What is Commercial Bancgroup's earnings per share (EPS)?

Commercial Bancgroup (CBK) reported diluted earnings per share of $2.95 for fiscal year 2025. This represents a 16.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Commercial Bancgroup Financials

CBK

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Commercial Bancgroup (CBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CBK FY2025 2026-05-13

FY2025 earnings improved through lower funding and overhead costs while the balance sheet stayed roughly flat.

With total assets essentially unchanged near $2.3B from FY2024 to FY2025 and revenue slightly lower, net income still rose from $31.4M to $37.2M because interest expense and overhead both fell. That combination says this business generated better earnings from a similar-sized asset base through improved funding economics and cost discipline, not by simply getting bigger.

Cash conversion was unusually clean: FY2025 operating cash flow of $37.1M nearly matched net income of $37.2M, after FY2024 already showed cash running ahead of profit. Because capital spending was only $1.9M, free cash flow stayed close to operating cash flow, which is what you expect when most assets are financial rather than physical.

The balance sheet became sturdier even without asset growth: liabilities fell to $2.01B while equity rose to $285.3M, cutting debt-to-equity from 0.5x to 0.3x. Even after cash declined to $144.3M, it still exceeded long-term debt of $78.6M, reinforcing a less borrowing-dependent funding posture.

Financial Health Signals

Financial Health Score 59/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Commercial Bancgroup's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Stability

Piotroski F-Score Partial

4/7

Commercial Bancgroup passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

1.00x

For every $1 of reported earnings, Commercial Bancgroup generates $1.00 in operating cash flow ($37.1M OCF vs $37.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$121.6M

YoY-1.3%

Commercial Bancgroup generated $121.6M in revenue in fiscal year 2025. This represents a decrease of 1.3% from the prior year.

EBITDA

N/A

Net Income

$37.2M

YoY+18.4%

Commercial Bancgroup reported $37.2M in net income in fiscal year 2025. This represents an increase of 18.4% from the prior year.

EPS (Diluted)

$2.95

YoY+16.1%

Commercial Bancgroup earned $2.95 per diluted share (EPS) in fiscal year 2025. This represents an increase of 16.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$35.2M

YoY-1.1%

Commercial Bancgroup generated $35.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 1.1% from the prior year.

Cash & Debt

$144.3M

YoY-19.0%

Commercial Bancgroup held $144.3M in cash against $78.6M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.17

YoY+6.3%

Commercial Bancgroup paid $0.17 per share in dividends in fiscal year 2025. This represents an increase of 6.3% from the prior year.

Shares Outstanding

14M

YoY+13.1%

Commercial Bancgroup had 14M shares outstanding in fiscal year 2025. This represents an increase of 13.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

30.6%

YoY+5.1pp

Commercial Bancgroup's net profit margin was 30.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.1 percentage points from the prior year.

Return on Equity

13.0%

YoY-1.2pp

Commercial Bancgroup's ROE was 13.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$981K

YoY-46.4%

Commercial Bancgroup spent $981K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 46.4% from the prior year.

Capital Expenditures

$1.9M

YoY-38.7%

Commercial Bancgroup invested $1.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 38.7% from the prior year.

CBK Income Statement

Metric	FY25	FY24
Revenue	$121.6M-1.3%	$123.2M
Cost of Revenue	N/A	N/A
Gross Profit	N/A	N/A
R&D Expenses	N/A	N/A
SG&A Expenses	$42.5M-7.8%	$46.1M
Operating Income	N/A	N/A
Interest Expense	$41.2M-9.8%	$45.6M
Income Tax	$10.2M+15.0%	$8.9M
Net Income	$37.2M+18.4%	$31.4M
EPS (Diluted)	$2.95+16.1%	$2.54

Metric	Q1'26	Q4'25	Q3'25	Q1'25	Q4'24	Q3'24
Revenue	$29.5M	N/A	$30.0M-2.4%	$30.8M	N/A	$30.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$11.1M	N/A	$10.6M-0.3%	$10.6M	N/A	$10.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$9.0M	N/A	$9.8M-14.2%	$11.4M	N/A	$11.6M
Income Tax	$2.3M	N/A	$2.8M+12.7%	$2.5M	N/A	$1.8M
Net Income	$9.5M	N/A	$9.5M+8.9%	$8.7M	N/A	$9.2M
EPS (Diluted)	$0.70	N/A	$0.77+6.9%	$0.72	N/A	$0.74

CBK Balance Sheet

Metric	FY25	FY24
Total Assets	$2.3B-0.4%	$2.3B
Current Assets	N/A	N/A
Cash & Equivalents	$144.3M-19.0%	$178.2M
Inventory	N/A	N/A
Accounts Receivable	N/A	N/A
Goodwill	$8.5M0.0%	$8.5M
Total Liabilities	$2.0B-3.6%	$2.1B
Current Liabilities	N/A	N/A
Long-Term Debt	$78.6M-25.7%	$105.8M
Total Equity	$285.3M+29.6%	$220.3M
Retained Earnings	$247.5M+16.6%	$212.3M

