Stocks · Financial Services · Banks - Regional
Commercial Bancgroup, Inc. Common Stock CBK
$31.88 +1.30% Close, Oct 2, 2026 · NASDAQ · Market cap $436.8M
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 53 trading days, with the 50-day average above the 200-day.
- Operating margin widened to 38.6% from 32.0% a year earlier.
- Diluted EPS over the last four quarters was $2.93, up 16.7% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 20%
- EPS growth (TTM, YoY)Bottom 47%
- FCF growth (TTM, YoY)Bottom 32%
- Revenue growth accelerationTop 44%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 46%
- Gross marginTop 34%
- Operating marginTop 16%
- Cash conversion (OCF / net income)Bottom 41%
- Accruals (lower is better)Bottom 39%
- Net debt / EBITDA (lower is better)Top 34%
- Interest coverTop 39%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 22%
- Free-cash-flow yieldTop 44%
- EBITDA / enterprise valueTop 21%
- Sales / enterprise valueBottom 44%
Strength and persistence of the price trend, including versus the S&P 500.
- 6-month returnTop 21%
- Distance from 52-week highBottom 49%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 30%
- Consecutive EPS beatsBottom 43%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 48%
- Maximum drawdown, 3 yearsTop 19%
- Beta vs S&P 500 (lower is better)Top 33%
- Net debt / EBITDA (lower is better)Top 34%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -3.6% | -3.3% | ↑ |
| EPS growth (YoY) | 18.1% | 16.7% | ↓ |
| Gross margin | 65.7% | 71.1% | ↑ |
| Operating margin | 32.0% | 38.6% | ↑ |
| FCF margin | 29.0% | 29.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -3.3% | -3.6% | ↑ | Bottom 20% |
| EPS growth (TTM, YoY) | 16.7% | 18.1% | ↓ | Bottom 47% |
| Gross margin | 71.1% | 65.7% | ↑ | Top 34% |
| Operating margin | 38.6% | 32.0% | ↑ | Top 16% |
| Net margin | 30.4% | 24.3% | ↑ | — |
| Free-cash-flow margin | 29.9% | 29.0% | ↑ | — |
| Return on invested capital | 1.6% | — | Top 46% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.05×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -96.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.27×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.63%
- Net buyback yield (TTM)
- -6.84%
- Shareholder yield
- -6.21%
- Share count change, 1 year
- +4.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 12, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 2 of 4
- Average EPS surprise, last 4
- +0.4%
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 3 of 4
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | +7.1% | +1.3% | +3.4% | +2.1% | — |
| Jun 3, 2026 | -0.1% | -3.3% | +4.0% | +11.4% | +14.0% |
| Jan 26, 2026 | +0.6% | +3.2% | +7.1% | +7.2% | +18.7% |
| Oct 27, 2025 | -6.1% | -0.6% | -3.6% | -4.0% | +0.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.75 | $0.70 | +7.1% | $24.2M |
| Jun 3, 2026 | $0.70 | $0.70 | -0.1% | $30.8M |
| Jan 26, 2026 | $0.72 | $0.72 | +0.6% | $23.5M |
| Oct 27, 2025 | $0.77 | $0.82 | -6.1% | $22.8M |
| Sep 3, 2025 | $0.74 | — | — | $22.3M |
| Mar 31, 2025 | $0.66 | — | — | $33.2M |
| Dec 31, 2024 | $0.44 | — | — | $34.0M |
| Sep 30, 2024 | $0.70 | — | — | $33.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.9× | — | — | Top 22% |
| P/E (forward) | 10.7× | — | — | — |
| EV / EBITDA | 8.5× | — | — | Top 21% |
| EV / Sales | 3.50× | — | — | Bottom 44% |
| Free-cash-flow yield | 8.83% | — | — | Top 44% |
| Earnings yield | 9.19% | — | — | Top 22% |
P/E over the past five years
Range 8.8× – 12.1× since Dec 31, 2024. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 53
- 50-day average slope (20 days)
- -0.4%
- 200-day average slope (20 days)
- +2.9%
- Distance from 50-day average
- -5.5%
- Distance from 200-day average
- +8.6%
- RSI (14)
- 39.1
- Relative volume
- 0.54×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.3%
- Beta vs S&P 500 (2 years, weekly)
- 0.49
- Correlation with S&P 500
- 0.28
- Current drawdown from 1-year high
- -10.0%
- Maximum drawdown, 3 years
- -11.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Aug 5, 2026 | Sep 30, 2026 | -11.5% | 39 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $436.8M
- P/E (TTM)
- 10.9
- EPS, diluted (TTM)
- $2.93
- Revenue (TTM)
- $128.9M
- Dividend yield
- 1.00%
- 52-week range
- $23.24 – $35.78
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Revenue | $112.2M | $133.3M | $131.5M |
| Gross profit | $78.4M | $85.9M | $90.2M |
| Operating income | $39.7M | $40.6M | $47.4M |
| Net income | $30.7M | $31.4M | $37.2M |
| EPS (diluted) | $2.51 | $2.54 | $2.92 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| 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 |
| EPS (diluted) | $0.70 | $0.44 | $0.66 | $0.71 | $0.77 | $0.72 | $0.70 | $0.74 |
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Operating cash flow | $38.9M | $38.7M | $37.1M |
| Capital expenditure | -$3.2M | -$3.0M | -$1.9M |
| Free cash flow | $35.7M | $35.6M | $35.2M |
| Dividends paid | -$1.5M | -$2.0M | -$2.0M |
| Net share buybacks | $1.8M | -$1.8M | $28.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $161.3M
- Total assets
- $2.38B
- Total liabilities
- $2.07B
- Total debt
- $175.8M
- Net debt
- $14.5M
- Shareholders’ equity
- $302.6M
As of Jun 30, 2026 (filed Aug 12, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.12 | Sep 30, 2026 |
| Jun 15, 2026 | $0.10 | Jun 30, 2026 |
| Mar 13, 2026 | $0.10 | Mar 31, 2026 |
Short interest
- Shares sold short
- 372,293
- Days to cover
- 8.48
- Change vs previous report
- +33.9%
FINRA short interest, settlement date Sep 15, 2026.