CBK - NASDAQ

Commercial Bancgroup, Inc. Common Stock

CBK·NASDAQ

$28.70

-3.3%

Financial ServicesBanks

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 Kentucky, North Carolina, and Tennessee. It accepts various deposit products, including demand deposits accounts, interest-bearing products, savings accounts, and certificates of deposit products. The company also offers real estate, commercial, and consumer loans. The company was formerly known as Harrogate Corporation and changed its name to Commercial Bancgroup, Inc. in April 1989. The company was incorporated in 1975 and is based in Harrogate, Tennessee.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$393.29M

EPS2.9300

P/E Ratio9.80

Earnings Date07/27/2026

2.29B

Assets

3Y+4.0%

5Y+4.0%

10Y+4.0%

2.01B

Total Liabilities

-4%

3Y-

5Y-

10Y-

285.09M

Total Equity

29%

3Y+46.0%

5Y+46.0%

10Y+46.0%

Commercial Bancgroup, Inc. Common Stock Funding & Solvency Profile

CBK · NASDAQ

Current Assets

Cash & Cash Equivalents0.00

Net Receivables0.00

Inventory0.00

Other Current Assets144.57M

Total Current Assets145 M

Non-Current Assets

Property, Plant & Equipment49.77M

Goodwill & Intangible Assets12.77M

Long-Term Investments0.00

Other Non-Current Assets-63.96M

Total Non-Current Assets-14194000

Total Assets

2.29B

Financial Health Analysis

Current Ratio

0.14x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.04x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-860628000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

6% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Commercial Bancgroup, Inc. Common Stock Balance Sheet

CBK • NASDAQ

Commercial Bancgroup, Inc. Common Stock Balance Sheet	Dec 2025	Dec 2024	Dec 2023
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	0.0	134.5M	145.1M
Short-Term Investments	0.0	99.8M	52M
Cash & Short-Term Investments	0.0	234.3M	197.1M
Net Receivables	0.0	7.2M	8.2M
Accounts Receivables	0.0	7.2M	8.2M
Other Current Assets	144.6M	0.0	0.0
Total Current Assets	144.6M	241.5M	205.4M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	49.8M	50.3M	52.3M
Goodwill	0.0	8.5M	8.5M
Intangible Assets	12.8M	5.4M	7.6M
Goodwill & Intangible Assets	12.8M	13.9M	16.1M
Long-Term Investments	0.0	1.9B	1.8B
Tax Assets	1.4M	1.1M	154.3K
Other Non-Current Assets	-64M	129.3M	94.2M
Total Non-Current Assets	0.0	2.1B	2B
Other Assets	2.1B	0.0	0.0
Total Assets	2.3B	2.3B	2.2B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	4.2M	3.6M
Accounts Payable	0.0	4.2M	3.6M
Short Term Debt	88.3M	3.4M	6M
Other Current Liabilities	916.9M	1.9B	1.8B
Total Current Liabilities	1B	1.9B	1.8B
NON-CURRENT LIABILITIES
Long Term Debt	78.6M	105.8M	143.2M
Other Non-Current Liabilities	-78.6M	29M	28M
Total Non-Current Liabilities	0.0	134.7M	171.2M
Other Liabilities	1B	0.0	0.0
Total Liabilities	2B	2.1B	2B
SHAREHOLDERS' EQUITY
Common Stock	137K	121.1K	122.1K
Additional Paid-In Capital	38.4M	9.4M	9.1M
Retained Earnings	247.3M	212.3M	182.9M
Accumulated Other Comprehensive Income/Loss	-675K	-1.6M	-1.7M
Total Stockholders' Equity	285.1M	220.3M	190.4M
Total Equity	285.1M	220.3M	195.8M
Minority Interest	0.0	0.0	5.4M
SUMMARY
Total Liabilities & Equity	2.3B	2.3B	2.2B
Total Investments	0.0	2B	1.9B
Total Debt	166.8M	109.2M	149.3M
Net Debt	166.8M	-25.3M	4.2M
Shares Outstanding	13,697,986	13,697,986	13,697,986

SEC Filings

CBK - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 13, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 27, 2026	April 27, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 31, 2026	April 27, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 24, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 26, 2026	January 26, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 14, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 28, 2025	October 27, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 03, 2025	October 03, 2025	2025	View Filing
S-1/A S-1/A (Amended) N/A	September 22, 2025	September 22, 2025		View Filing

Showing 1 to 10 of 11 filings

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