Commercial Bancgroup, Inc. Common Stock

Commercial Bancgroup, Inc. Common Stock

CBK · NASDAQ · Financial Services / Banks - Regional

32.74USD-0.07 (-0.21%)

Price History

Full chart

Market Stats

Previous Close32.81
Open32.95
Day Range32.60 – 33.13
52-Week Range22.98 – 35.65
Volume20.53K
Market Cap435.84M
P/E (TTM)10.78
Forward P/E0.00
EPS2.95
Dividend Yield1.02%
50-Day Avg33.98
200-Day Avg29.11

About

Commercial Bancgroup, Inc. operates as the bank holding company for Commercial Bank that provides a range of banking and financial services to individual and corporate customers in the United States. The company accepts various deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit products. It also offers real estate, commercial, and consumer loans, such as installment loans, secured and unsecured personal lines of credit, and overdraft protection lines. In addition, the company provides treasury management services, remote deposit capture, internet and commercial banking, automated teller machines, and other banking services. The company was formerly known as Harrogate Corporation and changed its name to Commercial Bancgroup, Inc. in April 1989. Commercial Bancgroup, Inc. was incorporated in 1975 and is based in Harrogate, Tennessee.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Terry L. Lee
  • Employees293
  • Headquarters6710 Cumberland Gap Parkway, Harrogate, TN, United States, 37752, USA
  • Websitehttps://www.cbtn.com

Leadership

  • Mr. John Adam RobertsonExecutive Chairperson · b. 1975
  • Mr. Terry L. LeePresident, CEO & Director · b. 1955
  • Mr. Philip J. Metheny CPA, CISA, CITP, M.B.A.Senior EVP & CFO · b. 1958
  • Mr. Richard C. Sprinkle Jr., M.B.A.Executive VP & Chief Credit Officer of Commercial Bank · b. 1967
  • Mr. Justin PayneExecutive VP & Chief Information Officer
  • Mr. Roger A. MobleyExecutive VP & Assistant CFO · b. 1971
  • Ms. Linda HurstCorporate Secretary

Financials

Income Statement

Currency: USD2023-12-312024-12-312025-12-31
Total Revenue112.20M133.33M131.53M
Growth (%)-+18.83%-1.35%
Cost of Revenue33.81M47.46M41.32M
Gross Profit78.39M85.87M90.21M
Gross Margin69.87%64.41%68.58%
Operating Expense38.70M45.30M42.79M
Operating Income39.69M40.57M47.42M
Operating Margin35.38%30.43%36.05%
EBITDA43.23M45.17M49.56M
EBITDA Margin38.53%33.87%37.67%
Net Income30.69M31.41M37.20M
Net Income Margin27.35%23.56%28.28%
Interest Expense30.54M45.63M41.17M
Interest Expense % of Total Revenue27.22%34.22%31.30%

Balance Sheet

Currency: USD2023-12-312024-12-312025-12-31
Total Assets2.20B2.30B2.29B
Total Liabilities2.00B2.08B2.01B
Total Equity190.38M220.26M285.09M
Cash145.08M134.46M118.99M
Total Debt149.26M109.16M166.84M
Net Debt4.18M-25.29M166.84M

Cash Flow

Currency: USD2023-12-312024-12-312025-12-31
Operating Cash Flow38.89M38.68M37.09M
Investing Cash Flow-127.96M-84.93M-32.66M
Financing Cash Flow183.10M68.51M-38.31M
Capital Expenditure3.17M3.04M1.87M
Free Cash Flow35.72M35.63M35.23M
Dividends Paid1.50M2.00M2.00M
FCF to OCF91.86%92.14%94.97%
Dividend Paid to FCF4.19%5.62%5.68%

Earnings

Report DateSep 3, 2025Oct 28, 2025Jan 26, 2026Apr 27, 2026Jul 27, 2026Oct 26, 2026
EPS Estimate0.000.820.670.680.700.74
EPS Actual0.740.770.720.730.75-
Surprise--6.10%7.46%7.35%7.14%-
Timing-Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap435.84M
Enterprise Value441.54M
Trailing P/E10.78
Forward P/E0.00
Price / Sales4.71
Price / Book1.47
EPS2.95
Book Value22.09
Revenue (TTM)92.55M
Gross Profit (TTM)92.55M
Profit Margin42.53%
Operating Margin55.10%
Return on Equity14.63%
Return on Assets1.70%
Shares Outstanding13.70M
Shares Float8.73M
Dividend Yield1.02%
Dividend Rate0.32
Payout Ratio10.77%

Ownership Breakdown

Institutions
55.16%
Insiders
54.47%
Retail / Other
0.00%

Top Institutional Holders

  • AllianceBernstein L.P.
    1.03M7.51%
  • T. Rowe Price Investment Management,Inc.
    857.53K6.26%
  • BlackRock Inc
    485.70K3.54%
  • Vanguard Capital Management, LLC
    329.45K2.40%
  • Petiole USA ltd
    291.01K2.12%
  • Curi Capital, LLC
    289.65K2.11%
  • JBF Capital, Inc.
    250.00K1.82%
  • Raffles Associates LP
    248.26K1.81%
  • Pacific Ridge Capital Partners, LLC
    223.76K1.63%
  • Mendon Capital Advisors Corp
    213.67K1.56%
  • Community Trust & Investment Co
    186.50K1.36%
  • Geode Capital Management, LLC
    168.89K1.23%
  • TCW Group Inc
    151.79K1.11%
  • Jacobs Asset Management, LLC
    135.00K0.99%
  • Siena Capital Management, LLC
    133.66K0.98%

Top Fund Holders

  • T. Rowe Price Small-Cap Value
    430.88K3.14%
  • Vanguard MStar Total Stk Mkt Idx Invest
    242.00K1.77%
  • iShares Russell 2000 ETF
    227.73K1.66%
  • RMB Mendon Financial Services A
    175.00K1.28%
  • Avantis US Small Cap Value ETF
    151.05K1.10%

Dividends

20263×
0.12Sep 15, 20260.10Jun 15, 20260.10Mar 13, 2026