Metric	Q1'26	Q4'25	Q3'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.3B+1.6%	$2.3B+3.5%	$2.2B	N/A	$2.3B	N/A
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$168.4M+16.7%	$144.3M-6.8%	$154.8M+2.9%	$150.5M-15.5%	$178.2M-1.2%	$180.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$8.5M0.0%	$8.5M0.0%	$8.5M	N/A	$8.5M	N/A
Total Liabilities	$2.0B+1.5%	$2.0B+1.9%	$2.0B	N/A	$2.1B	N/A
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$73.2M-6.9%	$78.6M-21.5%	$100.1M	N/A	$105.8M	N/A
Total Equity	$293.5M+2.9%	$285.3M+16.4%	$245.2M+8.4%	$226.2M+2.7%	$220.3M+2.5%	$214.8M
Retained Earnings	$255.7M+3.3%	$247.5M+4.3%	$237.4M	N/A	$212.3M	N/A

CBK Cash Flow Statement

Metric	FY25	FY24
Operating Cash Flow	$37.1M-4.1%	$38.7M
Capital Expenditures	$1.9M-38.7%	$3.0M
Free Cash Flow	$35.2M-1.1%	$35.6M
Investing Cash Flow	-$32.7M+61.5%	-$84.9M
Financing Cash Flow	-$38.3M-155.9%	$68.5M
Dividends Paid	$2.0M0.0%	$2.0M
Share Buybacks	$981K-46.4%	$1.8M

Metric	Q1'26	Q4'25	Q3'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$13.4M+46.7%	$9.1M	N/A	$12.1M+18.1%	$10.2M	N/A
Capital Expenditures	$237K-27.4%	$327K	N/A	$333K-31.0%	$482K	N/A
Free Cash Flow	$13.1M+49.5%	$8.8M	N/A	$11.7M+20.5%	$9.7M	N/A
Investing Cash Flow	-$15.2M+82.9%	-$88.6M	N/A	-$319K+99.4%	-$52.6M	N/A
Financing Cash Flow	$25.9M-62.5%	$69.0M	N/A	-$39.4M-198.1%	$40.2M	N/A
Dividends Paid	$1.4M	$0	N/A	$2.0M	$0	N/A
Share Buybacks	$981K	$0	N/A	$981K-45.0%	$1.8M	N/A

CBK Financial Ratios

Metric	FY25	FY24
Gross Margin	N/A	N/A
Operating Margin	N/A	N/A
Net Margin	30.6%+5.1pp	25.5%
Return on Equity	13.0%-1.2pp	14.3%
Return on Assets	1.6%+0.3pp	1.4%
Current Ratio	N/A	N/A
Debt-to-Equity	0.28-0.2	0.48
FCF Margin	29.0%+0.1pp	28.9%

Metric	Q1'26	Q4'25	Q3'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	32.4%	N/A	31.5%+3.3pp	28.2%	N/A	30.1%
Return on Equity	3.3%	N/A	3.9%+0.0pp	3.8%	N/A	4.3%
Return on Assets	0.4%	N/A	0.4%	N/A	N/A	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.25-0.0	0.28-0.1	0.41	N/A	0.48	N/A
FCF Margin	44.5%	N/A	N/A	38.1%	N/A	N/A

Frequently Asked Questions

What is Commercial Bancgroup's annual revenue?

Commercial Bancgroup (CBK) reported $121.6M in total revenue for fiscal year 2025. This represents a -1.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Commercial Bancgroup's revenue growing?

Commercial Bancgroup (CBK) revenue declined by 1.3% year-over-year, from $123.2M to $121.6M in fiscal year 2025.

Is Commercial Bancgroup profitable?

Yes, Commercial Bancgroup (CBK) reported a net income of $37.2M in fiscal year 2025, with a net profit margin of 30.6%.

How much debt does Commercial Bancgroup have?

As of fiscal year 2025, Commercial Bancgroup (CBK) had $144.3M in cash and equivalents against $78.6M in long-term debt.

What is Commercial Bancgroup's net profit margin?

Commercial Bancgroup (CBK) had a net profit margin of 30.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Commercial Bancgroup pay dividends?

Yes, Commercial Bancgroup (CBK) paid $0.17 per share in dividends during fiscal year 2025.

What is Commercial Bancgroup's return on equity (ROE)?

Commercial Bancgroup (CBK) has a return on equity of 13.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Commercial Bancgroup's free cash flow?

Commercial Bancgroup (CBK) generated $35.2M in free cash flow during fiscal year 2025. This represents a -1.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Commercial Bancgroup's operating cash flow?

Commercial Bancgroup (CBK) generated $37.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Commercial Bancgroup's total assets?

Commercial Bancgroup (CBK) had $2.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Commercial Bancgroup's capital expenditures?

Commercial Bancgroup (CBK) invested $1.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Commercial Bancgroup buy back shares?

Yes, Commercial Bancgroup (CBK) spent $981K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Commercial Bancgroup have outstanding?

Commercial Bancgroup (CBK) had 14M shares outstanding as of fiscal year 2025.

What is Commercial Bancgroup's debt-to-equity ratio?

Commercial Bancgroup (CBK) had a debt-to-equity ratio of 0.28 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Commercial Bancgroup's return on assets (ROA)?

Commercial Bancgroup (CBK) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Commercial Bancgroup's Piotroski F-Score?

Commercial Bancgroup (CBK) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Commercial Bancgroup's earnings high quality?

Commercial Bancgroup (CBK) has an earnings quality ratio of 1.00x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Commercial Bancgroup?

Commercial Bancgroup (CBK) scores 59 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.