Commercial Bancgroup, Inc. CBK
located in Harrogate, Tennessee, and have elected under the BHC Act to become a financial holding company. We were incorporated in Tennessee
in 1975, and we operate primarily through our wholly owned bank subsidiary, Commercial Bank, a Tennessee banking corporation organized
in 1976 (the "Bank"). The Bank is a full-service community banking institution that offers traditional consumer and commercial
products and services to serve businesses and individuals in select markets in Kentucky, North Carolina, and Tennessee. As of December 31,
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| Revenue | $121.6M | $123.2M | — |
| Interest expense | $80.4M | $77.6M | — |
| Pre-tax income | $47.4M | $40.6M | — |
| Income tax | $10.2M | $8.9M | — |
| Net income | $37.2M | $31.4M | — |
| EPS, basic | 2.95 | 2.58 | — |
| EPS, diluted | 2.95 | 2.54 | — |
| Shares, diluted (wtd. avg.) | 12.6M | 12.2M | — |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| Cash and equivalents | $144.3M | $178.2M | $155.9M |
| Property, plant and equipment | $49.8M | $50.3M | — |
| Goodwill | $8.5M | $8.5M | $8.5M |
| Other intangibles | $4.3M | $5.8M | $7.6M |
| Total assets | $2.29B | $2.30B | — |
| Short-term debt | $88.3M | $3.4M | — |
| Long-term debt | $78.6M | $105.8M | — |
| Total liabilities | $2.01B | $2.08B | — |
| Retained earnings | $247.5M | $212.3M | — |
| Total equity | $285.3M | $220.3M | $195.8M |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| Operating cash flow | $37.1M | $38.7M | — |
| Depreciation and amortisation | $2.1M | $2.3M | — |
| Stock-based compensation | $124.4K | $2.1M | — |
| Capital expenditure | $1.9M | $3.0M | — |
| Investing cash flow | -$32.7M | -$84.9M | — |
| Financing cash flow | -$38.3M | $68.5M | — |
| Dividends paid | $2.0M | $2.0M | — |
| Buybacks | $980.8K | $1.8M | — |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001213900-26-033659.
Plot the figures US dollars
- Revenue
- Gross profit
- Net income
| Fiscal year | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Revenue | — | $123.2M | $121.6M |
| Gross profit | — | — | — |
| Net income | — | $31.4M | $37.2M |
Recent filings and events
- Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
- Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
- Results announced Item 2.02
- Shareholder vote The results of the annual meeting or a special vote. Item 5.07
- Regulation FD disclosure Item 7.01
- Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
- Regulation FD disclosure Item 7.01
- Results announced Item 2.02
- Results announced Item 2.02
- Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.
Others in SIC 6022
| Ticker | Company | Market cap | P/E | Revenue growth |
|---|---|---|---|---|
| BNY | Bank of New York Mellon Corp | $98.57B | 19.6x | 7.8% |
| FITB | FIFTH THIRD BANCORP | $48.05B | 15.0x | -5.0% |
| STT | STATE STREET CORP | $46.10B | 17.9x | 7.3% |
| MTB | M&T BANK CORP | $32.01B | 13.0x | 7.5% |
| NTRS | NORTHERN TRUST CORP | $30.72B | 19.2x | 6.1% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | $27.44B | 16.9x | 6.7% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | $27.41B | 14.4x | -2.2% |
| EWBC | EAST WEST BANCORP INC | $17.97B | 13.8x | 2.4% |