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) Updated Dec 31, 2025 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 2026-04-22

Commercial Bancgroup’s profit engine strengthened through lower funding costs and expense discipline even as reported revenue edged lower.

From FY2024 to FY2025, net income climbed from $31.4M to $37.2M even though reported revenue was slightly lower. At the same time, interest expense fell to $41.2M and total liabilities shrank by $74.8M, which makes the lower cash balance look more like deliberate balance-sheet reshaping than a weak cash engine.

Cash conversion is unusually clean: FY2025 operating cash flow of $37.1M was essentially in line with net income, and capex of only $1.9M left most earnings available as free cash flow. That pattern says the business is light on reinvestment needs, so reported profit is showing up in cash rather than being consumed by upkeep.

With total assets near $2.29B but return on assets only 1.6%, this operates like a spread business where small changes in funding cost and efficiency can move shareholder returns meaningfully. That dynamic showed up in FY2025: return on equity eased to 13.0% even as equity thickened, because leverage came down and debt-to-equity fell to 0.3x.

Financial Health Signals

Financial Profile 44/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

Commercial Bancgroup's revenue declined 1.3% year-over-year, from $123.2M to $121.6M. This contraction results in a growth score of 31/100.

Leverage

Commercial Bancgroup carries a low D/E ratio of 0.28, meaning only $0.28 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 96/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Commercial Bancgroup converts 29.0% of revenue into free cash flow ($35.2M). This strong cash generation earns a score of 97/100.

Returns

Commercial Bancgroup's ROE of 13.0% shows moderate profitability relative to equity, earning a score of 41/100. This is down from 14.3% the prior year.

Piotroski F-Score Neutral

4/9

Commercial Bancgroup passes 4 of 9 financial strength tests. 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

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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	Q4'25	Q3'25	Q4'24	Q3'24
Revenue	N/A	$30.0M	N/A	$30.6M
Cost of Revenue	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	$10.6M	N/A	$10.5M
Operating Income	N/A	N/A	N/A	N/A
Interest Expense	N/A	$9.8M	N/A	$11.6M
Income Tax	N/A	$2.8M	N/A	$1.8M
Net Income	N/A	$9.5M	N/A	$9.2M
EPS (Diluted)	N/A	$0.77	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	Q4'25	Q3'25	Q4'24	Q3'24
Total Assets	$2.3B+3.5%	$2.2B-3.8%	$2.3B	N/A
Current Assets	N/A	N/A	N/A	N/A
Cash & Equivalents	$144.3M-6.8%	$154.8M-13.1%	$178.2M-1.2%	$180.3M
Inventory	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A
Goodwill	$8.5M0.0%	$8.5M0.0%	$8.5M	N/A
Total Liabilities	$2.0B+1.9%	$2.0B-5.4%	$2.1B	N/A
Current Liabilities	N/A	N/A	N/A	N/A
Long-Term Debt	$78.6M-21.5%	$100.1M-5.4%	$105.8M	N/A
Total Equity	$285.3M+16.4%	$245.2M+11.3%	$220.3M+2.5%	$214.8M
Retained Earnings	$247.5M+4.3%	$237.4M+11.8%	$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	Q4'25	Q3'25	Q4'24	Q3'24
Operating Cash Flow	$9.1M	N/A	$10.2M	N/A
Capital Expenditures	$327K	N/A	$482K	N/A
Free Cash Flow	$8.8M	N/A	$9.7M	N/A
Investing Cash Flow	-$88.6M	N/A	-$52.6M	N/A
Financing Cash Flow	$69.0M	N/A	$40.2M	N/A
Dividends Paid	$0	N/A	$0	N/A
Share Buybacks	$0	N/A	$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	Q4'25	Q3'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A
Net Margin	N/A	31.5%	N/A	30.1%
Return on Equity	N/A	3.9%	N/A	4.3%
Return on Assets	N/A	0.4%	N/A	N/A
Current Ratio	N/A	N/A	N/A	N/A
Debt-to-Equity	0.28-0.1	0.41-0.1	0.48	N/A
FCF Margin	N/A	N/A	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 9, indicating neutral financial health. 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 44 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.