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Equiscale Β· Syntellia LLC
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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $90M | - | $37M | $35M | 13.0% | 3.0% | 18.4% |
| 2024 | $88M | - | $31M | $36M | 14.3% | 7.4% | 2.3% |
| 2023 | $82M | - | $31M | $36M | 16.1% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Revenue | 81.67 | 87.70 | 90.32 |
| Operating Revenue | 81.67 | 87.70 | 90.32 |
| Selling General And Administration | 21.78 | 26 | 23.74 |
| Interest Income | 102.64 | 123.21 | 120.98 |
| Interest Expense | 30.54 | 45.63 | 41.17 |
| Net Interest Income | 72.10 | 77.58 | 79.81 |
| Pretax Income | 39.69 | 40.57 | 47.42 |
| Tax Provision | 8.48 | 8.89 | 10.22 |
| Tax Rate For Calcs | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | 0.04 | 0.20 | 0.04 |
| Net Income Continuous Operations | 31.21 | 31.69 | 37.20 |
| Net Income From Continuing And Discontinued Operation | 30.69 | 31.41 | 37.20 |
| Net Income From Continuing Operation Net Minority Interest | 30.69 | 31.41 | 37.20 |
| Net Income | 30.69 | 31.41 | 37.20 |
| Net Income Common Stockholders | 30.69 | 31.41 | 37.20 |
| Net Income Including Noncontrolling Interests | 31.21 | 31.69 | 37.20 |
| Normalized Income | 30.55 | 30.70 | 37.04 |
| Diluted NI Availto Com Stockholders | 30.69 | 31.41 | 37.20 |
| Basic Average Shares | 12.17 | 12.17 | 12.61 |
| Diluted Average Shares | 12.37 | 12.37 | 13.84 |
| Reconciled Depreciation | 3.54 | 4.11 | 3.71 |
| Total Unusual Items | 0.19 | 0.91 | 0.20 |
| Total Unusual Items Excluding Goodwill | 0.19 | 0.91 | 0.20 |
| Minority Interests | -0.52 | -0.28 | 0 |
| Special Income Charges | 0.05 | 0.76 | 0.04 |
| Other Special Charges | -0.05 | -0.76 | -0.04 |
| Gain On Sale Of Security | - | - | 0 |
| Depreciation Amortization Depletion Income Statement | 3.04 | 4.11 | 3.71 |
| Depreciation And Amortization In Income Statement | 3.04 | 4.11 | 3.71 |
| General And Administrative Expense | 21.78 | 26 | 23.74 |
| Salaries And Wages | 20.75 | 24.87 | 22.76 |
| Insurance And Claims | 1.04 | 1.13 | 0.97 |
| Occupancy And Equipment | 3.36 | 3.79 | 3.26 |
| Professional Expense And Contract Services Expense | 1.30 | 1.02 | 0.85 |
| Other Non Interest Expense | 9.28 | 11.15 | 10.93 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Commercial Bancgroup, Inc.this co. | CBK | $400M | 10.75β discount | 1.40 | 13.0% | - |
| Bank of Marin Bancorp | BMRC | $417M | -11.70 | 1.06 | -9.0% | - |
| West Bancorporation, Inc. | WTBA | $407M | 12.50 | 1.53 | 12.2% | - |
| RBB Bancorp | RBB | $406M | 12.71 | 0.78 | 6.1% | - |
| Investar Holding Corporation | ISTR |
| $395M |
| 17.24 |
| 1.46 |
| 8.5% |
| - |
| Pioneer Bancorp, Inc. | PBFS | $394M | 19.42 | 1.22 | 6.3% | - |
| First Bank | FRBA | $392M | 8.97 | 0.88 | 9.8% | - |
| Farmers & Merchants Bancorp, Inc. | FMAO | $384M | 11.66 | 1.03 | 8.9% | - |
| NewtekOne, Inc. | NEWT | $382M | 6.32 | 1.09 | 17.3% | - |
| Peer Median | - | 12.08 | 1.08 | 8.7% | - | |
Historically, Jun has averaged the highest return (+11.8%); Feb the lowest (-1.3%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +7.2%Positive MonthJan 2026: +7.25% | -1.3%Neutral MonthFeb 2026: -1.25% | +0.0%Neutral MonthMar 2026: +0.04% | +11.3%Positive MonthApr 2026: +11.30% | -0.2%Neutral MonthMay 2026: -0.24% | +11.8%Positive MonthJun 2026: +11.77% | +6.0%Positive MonthJul 2026: +6.04% | -1.2%*Neutral MonthAug 2026: -1.23% | β | β | β | β |
| 2025 | β | β | β | β | β | β | β | β | β | β | +1.1%Neutral MonthNov 2025: +1.15% | -0.7%Neutral MonthDec 2025: -0.69% |
| AvgΒ±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position β all Januaries together, all Februaries together, and so on β to show whether a given month has leaned positive or negative historically. βSimpleβ counts each month as +1 or β1. βWeightedβ gives larger moves more influence: +2 above +10%, β2 below β10%. With only 2 years of history for this asset, each monthβs score reflects a small number of observations β read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the assetβs full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each dayβs closing price by the price on January 1st of that year (or the assetβs first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in βAverage fromβ, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
