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CBK

Commercial Bancgroup, Inc. Common Stock

CBK

Commercial Bancgroup, Inc. Common Stock • NASDAQ
$24.73 ▲ 0.12% (+0.03)
Market Cap $338.75 M
52w High $25.89
52w Low $23.36
Dividend Yield 0%
P/E 10.39
Volume 25.02K
Outstanding Shares 13.70M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q2-2025 $33.051M ▼ $10.693M ▲ $8.9M ▲ 26.927% ▲ $0 ▼ $11.547M ▼
Q1-2025 $33.236M ▼ $10.609M ▼ $8.692M ▲ 26.151% ▲ $0.66 ▲ $11.983M ▼
Q2-2024 $33.678M ▲ $11.142M ▲ $8.009M ▼ 23.782% ▼ $0 ▼ $12.197M ▲
Q1-2024 $32.627M $10.456M $8.583M 26.307% $0.7 $11.897M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $199.362M ▼ $2.263B ▼ $2.027B ▼ $235.268M ▲
Q1-2025 $209.433M $2.267B $2.041B $226.18M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $8.9M ▲ $7.547M ▼ $4.783M ▲ $-11.54M ▲ $789.921K ▲ $6.83M ▼
Q1-2025 $8.692M ▲ $12.061M ▲ $-319.479K ▲ $-39.447M ▼ $-27.705M ▼ $11.728M ▲
Q2-2024 $8.044M ▼ $6.354M ▼ $-13.163M ▲ $9.392M ▲ $2.583M ▲ $5.673M ▼
Q1-2024 $8.824M $11.583M $-18.776M $-3.355M $-10.548M $9.863M

Five-Year Company Overview

Income Statement

Income Statement The bank’s income statement shows a steady, traditional community banking profile. Revenue has been growing modestly, and earnings have held at a similar level year over year, suggesting stable core profitability rather than rapid expansion. Margins appear reasonably healthy for a community bank, with operating and net results tracking close together, which implies decent cost discipline and no obvious sign of profit erosion in the most recent period. Overall, performance looks more like careful, incremental growth than aggressive risk‑taking.

Balance Sheet

Balance Sheet The balance sheet has been edging stronger. Total assets have grown, which fits with a bank slowly expanding its lending and deposit base. Equity has increased faster than debt, pointing to a gradual thickening of the capital cushion and a slight improvement in leverage. Debt levels have come down, which reduces financial strain, while cash has slipped a bit but not in a way that suggests stress. Taken together, the bank looks better capitalized and somewhat less reliant on borrowed funds than before, which is generally a sign of a more conservative, resilient balance sheet.

Cash Flow

Cash Flow Detailed cash flow information is not available here, which limits visibility into how earnings translate into actual cash generation. For banks, reported cash flow can be noisy because of loan and deposit movements, so analysts usually focus heavily on consistency of earnings and capital levels instead. Given the stable profits and growing equity, it appears that the bank is generating enough internal capital to support moderate growth, but without full cash flow data it is harder to judge the quality and volatility of that cash generation with confidence.

Competitive Edge

Competitive Edge Commercial Bancgroup operates as a classic community bank in a defined regional footprint, competing on relationships rather than scale. Its strengths lie in long‑standing local presence, deep ties to small and mid‑sized businesses, and the ability to make decisions locally and quickly. This can create strong loyalty and some insulation from pure price competition. Strategic acquisitions have added new markets and some scale without abandoning the community focus. On the other hand, it faces stiff competition from large national banks with broader product sets and from digital‑first players that can undercut on convenience or pricing. Concentration in specific regions and in commercial and real‑estate‑linked lending can also heighten exposure to local economic downturns.

Innovation and R&D

Innovation and R&D Innovation here is practical rather than disruptive. The bank relies on industry‑standard online and mobile banking, digital loan processing, and business banking tools, aiming to integrate these into a highly personalized service model. There is no clear emphasis on proprietary technology or heavy formal R&D, but there is ongoing investment in improving digital channels and efficiency. Future upside likely depends on how well the bank can keep modernizing its digital offerings, add higher‑margin services like wealth management, and use technology to deepen relationships rather than replace them. The main risk is falling behind larger or more tech‑savvy competitors if digital investments are too slow or too limited.

Summary

Commercial Bancgroup presents as a steady, relationship‑driven community bank with modest growth, stable earnings, and a gradually strengthening balance sheet. Its edge comes from local knowledge, personal service, and disciplined expansion through selective acquisitions. The recent IPO opens access to capital but also brings more scrutiny over growth, risk management, and returns. Key factors to watch include credit quality in its lending book, integration and performance of acquired banks, the pace and effectiveness of digital upgrades, and how management balances community‑bank culture with the expectations of public‑market investors.

NEWS

October 27, 2025 · 4:30 PM UTC

Commercial Bancgroup, Inc. Announces Results for Third Quarter 2025

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October 20, 2025 · 5:30 PM UTC

Commercial Bancgroup, Inc. Announces Dates for Third Quarter 2025 Earnings Release and Conference Call

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October 3, 2025 · 4:15 PM UTC

Commercial Bancgroup, Inc. Announces Closing of Over $172 Million Initial Public Offering

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