NASDAQ · Financial Statements

Commercial Bancgroup, Inc. (CBK) Financial Statements

$32.22 NASDAQ: CBK Market Cap $441.45M

Commercial Bancgroup, Inc. most recently reported annual revenue of $132.0M, net profit of $37.0M. Revenue grew at an average annual rate of 8.6% over the last 2 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Commercial Bancgroup, Inc.: Revenue rose from $112.0M in 2023 to $132.0M in 2025, a change of +17.9% over 2 years; net profit was positive in all 3 reported years; operating margin moved from 35.4% to 36.0%, a shift of +0.7 percentage points; the most recent year shows net profit of $37.0M.

Income Statement — 3 Years (USD millions)

Metric202320242025
Revenue$112.0M$133.0M$132.0M
Operating Expenses$73.0M$93.0M$84.0M
Operating Profit$40.0M$41.0M$47.0M
Operating Margin35.4%30.4%36.0%
Other Income$0$0$0
Interest$31.0M$46.0M$41.0M
Depreciation$4.0M$5.0M$2.0M
Profit Before Tax$40.0M$41.0M$47.0M
Tax$21.4M$21.9M$21.6M
Net Profit$31.0M$31.0M$37.0M
EPS$2.51$2.54$2.92
Dividend Payout0.0%0.0%0.0%

Quarterly Results — Last 10 Quarters (USD millions)

MetricMar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$33.0M$34.0M$33.0M$34.0M$33.0M$33.0M$33.0M$33.0M$31.0M$33.0M
Operating Expenses$22.0M$24.0M$22.0M$25.0M$22.0M$21.0M$20.0M$20.0M$19.0M$20.0M
Operating Profit$11.0M$10.0M$11.0M$9.0M$11.0M$12.0M$12.0M$13.0M$12.0M$13.0M
Operating Margin33.4%29.1%33.4%26.0%33.7%35.0%37.7%38.9%38.5%39.3%
Interest$11.0M$11.0M$12.0M$12.0M$11.0M$11.0M$10.0M$9.0M$9.0M$9.0M
Profit Before Tax$11.0M$10.0M$11.0M$9.0M$11.0M$12.0M$12.0M$13.0M$12.0M$13.0M
Tax$19.0M$18.1M$16.4M$36.6M$22.4M$23.0M$23.0M$22.0M$19.6M$20.8M
Net Profit$9.0M$8.0M$9.0M$6.0M$9.0M$9.0M$9.0M$10.0M$10.0M$10.0M
EPS$0.70$0.66$0.70$0.44$0.66$0.71$0.77$0.72$0.70$0.74

Over the 3 years reported for Commercial Bancgroup, Inc., borrowings increased from $149.0M in 2023 to $167.0M in 2025, cash stood at $0 in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.14 times.

Balance Sheet — 3 Years (USD millions)

Metric202320242025
Total Assets$2.2B$2.3B$2.3B
Current Assets$205.0M$241.0M$145.0M
Cash$145.0M$134.0M$0
Inventory$0$0$0
Receivables$8.0M$7.0M$0
Fixed Assets$52.0M$50.0M$50.0M
Capital Work in Progress$0$0$0
Investments$1.9B$2.0B$0
Other Assets$9.0M$9.0M$0
Total Liabilities$2.0B$2.1B$2.0B
Current Liabilities$1.8B$1.9B$1.0B
Borrowings$149.0M$109.0M$167.0M
Other Liabilities$1.9B$2.0B$1.8B
Equity$0$0$0
Reserves$190.0M$220.0M$285.0M

For Commercial Bancgroup, Inc., operating cash flow was positive in 3 of 3 reported years; free cash flow in the latest year was $35.0M; free cash flow was positive in 3 of 3 years; financing activities used $124.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 3 Years (USD millions)

Metric202320242025
Operating Cash Flow$39.0M$39.0M$37.0M
Investing Cash Flow$-131.0M$-88.0M$-35.0M
Financing Cash Flow$174.0M$111.0M$-124.0M
Net Cash Flow$94.0M$22.0M$-34.0M
Free Cash Flow$36.0M$36.0M$35.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.63
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y—
Return 3Y—
Return 5Y—

Commercial Bancgroup, Inc. (CBK) financials — frequently asked questions

What is Commercial Bancgroup, Inc.'s annual revenue?

Commercial Bancgroup, Inc. (CBK) reported annual revenue of $132.0M in its most recent fiscal year.

What is Commercial Bancgroup, Inc.'s net profit?

Commercial Bancgroup, Inc. (CBK) reported net profit of $37.0M in its most recent fiscal year.

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