Commercial Bancgroup (CBK) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CBK SEC filings page.
Commercial Bancgroup, Inc. (CBK) reported $93.5M in revenue over the twelve months to Jun 30, 2026. This page shows its 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).
Profit expanded much faster than revenue as lower interest expense lifted margins while the bank simultaneously reduced leverage and strengthened equity.
Net income rose18.4% , while operating cash flow fell4.1% . That pushed cash conversion from123.1% to99.7% , indicating earnings remained cash-backed but with less excess cash relative to reported earnings than in FY2024.
Revenue grew only
Liabilities fell
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. 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, Inc.'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.
Commercial Bancgroup, Inc. earned a return on assets of 1.6% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.4% the prior year. Earnings ranks banks on that return over three years, and Commercial Bancgroup, Inc. scores 87/100 among other banks.
Commercial Bancgroup, Inc. reported revenue of $90.4M in fiscal year 2025, against $88.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Commercial Bancgroup, Inc. scores 22/100 among other banks.
Commercial Bancgroup, Inc. funded 12.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $285.3M of equity against $2.3B of assets. Capital ranks banks on that cushion, and Commercial Bancgroup, Inc. scores 69/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Commercial Bancgroup, Inc. scores 90/100 on it among other banks.
Not available for Commercial Bancgroup, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
Commercial Bancgroup, Inc. reported net income of $37.2M in fiscal year 2025, against $31.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Commercial Bancgroup, Inc. scores 91/100 among other banks.
Commercial Bancgroup, Inc. passes 5 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, the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
Commercial Bancgroup, Inc. generated $24.2M in revenue in Q2 2026. This represents an increase of 8.4% from the same quarter a year earlier. Against the prior quarter it is up 4.8%.
Commercial Bancgroup, Inc. reported $10.2M in net income in Q2 2026. This represents an increase of 14.8% from the same quarter a year earlier. Against the prior quarter it is up 7.1%.
Commercial Bancgroup, Inc. earned $0.74 per diluted share (EPS) in Q2 2026. This represents an increase of 1.4% from the same quarter a year earlier. Against the prior quarter it is up 5.7%.
Not reported for Q2 2026.
Cash & Balance Sheet
Commercial Bancgroup, Inc. generated $8.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 28.7% from the same quarter a year earlier. Against the prior quarter it is down 33.0%.
Commercial Bancgroup, Inc. held $170.1M in cash against $73.2M in long-term debt as of Q2 2026.
Commercial Bancgroup, Inc. paid $0.10 per share in dividends in Q2 2026. It is unchanged from the prior quarter.
Margins & Returns
Commercial Bancgroup, Inc.'s net profit margin was 42.3% in Q2 2026, showing the share of revenue converted to profit. This is up 2.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.9 percentage points.
Commercial Bancgroup, Inc.'s quarterly ROE was 3.4% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Commercial Bancgroup, Inc. invested $1.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 76.2% from the same quarter a year earlier. Against the prior quarter it is up 431.7%.
Not reported for Q2 2026.
Not reported for Q2 2026.
CBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $24.2M+8.4% | $23.1M+5.9% | $23.4M | $22.8M+4.5% | $22.3M | $21.8M | N/A | $21.9M |
| Interest Expense | $8.6M-20.0% | $9.0M-21.4% | $9.1M | $9.8M-15.3% | $10.8M | $11.4M | N/A | $11.6M |
| Income Tax | $2.7M+0.8% | $2.3M-7.3% | $2.2M | $2.8M+56.3% | $2.7M | $2.5M | N/A | $1.8M |
| Net Income | $10.2M+14.8% | $9.5M+9.7% | $10.1M | $9.5M+2.8% | $8.9M | $8.7M | N/A | $9.2M |
| EPS (Basic) | $0.75+2.7% | $0.70-2.8% | $0.73+65.9% | $0.77+2.7% | $0.73 | $0.72 | $0.44 | $0.75 |
| EPS (Diluted) | $0.74+1.4% | $0.70-2.8% | $0.73+65.9% | $0.77+4.1% | $0.73 | $0.72 | $0.44 | $0.74 |
| Diluted Shares (Avg) | 14M+11.9% | 14M+12.9% | N/A | 12M+0.3% | 12M | 12M | N/A | 12M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
CBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.4B | $2.3B | $2.3B-0.4% | $2.2B | N/A | N/A | $2.3B | N/A |
| Cash & Equivalents | $170.1M+12.4% | $168.4M+11.9% | $144.3M-19.0% | $154.8M-14.2% | $151.3M | $150.5M | $178.2M | $180.3M |
| Goodwill | $8.5M | $8.5M | $8.5M0.0% | $8.5M | N/A | N/A | $8.5M | N/A |
| Total Liabilities | $2.1B | $2.0B | $2.0B-3.6% | $2.0B | N/A | N/A | $2.1B | N/A |
| Long-Term Debt | $73.2M | $73.2M | $78.6M-25.7% | $100.1M | N/A | N/A | $105.8M | N/A |
| Total Equity | $302.6M+28.6% | $293.5M+29.8% | $285.3M+29.6% | $245.2M+14.1% | $235.3M | $226.2M | $220.3M | $214.8M |
| Retained Earnings | $264.5M | $255.7M | $247.5M+16.6% | $237.4M | N/A | N/A | $212.3M | N/A |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.
CBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $10.1M+33.2% | $13.4M+10.7% | $9.1M-10.9% | $8.4M | $7.5M | $12.1M | $10.2M | N/A |
| Depreciation & Amortization | $942K+17.3% | $933K-1.6% | $1.0M+0.8% | $955K-10.1% | $803K | $948K | $992K | $1.1M |
| Stock-Based Compensation | N/A | $159K | N/A | N/A | N/A | N/A | N/A | N/A |
| Capital Expenditures | $1.3M+76.2% | $237K-28.7% | $327K-32.2% | $489K | $716K | $333K | $482K | N/A |
| Free Cash Flow | $8.8M+28.7% | $13.1M+11.8% | $8.8M-9.8% | $7.9M | $6.8M | $11.7M | $9.7M | N/A |
| Investing Cash Flow | -$46.1M-1063.6% | -$15.2Mn/m | -$88.6Mn/m | $51.5M | $4.8M | -$319K | -$52.6M | N/A |
| Financing Cash Flow | $37.8Mn/m | $25.9Mn/m | $69.0M+71.7% | -$56.4M | -$11.5M | -$39.4M | $40.2M | N/A |
| Dividends Paid | $1.4Mn/m | $1.4M-31.6% | $0n/m | $0 | $0 | $2.0M | $0 | N/A |
| Share Buybacks | N/A | N/A | $0-100.0% | $0 | $0 | $981K | $1.8M | N/A |
CBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 42.3%+2.3pp | 41.3%+1.4pp | 43.2% | 41.4%-0.7pp | 39.9% | 39.9% | N/A | 42.1% |
| Return on Equity | 3.4%-0.4pp | 3.3%-0.6pp | 3.5% | 3.9%-0.4pp | 3.8% | 3.8% | N/A | 4.3% |
| Return on Assets | 0.4% | 0.4% | 0.4% | 0.4% | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.24 | 0.25 | 0.28-0.2x | 0.41 | N/A | N/A | 0.48 | N/A |
| Liabilities-to-Equity | 6.85 | 6.93 | 7.03-2.4x | 8.03 | N/A | N/A | 9.45 | N/A |
| Asset Turnover | 0.01 | 0.01 | 0.01 | 0.01 | N/A | N/A | N/A | N/A |
| FCF Margin | 36.4%+5.7pp | 56.9%+3.0pp | 37.4% | 34.6% | 30.6% | 53.8% | N/A | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Commercial Bancgroup, Inc. CBK | FY2025 | $90.4M | $37.2M | 41.2% | $447.5M | 72/100 |
| RBB Bancorp RBB | FY2025 | $129.2M | $31.9M | 24.7% | $434.7M | 44/100 |
| West Bancorporation WTBA | FY2025 | $95.2M | $32.6M | 34.2% | $523.4M | 50/100 |
| Home Bancorp, Inc. HBCP | FY2025 | $148.7M | $46.1M | 31.0% | $472.3M | 63/100 |
| Plumas Bancorp PLBC | FY2025 | $98.3M | $29.6M | 30.1% | $434.4M | 76/100 |
Where Commercial Bancgroup, Inc. Ranks
Frequently Asked Questions
Commercial Bancgroup, Inc. (CBK) reported $90.4M in total revenue for fiscal year 2025. This represents a 2.1% 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.
Commercial Bancgroup, Inc. (CBK) revenue grew by 2.1% year-over-year, from $88.5M to $90.4M in fiscal year 2025.
Yes, Commercial Bancgroup, Inc. (CBK) reported a net income of $39.4M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $37.2M, with a net profit margin of 41.2%.
As of fiscal year 2025, Commercial Bancgroup, Inc. (CBK) had $144.3M in cash and equivalents against $78.6M in long-term debt.
Commercial Bancgroup, Inc. (CBK) had a net profit margin of 41.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Yes, Commercial Bancgroup, Inc. (CBK) paid $0.17 per share in dividends during fiscal year 2025.
Commercial Bancgroup, Inc. (CBK) has a return on equity of 13.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
Commercial Bancgroup, Inc. (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.
Commercial Bancgroup, Inc. (CBK) generated $37.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
Commercial Bancgroup, Inc. (CBK) had $2.3B in total assets as of fiscal year 2025, including both current and long-term assets.
Commercial Bancgroup, Inc. (CBK) invested $1.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Commercial Bancgroup, Inc. (CBK) had a debt-to-equity ratio of 0.28 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
Commercial Bancgroup, Inc. (CBK) had a liabilities-to-equity ratio of 7.03 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
Commercial Bancgroup, Inc. (CBK) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
Commercial Bancgroup, Inc. (CBK) trades at 11.4x earnings, its market capitalization divided by $39.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $447.5M as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Commercial Bancgroup, Inc. (CBK) trades at 4.8x sales, its market capitalization divided by $93.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $447.5M as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Commercial Bancgroup, Inc. (CBK) has a Piotroski F-Score of 5 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.
Commercial Bancgroup, Inc. (CBK) scores 72 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is the average 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. For Commercial Bancgroup, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. 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.