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Financials · CBK

Commercial Bancgroup Inc. (CBK) financials

For the twelve months ended Jun 30, 2026, Commercial Bancgroup Inc. reported $93.53M of revenue and $39.36M of net income.

Revenue, TTM
$93.53M
Revenue growth, YoY
+5.4%
Net income, TTM
$39.36M
Net income growth, YoY
+21.4%
Net margin
42.1%
Free cash flow, TTM
$38.58M
EPS, diluted, TTM
$2.94
Cash
$170.11M
Total debt
$175.82M
P/E
11.37
P/S
4.78
Market cap
$447.5M
Annual revenue$90.36M
FY2024FY2025
Annual net income$37.20M
FY2024FY2025
Annual free cash flow$35.23M
FY2024FY2025

CBK revenue and earnings growth

CBK revenueQ2 2026$24.17M

Quarter YoY
+8.4%
QoQ
+4.8%
FY YoY
+2.1%

CBK revenue was $24.17M in fiscal Q2 2026 (ended Jun 30, 2026), up 8.4% from a year earlier and up 4.8% from the prior quarter. For the full fiscal 2025 it was $90.36M, up 2.1% from fiscal 2024.

CBK net incomeQ2 2026$10.22M

Quarter YoY
+14.8%
QoQ
+7.1%
FY YoY
+18.4%

CBK net income was $10.22M in fiscal Q2 2026 (ended Jun 30, 2026), up 14.8% from a year earlier and up 7.1% from the prior quarter. For the full fiscal 2025 it was $37.20M, up 18.4% from fiscal 2024.

CBK EPSQ2 2026$0.74

Quarter YoY
+1.4%
QoQ
+5.7%
FY YoY
+16.1%

CBK diluted EPS was $0.74 in fiscal Q2 2026 (ended Jun 30, 2026), up 1.4% from a year earlier and up 5.7% from the prior quarter. For the full fiscal 2025 it was $2.95, up 16.1% from fiscal 2024.

CBK free cash flowQ2 2026$8.79M

Quarter YoY
+28.7%
QoQ
-33.0%
FY YoY
-1.1%

CBK free cash flow was $8.79M in fiscal Q2 2026 (ended Jun 30, 2026), up 28.7% from a year earlier and down 33.0% from the prior quarter. For the full fiscal 2025 it was $35.23M, down 1.1% from fiscal 2024.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
Revenue$90.36M$88.46M
Pre-tax income$47.42M$40.57M
Income tax$10.22M$8.89M
Net income$37.20M$31.41M
EPS, basic$2.95$2.58
EPS, diluted$2.95$2.54
Diluted shares12.6M12.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
Cash and equivalents$144.32M$178.20M
Goodwill$8.51M$8.51M
Total assets$2.29B$2.30B
Short-term debt$88.25M$3.39M
Long-term debt$78.59M$105.77M
Total debt$166.84M$109.16M
Total liabilities$2.01B$2.08B
Shareholders' equity$285.34M$220.26M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
Operating cash flow$37.09M$38.68M
Capital expenditures$1.87M$3.04M
Free cash flow$35.23M$35.63M
Investing cash flow-$32.66M-$84.93M
Financing cash flow-$38.31M$68.51M
Dividends paid$2.00M$2.00M
Share repurchases$980.8K$1.83M
Stock-based compensation$124.4K$2.14M
Depreciation and amortization$3.71M$4.11M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
Revenue growth, YoY2.1%-
Net income growth, YoY18.4%-
EPS growth, YoY16.1%-
Net margin41.2%35.5%
Free cash flow margin39.0%40.3%
Return on equity13.0%14.3%
Return on assets1.6%1.4%
Debt to equity0.580.50

Source: XBRL data Commercial Bancgroup Inc. files with the SEC, latest filing dated Aug 12, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CBK peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CBK$93.53M+5.4%$39.36M42.1%$447.5M
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

CBK FAQ

8 questions
  • What is CBK revenue?
    Commercial Bancgroup Inc. (CBK) reported $93.53M of revenue for the twelve months ended Jun 30, 2026. That is up 5.4% from the year before. Revenue for fiscal 2025 was $90.36M.
  • Is CBK profitable?
    Yes. Commercial Bancgroup Inc. earned $39.36M in net income for the twelve months ended Jun 30, 2026, a net margin of 42.1%.
  • How much cash and debt does CBK have?
    Commercial Bancgroup Inc. reported $170.11M in cash and cash equivalents and $175.82M of debt on its most recent balance sheet in SEC filings.
  • How fast is CBK revenue growing?
    Commercial Bancgroup Inc.'s revenue changed +2.1% in fiscal 2025, to $90.36M.
  • What is CBK free cash flow?
    Commercial Bancgroup Inc. generated $38.58M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $40.89M less capital expenditures.
  • What is CBK earnings per share?
    Diluted earnings per share were $2.94 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CBK last report financial results?
    The latest statements here come from Commercial Bancgroup Inc.'s 10-Q filed on Aug 12, 2026, covering the period ended Jun 30, 2026.
  • Where does this CBK financial data come from?
    Quantisnow builds these statements from the structured XBRL data Commercial Bancgroup Inc. files with the SEC. It is provided for information only and is not investment advice.