Commercial Bancgroup Inc. Common Stock (CBK)

FairStock Score: 69/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the business. Commercial Bancgroup is a small regional bank holding company with 293 employees; it takes deposits and makes real estate, commercial, and consumer loans. Banking is commoditized, so any moat must come from local relationships, low-cost deposits, and disciplined underwriting. The filed record is short: only fiscal 2024 and fiscal 2025 are available, and the Lynch category is none because three years are needed. Still, the numbers are decent. In fiscal 2025, the year ended 2025-12-31, net income was $37.2M and diluted EPS $2.95, up from $31.4M and $2.54 in fiscal 2024. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $10.2M and diluted EPS $0.74, versus $8.9M and $0.73 in fiscal Q2 2025. Profit is rising, but EPS has grown more slowly than net income, which hints at dilution. FairStock calculates, using the 2026-10-13 close of $31.15, a P/E of 10.63, P/B of 1.41, PEG of 1.10, ROE of 14.63%, and Piotroski F-Score of 4/9. A 14.6% return on equity at 1.4 times book is not unreasonable, but it is not a bargain unless credit stays clean. The data omit CET1, net interest margin (NIM), nonperforming loans, charge-offs, reserve coverage, and combined ratio, so I cannot fully judge capital and underwriting. Dividend yield is only 1.03%. I would call the price fair, not compelling, until the bank builds a longer record and reveals its risk metrics.

In plain English: Commercial Bancgroup is a small U.S. bank holding company that takes deposits and makes loans to people and businesses. It looks solidly profitable, with filed net income rising from $31.4 million in fiscal 2024 to $37.2 million in fiscal 2025 and $10.2 million in the quarter ended June 30, 2026. At $31.15, the stock looks roughly fairly priced compared with its profits and net worth—not clearly cheap or expensive, and the company has only a short filed record.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer