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Home CompaniesCommercial Bancgroup, Inc. Common Stock

Commercial Bancgroup, Inc. Common Stock

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
32.94 USD 0.00(0%)
Last update at 2026-11-11T21:00:00Z
VOLUME
282
Market Cap
399.71M
P/E
9.89

Momentum Score

…

Commercial Bancgroup, Inc. operates as the bank holding company for Commercial Bank that provides a range of banking and financial services to individual and corporate customers in Kentucky, North Carolina, and Tennessee. It accepts various deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit products. The company also offers real estate, commercial, and consumer loans, including installment loans, personal lines of credit, and overdraft protection lines. In addition, the company provides treasury management services, remote deposit capture, internet and mobile banking, automated teller machines, and other banking services. The company was formerly known as Harrogate Corporation and changed its name to Commercial Bancgroup, Inc. in April 1989. The company was incorporated in 1975 and is based in Harrogate, Tennessee.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
32.87
Low
33.14
High
52 Week Price Range
23.14
Low
29.89
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Commercial Bancgroup, Inc. (NASDAQ: CBK) appears to operate as a regional bank offering deposit, lending and ancillary financial services, though public disclosures are limited. Long-term growth may be driven by loan portfolio expansion, net interest margin performance tied to the rate environment, fee-income diversification and operational scale, which could make it attractive to investors seeking community-bank exposure.

Material risks include interest-rate sensitivity and credit-cycle exposure, intense competition for deposits and loans, regulatory and capital constraints, and limited trading liquidity for a small-cap bank.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
32.94
Dividend Yield
0.54%
Revenue TTM
89.90M
Revenue Per Share
7.13
Gross Profit TTM
89.90M
Debt / Equity
0.59
ROE
14.71%
Net Debt
166.84M
ROCE
3.69%
Diluted EPS TTM
2.95

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31
Type yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31
Income before tax 47.42M 40.57M 39.69M
Minority interest 0.00M -0.28M -0.52M
Net income 37.20M 31.41M 30.69M
Selling general administrative 26.03M 26.00M 21.78M
Gross profit 90.21M 85.87M 78.39M
Reconciled depreciation 3.71M 4.59M 3.54M
Ebit 47.42M 40.57M 39.69M
Ebitda 49.56M 45.17M 43.23M
Depreciation and amortization 2.14M 4.59M 3.54M
Operating income 47.42M 40.57M 39.69M
Other operating expenses 83.80M 92.76M 72.51M
Interest expense 41.17M 45.63M 30.54M
Tax provision 10.22M 8.89M 8.48M
Interest income 120.98M 123.21M 102.64M
Net interest income 79.81M 77.58M 72.10M
Income tax expense 10.22M 8.89M 8.48M
Total revenue 131.53M 133.33M 112.20M
Total operating expenses 42.48M 45.30M 38.70M
Cost of revenue 41.32M 47.46M 33.81M
Total other income expense net 0.04M - -
Net income from continuing ops 37.20M 31.69M 31.21M
Breakdown 2025-12-31 2024-12-31 2023-12-31
Type yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31
Total assets 2291.11M 2301.21M 2196.61M
Intangible assets 12.77M 5.43M 7.63M
Other current assets 144.57M - -
Total liab 2006.02M 2080.96M 2000.83M
Total stockholder equity 285.09M 220.26M 190.38M
Other current liab 916.95M 1938.60M 1819.92M
Common stock 0.14M 0.12M 0.12M
Capital stock 0.14M 0.12M 0.12M
Retained earnings 247.25M 212.31M 182.90M
Good will 8.51M 8.51M 8.51M
Other assets 2146.54M - -
Cash 118.99M 134.46M 145.08M
Total current liabilities 1005.20M 1946.21M 1829.61M
Net debt 166.84M -25.29M 4.18M
Short term debt 88.25M 3.39M 6.05M
Short long term debt total 166.84M 109.16M 149.26M
Other stockholder equity 38.38M 9.39M 9.07M
Total current assets 144.57M 241.47M 205.36M
Long term investments 140.86M 176.15M 210.67M
Short term investments 43.14M 99.82M 52.04M
Net receivables 7.45M 7.19M 8.24M
Long term debt 148.01M 105.77M 143.22M
Accounts payable 2.96M 4.22M 3.64M
Accumulated other comprehensive income -0.68M -1.56M -1.72M
Non currrent assets other -63.96M 129.31M 94.21M
Non current assets total - 2059.74M 1991.25M
Breakdown 2025-12-31 2024-12-31 2023-12-31
Type yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31
Investments 37.82M -84.93M -127.96M
Total cashflows from investing activities -32.66M -84.93M -127.96M
Net borrowings 57.67M -40.69M 6.68M
Total cash from financing activities -38.31M 68.51M 183.10M
Net income 37.20M 31.69M 31.21M
Change in cash -33.88M 22.26M 94.03M
Begin period cash flow 178.20M 155.94M 61.91M
End period cash flow 144.32M 178.20M 155.94M
Total cash from operating activities 37.09M 38.68M 38.89M
Issuance of capital stock 29.86M 0.00M 3.89M
Depreciation 3.71M 4.59M 3.54M
Other cashflows from investing activities -70.20M -115.93M -151.47M
Dividends paid 2.00M 2.00M 1.50M
Change to account receivables -0.26M 1.05M -2.00M
Sale purchase of stock -0.98M -1.83M -2.11M
Other cashflows from financing activities -122.86M 113.03M 176.13M
Capital expenditures 1.87M 3.04M 3.17M
Change in working capital -1.04M -0.70M 0.34M
Stock based compensation 0.12M 2.14M 0.46M
Other non cash items 0.94M 0.96M 3.34M
Free cash flow 35.23M 35.63M 35.72M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CBK
Commercial Bancgroup, Inc. Common Stock		 -
-%		 32.94 9.89 - 4.45 1.42 6.12
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

Commercial Bancgroup, Inc. Common Stock

Commercial Bancgroup, Inc. operates as the bank holding company for Commercial Bank that provides a range of banking and financial services to individual and corporate customers in Kentucky, North Carolina, and Tennessee. It accepts various deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit products. The company also offers real estate, commercial, and consumer loans, including installment loans, personal lines of credit, and overdraft protection lines. In addition, the company provides treasury management services, remote deposit capture, internet and mobile banking, automated teller machines, and other banking services. The company was formerly known as Harrogate Corporation and changed its name to Commercial Bancgroup, Inc. in April 1989. The company was incorporated in 1975 and is based in Harrogate, Tennessee.

6710 Cumberland Gap Parkway, Harrogate, TN, United States, 37752

423 869 5151

https://www.cbtn.com

281

Name Title Year Born
Mr. John Adam Robertson Executive Chairperson 1975
Mr. Terry L. Lee President, CEO & Director 1955
Mr. Philip J. Metheny CPA, CISA, CITP, M.B.A. Senior EVP & CFO 1958
Mr. Richard C. Sprinkle Jr., M.B.A. Executive VP & Chief Credit Officer of Commercial Bank 1967
Mr. Justin Payne Executive VP & Chief Information Officer NA
Mr. Roger A. Mobley Executive VP & Assistant CFO 1971
Ms. Linda Hurst Corporate Secretary NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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