CBK · NASDAQ · Banks - Regional

Commercial Bancgroup (CBK)

Runs relationship banking across Tennessee, Kentucky, and North Carolina from a Harrogate base.

$34.56
Pre-market+0.20 (+0.57%)
At close$34.37(+1.82%)
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Commercial Bancgroup, Inc. Common StockCBKFinancials

Offers full-service community banking to businesses and individuals across select Tennessee, Kentucky, and North Carolina markets. Revenue is built around relationship lending and core customer deposits, with one reportable segment and commercial-real-estate credit exposure shaping the business.

Operates through Commercial Bank, a full-service community bank serving businesses and individuals in select Tennessee, Kentucky, and North Carolina markets. Products include deposits, commercial and commercial-real-estate loans, construction and land-development loans, residential mortgage and home-equity credit, consumer loans, treasury management, remote deposit capture, commercial internet banking, and digital/mobile banking.

Growth has combined local branch openings with whole-bank acquisitions, including the Alliance transaction that added Charlotte-area North Carolina branches. Loan growth is funded primarily through core customer deposits, and management evaluates the financial-services operation as one reportable segment.

Execution depends on relationship service, digital and payments upgrades, and disciplined credit management. The bank is chartered under Tennessee law, is a Federal Reserve member bank with FDIC-insured deposits, and its commercial-real-estate concentration draws enhanced regulatory scrutiny.

Company facts

CEOTerry L. Lee
ListedOct 2, 2025
ExchangeNASDAQ
HeadquartersHarrogate, TN
CountryUnited States
Employees298
CIK0001981546
ISINUS20112C1062

Market cap$471.2M
EPS (ttm)$2.93
P/E (ttm)11.74
ROE13.9%
P/B1.56
P/S3.66
Dividend yieldDiv yield0.29%
Beta0.36vs XLF 0.68

No analyst consensus on record.

Next report
Oct 26, 2026
estimated · in 53 days
EPS estimate
$0.75
Revenue estimate
$24.6M
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Dec '24Mar '25Jun '25Oct '25Jan '26Jun '26Jul '26Oct '26
Reported$0.44$0.66$0.68$0.77$0.72$0.70$0.75Pending
Estimate$0.82$0.72$0.70$0.70$0.75
Surprise−6.1%+0.6%−0.1%+7.1%

RevenueReportedEstimate

Dec '24Mar '25Jun '25Oct '25Jan '26Jun '26Jul '26Oct '26
Reported$34.0M$33.2M$33.1M$22.8M$23.5M$30.8M$24.2MPending
Estimate$23.4M$23.3M$24.0M$23.4M$24.6M
Surprise−2.4%+0.8%+28.5%+3.3%
Estimate$0.75
ReportedDue Oct 26, 2026
Estimate$24.6M
ReportedDue Oct 26, 2026
View details

Debt to equity58.10%
Current ratio157.30%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$33.0M$34.0M$33.2M$33.1M$32.6M$32.6M$30.8M$32.8M
Net income$9.2M$5.6M$8.7M$8.9M$9.5M$9.9M$9.5M$10.2M
Net margin27.9%16.5%26.2%26.9%29.0%30.4%30.9%31.1%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income$11.0M$8.8M$11.2M$11.6M$12.3M$12.7M$11.9M$12.9M
YoY growth+2.9%+17.7%+11.6%+43.6%+5.9%+11.6%

Balance sheet, Jun 30, 2026Cash & short-term investments $161.3M · Total debt $175.8M · Total assets $2.38B · Shareholders' equity $302.6M

Revenue
$32.8M
Operating income
$12.9M
Net income
$10.2M
View details

Next ex-date
Sep 15, 2026
in 12 days
Annual dividend
$0.10
per share
Dividend yield
0.29%
Schedule
Annual
one payment a year

Raise to $0.12 from $0.10, declared for Sep 2026. To collect a payout, hold shares through the close before the ex-date.

History

Ex-dateRecordPaidAmountNote
Sep 15, 2026Sep 15Sep 30$0.12upcoming · raised from $0.10
Jun 15, 2026Jun 15Jun 30$0.10
Mar 13, 2026Mar 15Mar 31$0.10
View details

Institutions81 holders · as of Mar 31, 202652.65%7.21M shares
Otherremainder47.35%6.49M shares

13.70M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesEvidence
AllianceBernstein L.P.Institution
7.51%1.03M13Fas of Mar 31, 2026
T. Rowe Price Investment Management, Inc.Institution
6.26%857,53513Fas of Mar 31, 2026
BlackRock, Inc.Institution
3.54%485,69613Fas of Mar 31, 2026
Vanguard Capital Management LLCInstitution
2.40%329,44713Fas of Mar 31, 2026
Mendon Capital Advisors CorpInstitution
2.30%315,63313Fas of Mar 31, 2026
See all 25

13F — a manager's quarterly holdings

Insider tradesForm 4

Nothing filed in the last 12 months.

View details

ComparePre-market

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Median12.611.72.8+12.7%