Commercial Bancgroup Financials
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).
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
The balance sheet became sturdier even without asset growth: liabilities fell to
Financial Health Signals
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.
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.
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.
Commercial Bancgroup converts 29.0% of revenue into free cash flow ($35.2M). This strong cash generation earns a score of 97/100.
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.
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.
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
Earnings & Revenue
Commercial Bancgroup generated $121.6M in revenue in fiscal year 2025. This represents a decrease of 1.3% from the prior year.
Commercial Bancgroup reported $37.2M in net income in fiscal year 2025. This represents an increase of 18.4% from the prior year.
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
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.
Commercial Bancgroup held $144.3M in cash against $78.6M in long-term debt as of fiscal year 2025.
Commercial Bancgroup paid $0.17 per share in dividends in fiscal year 2025. This represents an increase of 6.3% from the prior year.
Commercial Bancgroup had 14M shares outstanding in fiscal year 2025. This represents an increase of 13.1% from the prior year.
Margins & Returns
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.
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
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.
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 | 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 | 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 | 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 | 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.
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.