 | |
| Net Debt / Equity Ratio | 0.09 | 0.08 | -0.31 | -0.03 |
| Net Debt / FCF Ratio | 0.68 | -1.89 | -0.14 | |
| Return on Equity (ROE) | 14.65% | 14.71% | 15.23% | |
| Return on Assets (ROA) | 1.75% | 1.62% | 1.41% | |
| Earnings Yield | 9.01% | 11.06% | ||
| FCF Yield | 8.56% | 10.47% | ||
| Dividend Yield | 1.46% | 0.65% | ||
| Payout Ratio | 14.86% | 5.38% | 6.38% | 4.87% |
| Buyback Yield / Dilution | -12.40% | -1.97% | -1.16% | |
| Total Shareholder Return | -10.94% | -1.32% | -1.16% |