Commercial Bancgroup, Inc. (CBK) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Commercial Bancgroup reported revenue of $90.4M. Net income was $37.2M (a 41.2% net margin), or $2.95 per diluted share. Net interest income was $80.4M, and the efficiency ratio (noninterest expense / revenue) was 47.0%. Operating activities generated $37.1M of cash, leaving $35.2M of free cash flow. At fiscal year end, Commercial Bancgroup held $2.29B in total assets against $2.01B in total liabilities, including $144.3M of cash and equivalents.
Open the full interactive Commercial Bancgroup financials → Quarterly statements, key ratios, valuation history and price charts.
Commercial Bancgroup Key Stats
| Share Price | $31.15 |
|---|---|
| Market Cap | $426.8M |
| P/E Ratio | 10.6 |
| Dividend Yield | 0.47% |
| 52-Week Range | $23.35 – $35.31 |
| Shares Outstanding | 13.7 million (basic, 2026 Q2) |
Commercial Bancgroup Income Statement
| FY 2025 | |
|---|---|
| Net Interest Income | $80.4M |
| Provision for Credit Losses | $463,326 |
| Noninterest Income | $9.9M |
| Noninterest Expense | $42.5M |
| Revenue | $90.4M |
| Pre-Tax Income | $47.4M |
| Income Tax | $10.2M |
| Net Income | $37.2M |
| Diluted EPS | $2.95 |
Commercial Bancgroup Quarterly Results
| 2025 Q3 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|
| Revenue | $22.8M | $23.1M | $24.2M |
| Net Income | $9.5M | $9.5M | $10.2M |
| Diluted EPS | $0.77 | $0.70 | $0.74 |
Commercial Bancgroup Balance Sheet
| FY 2025 | |
|---|---|
| Cash & Equivalents | $144.3M |
| Total Assets | $2.29B |
| Deposits | $1.82B |
| Total Long-Term Debt | $78.6M |
| Total Liabilities | $2.01B |
| Shareholders' Equity | $285.3M |
Commercial Bancgroup Cash Flow Statement
| FY 2025 | |
|---|---|
| Cash From Operations | $37.1M |
| Cash From Investing | -$32.7M |
| Cash From Financing | -$38.3M |
| Free Cash Flow | $35.2M |
| Dividends Paid | $2.0M |
Figures from Commercial Bancgroup's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Commercial Bancgroup financials page for every line item.
Commercial Bancgroup Company Profile
| Ticker | CBK |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Harrogate, Tennessee |
| Incorporated in | Tennessee |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company, emerging growth company |
| SEC CIK | 0001981546 |
Frequently Asked Questions
What was Commercial Bancgroup's revenue in fiscal 2025?
Commercial Bancgroup (CBK) reported revenue of $90.4M for fiscal 2025.
What was Commercial Bancgroup's net income in fiscal 2025?
Commercial Bancgroup reported net income of $37.2M for fiscal 2025.
What was Commercial Bancgroup's earnings per share (EPS) in fiscal 2025?
Commercial Bancgroup's diluted EPS was $2.95 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Commercial Bancgroup generate in fiscal 2025?
Commercial Bancgroup generated $35.2M of free cash flow in fiscal 2025.
What was Commercial Bancgroup's revenue last quarter?
In its most recent reported quarter (2026 Q2), Commercial Bancgroup reported revenue of $24.2M.
How much debt does Commercial Bancgroup have?
Commercial Bancgroup reported $78.6M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Commercial Bancgroup are outstanding?
Commercial Bancgroup reported a weighted average of 13.7 million basic shares outstanding in 2026 Q2.
What is Commercial Bancgroup's market cap?
Based on its latest closing price, Commercial Bancgroup (CBK) has a market capitalization of about $426.8M.
When does Commercial Bancgroup's fiscal year end?
Commercial Bancgroup's fiscal year end, as registered with the SEC, is December 31.
Where is Commercial Bancgroup headquartered?
Commercial Bancgroup lists its business address in Harrogate, Tennessee in its SEC filings.