Commercial Bancgroup, Inc. operates as a bank holding company. The company is headquartered in Harrogate Tennessee, Tennessee and currently employs 281 full-time employees. The company went IPO on 2025-10-02. The Bank is a full-service community banking institution that offers traditional consumer and commercial products and services to serve businesses and individuals in select markets in Kentucky, North Carolina, and Tennessee. The company has four loan portfolio segments: real estate (which is divided into four classes), commercial, consumer, and other. Classes within the real estate portfolio segment include commercial real estate (CRE), construction and land development (C&D), residential, and others. Its loan clients primarily consist of small to medium-sized businesses, the owners and operators of these businesses, as well as other professionals, entrepreneurs and high net worth individuals. Its primary service areas in Tennessee are the Nashville MSA; the Knoxville MSA; the Tri-Cities MSA, and Claiborne County, Cocke County, Union County, and Hamblen County.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
03/31/2026
12/31/2025
09/30/2025
06/30/2025
03/31/2025
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
48
11
12
12
11
11
Income Tax Expense
10
2
2
2
2
2
Net Income
38
9
10
9
8
8
Net Income Growth
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13%
-68%
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Shares Outstanding (Diluted)
13.69
13.69
13.8
12.23
13.69
13.69
Shares Change (YoY)
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0%
1%
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EPS (Diluted)
2.77
0.69
0.73
0.77
0.64
0.63
EPS Growth
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10%
-68%
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Free Cash Flow
36
13
8
7
6
11
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
4
0
2
0
0
0
EBIT
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EBIT Margin
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Effective Tax Rate
20.83%
18.18%
16.66%
16.66%
18.18%
18.18%
Follow-Up Questions
What are Commercial BancGroup Inc's key financial statements?
According to the latest financial statement (Form-10K), Commercial BancGroup Inc has a total asset of $0, Net loss of $0
What are the key financial ratios for CBK?
Commercial BancGroup Inc's Current ratio is 0, has a Net margin is 0, sales per share of $0.
How is Commercial BancGroup Inc's revenue broken down by segment or geography?
Commercial BancGroup Inc largest revenue segment is Banking and Related Activities, at a revenue of 90,360,703 in the most earnings release.For geography, United States is the primary market for Commercial BancGroup Inc, at a revenue of 90,360,703.
Is Commercial BancGroup Inc profitable?
no, according to the latest financial statements, Commercial BancGroup Inc has a net loss of $0
Does Commercial BancGroup Inc have any liabilities?
no, Commercial BancGroup Inc has liability of 0
How many outstanding shares for Commercial BancGroup Inc?
Commercial BancGroup Inc has a total outstanding shares of 0