Commercial Bancgroup, Inc. Common Stock (CBK) Fair Value & Analysis

Financial Services · US · Market cap $430M · ISIN US20112C1062

What is Commercial Bancgroup, Inc. Common Stock really worth?

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

What matters now

• The price sits above even our optimistic bull case ($33.07). The favourable scenario is already priced in.
• Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (11 months)

White line = price, green steps = our fair value per fiscal year. As of Aug 13, 2026.

How to read this chart

11‑month range $23.43 – $35.44 · fair‑value band $19.85 – $33.07 · the $34.13 price screens above the $26.46 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Aug 13, 2026.

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Analysis

Commercial Bancgroup, Inc. Common Stock (CBK) currently trades at $34.13, while our model-based Fair Value estimate is $26.46, implying the stock looks roughly 29.0% overvalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of $29.13 per share, and 1 of the 4 models we run sit above the $34.13 price. Bear case: the Asset-Based group reads lowest at $13.94, and 3 of the 4 models stay below the price. Evidence for this calculation is medium.

Over the trailing twelve months, Commercial Bancgroup, Inc. Common Stock generated revenue of $91.1M at a net margin of 41.8%. Revenue grew 5.3% year over year. It earns a return on equity of 14.6%. Net debt stands at $167M. Fundamentals as of Aug 13, 2026

Our scenario range runs from $19.85 (bear case) to $33.07 (bull case); at $34.13, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 48% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −22%, CBK screens richer than that median.

Fair Value models

This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $1.81 per share, which is 6.9 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.

Widest divergence: Multiples ($29.13) versus Asset-Based ($13.94). Highest evidence: Residual Income (67).

Key figures & financial health

Quality Score breakdown

About the company

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 the United States.

Full company description

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 the United States. The company accepts various deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit products. It also offers real estate, commercial, and consumer loans, such as installment loans, secured and unsecured personal lines of credit, and overdraft protection lines. In addition, the company provides treasury management services, remote deposit capture, internet and commercial banking, automated teller machines, and other banking services. The company was formerly known as Harrogate Corporation and changed its name to Commercial Bancgroup, Inc. in April 1989. Commercial Bancgroup, Inc. was incorporated in 1975 and is based in Harrogate, Tennessee.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2023 – FY2025 · reported fiscal years

Commercial Bancgroup, Inc. Common Stock reported revenue of $132M in FY2025 versus $112M in FY2023, a compound +8.3%/yr. Reported net income was $37.2M in FY2025, compounding +10.1%/yr from FY2023.

CBK screens 29% overvalued. Compare with DBS Group →

Peer Group

Banks - Regional · 1071 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

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